Our goal at COBRAHealthChoices.com is to help save you money on your health insurance. If you're on COBRA coverage, you know how expensive it can be to pay the entire amount of your policy every month. But it doesn't have to be that way.
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PLEASE NOTE: THESE TERMS AND CONDITIONS MAY CHANGE FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. WE DO NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB SITE.
The Website is an online marketplace where you can request rate quotes for insurance products. You understand and agree that if you submit a request for a product or service offered through the Website, we will share your personal information (such as your full name, address, and telephone number) with insurance providers (collectively, "Provider" or "Providers") to process and fulfill your request.
You acknowledge that we do not make decisions regarding whether or not to issue you insurance policies that you apply for on the Website and that we are not a party to any agreement that you may make with the Provider, and that the Provider is solely responsible for its services to you. You further acknowledge that we are not acting as your agent or broker and are not recommending any particular insurance product or Provider to you. Any compensation we may receive is paid by the individual Provider for the marketing products and services rendered by us to that particular Provider. We do not charge you a fee to use the Website. You understand that requirements for a particular insurance product are made by the individual Providers and that we do not endorse, warrant, or guarantee the products or services of any the Providers. You agree that we shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the Provider's service.
By submitting your request for an insurance product, you are consenting to be contacted by one or more of our Providers either by telephone, email or mail based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. You understand that the Providers may maintain the information you submitted to us whether you elect to use their services or not. In the event you no longer want to receive communications from a Provider, you agree to notify the Provider directly. You also give us permission to send you periodic updates of current products which may be of interest to you.
You understand and agree that if you request a product or service other than an insurance product through the Website, we will share your information with certain businesses to process and fulfill your request. You further agree that these businesses may contact you by telephone, email or mail based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. You understand that those other businesses may maintain the information you submitted to them whether you elect to use their services or not. In the event you no longer want to receive communications from another business or client, you understand and agree to notify such business or client directly.
You certify to us that: (i) you are at least eighteen (18) years of age; (ii) you assume full responsibility for the use of the Website by any minors; (iii) you agree that all information you have submitted to us, online or otherwise, is accurate and complete, and that you have not knowingly submitted false information on or through the Website; and, (iv) your use of the Website is subject to all applicable federal, state and local laws, rules and regulations.
You may not (i) submit, transmit or facilitate the distribution of information or content that is harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person's view, objectionable; (ii) submit, transmit, promote or distribute information or content that is illegal; (iii) attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Website; (iv) take any action that imposes, or may impose, at our sole discretion an unreasonable or disproportionately large load on our infrastructure; (v) upload invalid data, viruses, worms, or other software agents through the Website; (vi) use any robot, spider, scraper or other automated access the Website for any purpose without our express written permission; (vii) impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; (viii) submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any laws, rules or regulations (including any intellectual property laws, rules or regulations) or under contractual or fiduciary relationships; (ix) interfere with the proper working of the Website; or, (x) bypass the measures we may use to prevent or restrict access to the Website.
You acknowledge and agree that the Website and any necessary software used in connection with the Website ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further agree that all materials and/or content, including, but not limited to, articles, artwork, screen shots, graphics, logos, text, drawings and other files on the Website or used as part of the Website are copyrights, trademarks, service marks, patents or other proprietary rights of us or the respective intellectual property owners. Except as expressly authorized by us, you agree not to modify, copy, reproduce, sell, distribute or create derivative works based on or contained within the Website or the Software, in whole or in part.
We grant you a personal, non-transferable, revocable and non-exclusive right and license to use the code of its Software on a single computer; provided that you do not copy, modify, create a derivative work of, reserve engineer, decompile, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including, without limitation, for the purpose of obtaining unauthorized access to the Website by any means other than through the interface that is provided by us for use in accessing the Website.
