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Terms & Conditions

Effective Date: August 6, 2026

Welcome to HealthNerd.net ("HealthNerd," "we," "our," or "us"). These Terms & Conditions ("Terms") govern your use of our website and services.

By accessing or using HealthNerd.net, you agree to be bound by these Terms. If you do not agree, please do not use our website.

1. Our Services

HealthNerd provides educational information, health insurance comparisons, and quote request services. We may help connect users with licensed insurance professionals or insurance carriers.

HealthNerd does not guarantee eligibility, approval, enrollment, pricing, coverage, or savings.

Insurance availability varies based on:

  • State

  • Age

  • Household information

  • Income

  • Health history

  • Carrier underwriting guidelines

  • Other eligibility requirements

2. No Professional Advice

Information provided on HealthNerd is for general informational purposes only.

Nothing on this website should be considered legal, tax, financial, or medical advice.

Insurance recommendations should be made after reviewing your individual circumstances with a licensed insurance professional.

3. Quote Requests

Submitting information through HealthNerd does not create an insurance policy.

Submitting a quote request does not guarantee:

  • Coverage

  • Acceptance

  • Premium pricing

  • Specific insurance plans

  • Eligibility

Quotes are estimates until confirmed by the applicable insurance carrier.

4. User Responsibilities

By using HealthNerd, you agree that:

  • Information you provide is accurate and truthful.

  • You will not submit false or misleading information.

  • You are at least 18 years old or otherwise legally able to enter into agreements.

  • You will use the website only for lawful purposes.

5. Communications

By submitting your contact information, you authorize HealthNerd and, where applicable, licensed insurance professionals assisting with your request to contact you regarding your inquiry.

You may opt out of marketing communications at any time, but transactional or service-related communications may still be sent as necessary to respond to your request.

6. Intellectual Property

All content on HealthNerd, including but not limited to:

  • Text

  • Graphics

  • Logos

  • Images

  • Videos

  • Icons

  • Website design

  • Software

is owned by or licensed to HealthNerd and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, or create derivative works without prior written permission.

7. Prohibited Uses

You agree not to:

  • Attempt to gain unauthorized access to the website

  • Interfere with website operation

  • Upload malicious software

  • Use automated systems to scrape website content

  • Misrepresent your identity

  • Use the website for unlawful purposes

8. Third-Party Services

HealthNerd may link to third-party websites or services.

We do not control and are not responsible for the content, privacy practices, products, or services offered by third parties.

Accessing third-party websites is at your own risk.

9. Disclaimer of Warranties

HealthNerd is provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, HealthNerd disclaims all warranties, express or implied, including but not limited to:

  • Merchantability

  • Fitness for a particular purpose

  • Non-infringement

  • Availability

  • Accuracy

  • Reliability

We do not warrant that the website will be uninterrupted or error-free.

10. Limitation of Liability

To the fullest extent permitted by law, HealthNerd, its owners, employees, affiliates, contractors, licensors, and partners shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from:

  • Use of the website

  • Inability to use the website

  • Insurance decisions

  • Quote accuracy

  • Website interruptions

  • Third-party services

Our total liability, if any, shall not exceed the amount you paid to use the website, if applicable.

11. Indemnification

You agree to indemnify and hold harmless HealthNerd, its affiliates, employees, contractors, and partners from any claims, damages, liabilities, costs, or expenses arising from:

  • Your use of the website

  • Your violation of these Terms

  • Your violation of applicable law

  • Information you submit through the website

12. Privacy

Your use of HealthNerd is also governed by our Privacy Policy.

Please review our Privacy Policy to understand how we collect, use, and protect your information.

13. Changes to These Terms

HealthNerd may update these Terms at any time.

Changes become effective immediately upon posting.

Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.

14. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the United States and the state in which HealthNerd conducts its principal business, without regard to conflict of law principles.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms constitute the entire agreement between you and HealthNerd regarding your use of the website and supersede any prior agreements relating to the website.

17. Contact Us

If you have questions regarding these Terms & Conditions, please contact us.

HealthNerd

Website: https://healthnerd.net

Insurance Disclaimer

HealthNerd provides educational resources and insurance comparison services.

HealthNerd is not an insurance company and does not issue insurance policies.

Insurance products are offered through licensed insurance professionals and insurance carriers. Coverage, benefits, premiums, eligibility, and availability vary by state, carrier, age, health status, income, and other factors.

Any savings examples displayed on this website are illustrative and are not guaranteed. Individual results vary based on eligibility and plan selection.

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