Terms of Service

By accessing or using bindlyhealth.com, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use the site.

Bindly Health is a licensed insurance agency. Our agency licensing information appears in the footer of every page and on the Licensing page. We act as your agent to find, compare, and enroll in health-coverage plans, including but not limited to: ACA Marketplace plans, off-exchange individual coverage, short-term medical, dental and vision, ancillary products, group health, and Medicare products where licensed.

We are not an insurance company, a health plan, or a healthcare provider. Coverage is provided by the carrier whose plan you select. The terms of your coverage are set by the carrier's policy documents, not by Bindly Health.

To use the site or work with us, you must be at least 18 years old, a U.S. resident, and located in a state where Bindly Health is licensed (see footer). For group health, the person signing on behalf of an employer must have authority to bind the employer to these Terms.

If you create an account to access the customer portal at bindlyhealth.com/dashboard, you're responsible for keeping your sign-in credentials secure and for activity that happens under your account. Notify us immediately if you suspect unauthorized access by reaching us through the Contact page.

By providing your email, phone number, and the relevant consents on our forms, you agree that we may contact you about your quote, policy, and the services you've requested. SMS messaging is opt-in and you may reply STOP to unsubscribe at any time. Service-related communications (e.g., premium due reminders, policy renewal notices) are required to operate your policy and cannot be turned off.

Marketing-only communications can be opted out of at any time via the email-preferences page in your account or via the unsubscribe link in any marketing email we send.

Bindly Health is compensated by insurance carriers when a customer enrolls in a plan through us. The amount of compensation does not affect the premium you pay; the premium is set by the carrier and filed with state insurance regulators. We disclose any additional compensation arrangements (e.g., contingent commissions, override commissions) on request — reach us through the Contact page.

Our agents and our chat assistants help you understand health-insurance products and choose among them. We do not provide medical advice. Coverage questions are answered based on the plan documents the carrier publishes; for clinical questions, please consult your physician. We also do not provide legal, tax, or financial advice — for those, please consult a qualified professional.

The site uses third-party services (e.g., the HealthSherpa One quoting platform, Cloudflare, Clerk, Paubox). Your use of those services is subject to their respective terms. We do our best to choose providers that meet our privacy and security standards (see Privacy Policy).

You agree to provide accurate, complete information when requesting a quote or enrolling in coverage. Misrepresentations on an application can cause a carrier to deny a claim or rescind coverage, and may have legal consequences. If your situation changes (income, household, address, eligibility), promptly notify us so we can update your coverage as needed.

The site is provided "as is" and "as available." To the maximum extent permitted by law, Bindly Health disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted or error-free.

Plan information displayed on the site is provided by carriers and quoting partners and may change without notice. The carrier's policy documents are the binding source of truth for coverage terms.

To the maximum extent permitted by law, Bindly Health and its officers, employees, and agents are not liable for any indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of the site or our services. Our total aggregate liability to you for any claim arising out of the site or our services is limited to one hundred U.S. dollars ($100).

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including liability for gross negligence, intentional misconduct, or fraud.

You agree to indemnify and hold Bindly Health harmless from claims arising from your violation of these Terms or your misuse of the site, except to the extent caused by our own negligence or misconduct.

These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-laws principles. Disputes relating to insurance coverage are subject to the laws of the state where the policy is issued.

We'll always try to resolve a problem informally first. Please reach us through the Contact page before pursuing formal legal action — most disputes can be sorted out in a single conversation.

We may update these Terms from time to time. When we make material changes we'll notify you by email (if we have one on file) and update the "Last updated" date above. Your continued use of the site after a change means you accept the new Terms.

You can stop using bindlyhealth.com at any time. We may suspend or terminate access to the site for abuse, suspected fraud, or violation of these Terms. Termination of your account does not affect your existing insurance coverage — your relationship with the carrier continues per the carrier's policy.

General inquiries: see the Contact page.

Legal notices may be sent to compliance@bindlyhealth.com.

Related: Privacy Policy · Accessibility · Licensing