You agree to indemnify and hold us, and our subsidiaries, affiliates, agents, shareholders, officers, contractors, vendors and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Website, the violation of this Agreement by you, the violation of any federal, state or local laws, rules or regulations arising out of your use of the Website, or the infringement by you, or any other User of the Website using your computer, of any patent, copyright, trademark or other intellectual property right or other right of any person or entity. We reserve the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
WE PROVIDE THE WEBSITE "AS IS," "WITH ALL FAULTS" AND "AS AVAILABLE," AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURANCY, AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE MAKE NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. WE DISCLAIM ANY AND ALL WARRANTIES OR CONDITIONS, EXPRESS, STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION: (i) WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, ACCURACY, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-INFRINGEMENT; (ii) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE; AND, (iii) WARRANTIES OR CONDITIONS THAT ACCESS TO OR USE OF THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE. THERE ARE NO WARRANTIES THAT EXTEND BEYOND THE FACE OF THIS AGREEMENT.
ADDITIONALLY, YOU ACKNOWLEDGE THAT NEITHER WE NOR OUR WEBSITE USERS, WHILE SUCH USERS ARE PARTICIPATING IN THE WEBSITE, ARE ENGAGED IN RENDERING LEGAL, MEDICAL, COUNSELING, OR OTHER PROFESSIONAL SERVICES OR ADVICE. THE INFORMATION, CONTENT, OPINIONS AND PRODUCTS PROVIDED ON THIS WEBSITE ARE NOT AND SHOULD NOT BE CONSIDERED PROFESSIONAL ADVICE. WE ENCOURAGE YOU TO SEEK APPROPRIATE PROFESSIONAL ADVICE FOR ANY SITUATION OR PROBLEM THAT YOU MAY HAVE.
IN NO EVENT WILL WE BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM THIS AGREEMENT OR YOUR USE OF THE WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (1) BREACH OF CONTRACT, (2) BREACH OF WARRANTY, (3) STRICT LIABILITY, (4) TORT, (5) NEGLIGENCE, OR (6) ANY OTHER CAUSE OF ACTION, TO THE EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IF YOU ARE DISSATISFIED WITH THE WEBSITE, YOU DO NOT AGREE WITH ANY PART OF THIS AGREEMENT, OR HAVE ANY OTHER DISPUTE OR CLAIM WITH OR AGAINST US WITH RESPECT THIS AGREEMENT OR THE WEBSITE, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.
YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE US AND OUR AFFILLIATES, PARTNERS, SERVICE PROVIDERS, VENDORS, PROVIDERS AND CONTRCTORS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE WEBSITE.
We may provide you with notices, including those regarding changes to the Agreement, by either email, regular mail, or postings on the Website. All notices to Us must be made in writing and mailed to:
Juniper Marketing LLC
18124 Wedge Parkway #208
Reno, NV 89511
Your correspondence or business dealings with any third parties as a result of your visit and participation in the Website, including, but not limited to, business dealings with Providers, insurance agents or carriers, or any other terms, conditions, warranties, representations associated with such dealings, are solely between you and such third party. You agree that we shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such third party on the Website.
This Agreement will be interpreted in accordance with the laws of the State of New York, without regard to the conflicts of laws principles thereof. The parties agree that any and all disputes, claims or controversies arising out of or relating to the Agreement, its interpretation, performance, or breach, that are not resolved by informal negotiation within thirty (30) days (or any mutually agreed extension of time), shall be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association ("AAA") in New York, New York, or its successor. Either party may commence the arbitration process called for herein by submitting a written demand for arbitration with the AAA, and providing a copy to the other party. The arbitration will be conducted in accordance with the provisions of the AAA's Commercial Dispute Resolutions Procedures in effect at the time of submission of the demand for arbitration. The costs of arbitration plus reasonable attorneys' fees (including fees for the value of services provided by in house counsel) shall be awarded to the prevailing party in such arbitration. Judgment on the award rendered by the arbitrator may be entered in the appropriate state or federal court situated in New York, New York. Notwithstanding the foregoing, the following shall not be subject to arbitration and may be adjudicated only in the appropriate state or federal courts situated in New York, New York: (i) any dispute, controversy, or claim relating to or contesting the validity of our proprietary rights, including without limitation, trademarks, service marks, copyrights, or trade secrets; or, (ii) an action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or provisional relief such as writs of attachments or possession.
THE PARTIES AGREE THAT THIS AGREEMENT HAS BEEN ENTERED INTO AT OUR PLACE OF BUSINESS IN NEW YORK, NEW YORK, AND ANY ARBITRATION, LEGAL ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT MUST BE COMMENCED AND TAKE PLACE IN THE CITY OF NEW YORK, STATE OF NEW YORK.
We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Website (or any part thereof) with or without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Website.
Our failure to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Agreement remain in full force and effect.
You acknowledge, consent and agree that we may access, preserve, and disclose the information we collect about you in any manner in our sole discretion; and if required to do so by law or in good faith belief that such access preservation or disclosure is reasonably necessary to: (i) comply with legal process; (ii) enforce the Agreement; (iii) respond to claims that any information or content violated the rights of the third parties; (iv) respond to your requests for customer service.
The Agreement constitutes the entire agreement between you and us and governs your use of the Website, superseding any prior agreements between you and us.
The following paragraphs shall survive termination or your refusal to continue to use the Service: 5, 6, 7, 8, 9, 10, 11, 12, 15 and 16.
If you believe that any material on this Website infringes your copyright, please notify us as follows, under the Digital Millennium Copyright Act ("DMCA"). To notify us, the DMCA requires that you: 1. Send an email notice to us to: firstname.lastname@example.org. 2. Include the following information in your email: a. Identify of the copyrighted work(s) you claim is infringed; b. Identify the material you claim is infringing the copyright(s), and give enough information for us to locate that material; c. Include a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner's behalf (the "Claimant"); d. Include the Claimant's name, address, and telephone number(s); e. Include a statement that the Claimant has a good faith belief that use of the disputed material is not authorized by the copyright owner or his agent; and f. Include a statement, under penalty of perjury, that the information in the notification of copyright infringement is accurate and that the Claimant is the copyright owner or is authorized to act on behalf of the copyright owner.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
CobraHealthChoices.com (the "Website") is owned and operated by Juniper Marketing LLC ("we" or "us"). We respect your privacy and our goal is to maintain your trust when handling your personal information. This document is intended to inform you, the end user, about how we handle information we process on behalf of our clients who use our lead generation and online marketing services (our "Clients").
We collect certain personally identifiable information ("PII") when you use the Website, or otherwise submit PII to us. Specifically, we may collect the following personal information: your name, email address, telephone numbers, and other demographic information (like zip code, age, postal address, gender, birth date, mobile number, activities, interests, user behavior, education, income level or your method of payment). This information enables us to better tailor our content and offers to your needs and to help us, our Clients, partners and affiliates promote and sell products and services. We use the PII information to process your application or requests, or to send you information or material which we think you will enjoy. We also use the PII to assess and improve our Website. We may hire third-party vendors to provide specialized services such as customer support; email message deployment; suppression, merge and de-duplication services; data processing; and special products or services that you have requested. We reserve the right to provide any successor in interest with our subscriber and user databases. We may share your name, email address, physical address and other demographic information with partners, affiliates or entities with which we share common interests or perspectives in order to provide you with a better experience, to improve the quality of our service, and to send you information about products or services that may be of interest to you.
We may present links in a format that enables us to keep track of whether these links have been followed. We use this information to improve the quality of our technology, customized content and advertising. We also use this information to determine levels of revenue sharing between us and our partners and affiliates.
We collect certain aggregate and non-personally identifiable information, as described below, when you visit the Website. This information does not relate to a single identifiable visitor. It tells us such things as how many users visited our Website and the pages accessed.
Like most website servers we use log files. Log files include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. Log file information is not linked to personally identifiable information.
Pages on our Website may contain "web beacons" (also known as Internet tags, pixel tags and clear GIFs). Web beacons allow third parties to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the third party. We use log files to store the data that is collected through web beacons.
By registering at this Website, you agree that this act constitutes an inquiry and/or application for purposes of telemarketing laws, and notwithstanding that your telephone and/or cell number may be listed with the federal Do-Not-Call Registry you expressly opt-in to: (a) receive an offer or service from one or more of our Clients; (b) receive future information about products and services from us and from a variety of third parties to whom we may provide your information; (c) permit us, our Clients and other third parties to contact you pursuant to the business relationship we have established using the information you provided to us for any purpose such as contacting you by e-mail address, phone and/or cell number (including use of automated dialing equipment and prerecorded messages), text (SMS) message or any means of communication for any purpose that, among other things, your wireless device may be capable of receiving (e.g. mms, video etc. ). You acknowledge that your acceptance of these terms constitutes your express agreement to all uses of your information described herein.
We may share, license or sell your information to third parties for various marketing purposes, including their online (e.g., e-mail marketing) and offline (e.g., telemarketing, cell phone text messaging, skip tracing, and direct mail) marketing programs. If you would like to be removed from these programs, please click here to contact us and follow the opt-out instructions.
We may use third party service providers to enhance our database with additional elements, including but not limited to age ranges present in your household, whether you own or rent a home, the length of time you have lived at your residence, whether you are a mail order buyer or responder, household income, and gender. Further, we may use third party service providers to append telephone numbers to other data points we have in our database. We also may use third party service providers to validate the data we have in our database. Additionally, we may share, license or sell your information to third parties for use in their data validation, enhancement, information verification services, and, to the extent permitted by law, individual reference or look-up services. Please see the opt-out procedures below if you do not want us to share your information with other companies or organizations.
We may share personal information about you:
With our service providers and business partners who work on behalf of or with us under confidentiality agreements. These parties may use your personal information to help us communicate with you about offers from us and our Clients. These companies do not have any independent right to use or disclose your information unless you give them that right, or they have it due to your other activities.
To respond to subpoenas, court orders, or other legal process, or to exercise our legal rights or defend against legal claims.
You may exercise your option to not receive any future communications from us by clicking here. Subscribers should note that unsubscribing from this Website's electronic mailings will not automatically unsubscribe you from any communications you have elected to receive from our Clients or other third parties. Please note that you may still receive information from third parties to whom we have disclosed your information prior to the time you opted-out. You should contact each third party in the event that you no longer want to receive information from such party.
By completing or submitting a registration form or partial registration form you are consenting to receive SMS, wireless or other mobile offerings from us or our Clients to your cell phone. You understand that your wireless carrier's standard charges and rates apply to these messages. For SMS text messages, you may remove your information by replying "STOP", "END", or "QUIT" to the SMS text message you have received and we will remove your personal information within 10 days of receiving such request.
This Website is not directed to children under the age of eighteen and we do not knowingly collect personal information from children under the age of eighteen on the Website. If we become aware that we have inadvertently received personal information from a visitor under the age of eighteen on the Website, we will delete the information from our records.
The information that we collect from you may be transferred to, stored at and processed at a destination outside of the U.S. By submitting your personal information, you agree to this transfer, storage and processing. Where the privacy laws of these countries are not as comprehensive as those in the U.S., we will take steps to ensure that your privacy rights are respected.
If you feel that your inquiry has not been satisfactorily addressed, you may contact the Direct vMarketing Association at email@example.com or in writing at:
Direct Marketing Association
Attn: Privacy Promise
1615 L St. NW
Washington, DC 20036
We strive to keep all personal information accurate and complete. You are always fully in control of the information that we maintain. You can change your personal information at any time and as often as necessary. You can also request that information be deleted. Information may be withheld or exempted from deletion if this is required by law or is part of a fraud investigation, or as otherwise as described above in the Use of Information section.
You may access and modify your personal information by writing to us at:
Information Access Request
Individuals who reside in California and have provided their personal information may request information regarding disclosures of this information to third parties for direct marketing purposes. Such requests must be submitted to us at the following mailing address:
This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified above.
We provide links to other websites for your convenience and information. These sites may have their own privacy statements in place, which we recommend you review if you visit any linked websites. We are not responsible for the content of linked sites or any use of such sites or how such sites use your personal information.
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. Although we take reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure.