[Last Updated Jan, 2025]

Welcome to the Advanced Health Group Website! By using the Website you agree to be bound by the terms and conditions contained within the Terms of Service (previously “Terms of Use”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink, and our Privacy Policy. Collectively, these form a legally binding agreement between us and you. THE TERMS OF SERVICE CONTAIN AN AGREEMENT TO ARBITRATE ALL CLAIMS AND DISCLAIMERS OF WARRANTIES AND LIABILITY.

1. Introduction

The terms “Advanced Health Group”, “we,” “us,” or “our” mean Advanced Health Group, a subsidiary of Horizon Financial Corporation, which does business as Advanced Health Group Online Insurance Services in Ohio, Kentucky, Michigan, North Carolina, South Carolina, Virginia, West Virginia, Tennessee, Illinois, Georgia, Wisconsin, and Texas. The terms “you,” “customer,” and “user” shall mean you, users of our Services, and any entity or organization you or such users represent. The term “Services” means, collectively, the website at www.advancedhealthgroup.com (“Website”), various websites, applications, widgets, information, chatbots, services, email notifications and other media, or portions of such media, through which you have accessed the Terms of Service.

2. Privacy Policy By using our Services,

You acknowledge that you have read and understand our Privacy Policy. The Terms of Service incorporate this Privacy Policy in full and, by agreeing to the Terms of Service, you agree to be bound by the terms of the Privacy Policy. You also acknowledge receipt of our Cookies Policy, which is incorporated into our Privacy Policy.

3. Your Compliance with The Terms of Service

By using our Services and visiting our Website, you voluntarily accept and consent to the Terms of Service, and your consent and acceptance is supported by sufficient and valuable consideration. You acknowledge that this consideration includes, but is not limited to, access to our Services and your ability to interact with our Services and Agents. You expressly represent that you have the capacity to agree to be bound to the Terms of Service and, given that you are acting on behalf of a business entity or other organization, agree that you have the authority to so bind that entity or organization.

4. Representation of Data Collection

You consent to and agree that Advanced Health Group may collect data and Personal Data, as defined in our Privacy Policy, from you even though we may not be able to offer you any available products or services for purchase. Advanced Health Group currently only offers services in a limited number of states and currently only offers limited insurance services. If you voluntarily provide us with any information about yourself or a third party, you agree that Advanced Health Group reserves the right to use that data for market analysis, advertising, or other commercial purposes. This is true even if Advanced Health Group cannot offer you or a third party products or service at the time you provide us with this information. When requesting information or quotes for a commercial automobile insurance policy, you represent that you have provided notice to and obtained consents from your employees that will allow the insurance carrier to obtain any motor vehicle records related to those employees to be used in underwriting decisions.

5. Consent to Receive Electronic Copies of Insurance Documents

By signing up for our Services, you consent to receive all insurance documents – including identification cards – in electronic form only to an email address you provide, except where electronic delivery is not allowed by law or regulation. Once a policy is chosen by you, you will be able to access your ID cards, policy documents, and related information via any contemporary web browser on an internet-connected device such as a tablet, mobile phone, or laptop at the chosen insurance carriers website.

6. Use of Our Services

Our Services, as well as their underlying processes, related content, and generated data, may not be used for personal, family, household, informational, or non-commercial use. You may not copy, reproduce, sell, distribute, replicate, duplicate, relay, transmit, broadcast, or license our Services or their underlying processes, related content, or generate data without Advanced Health Group’s express written consent. Your use of our Services is not transferable by you to any other person or entity. Your access and use of our Services may be interrupted by, without limitation, maintenance of our equipment or networks, malfunction of our equipment or networks, or inadvertently by a third party or parties. We reserve the sole right to suspend or discontinue the availability of our Services at any time in our sole discretion and without prior notice or consent.

7. Prohibited Activities

You are responsible for anything you transmit to or through Advanced Health Group’s Website or to Advanced Health Group through email, short message service or text, voice calls, Facebook, Twitter, Google Review, chatbot, or any similar service. You represent that your transmissions to Advanced Health Group are and will be truthful, accurate, not misleading, offered in good faith and that you have authority to transmit such information. In using this Website, you agree that it is solely your responsibility to avoid certain activities that we deem, at our discretion, to be prohibited. These prohibited activities include without limitation:

Criminal activity or tortious activity, including (i) fraud or misrepresentation, (ii) harassment (such as verbal harassment), (iii) infringement or misappropriation of a third party’s copyright, trademark, patent, trade secret, or other intellectual property, (iv) slander, libel, defamation, or use of content that is obscene, pornographic, vulgar or offensive, (v) use of content that promotes discrimination, bigotry, racism, hatred, harassment, violence, or harm against any individual or group, and (vi) content that promotes illegal or harmful activities or substances;

8. Monitoring of Services

We reserve the right, but have no obligation to, monitor our Services for your or third party violations of the Terms of Service, take appropriate legal action against anyone who violates the Terms of Service, refuse or restrict access to or availability of any user’s interaction with the Services, remove the Services, or otherwise disable all files and content at our discretion, and otherwise manage the Services in order to protect the rights and property of Advanced Health Group and its customers.

9. Termination of Your Account or Use of Our Services

We may restrict, suspend, or terminate your use of or access to our Services in the event that you violate the Terms of Service and, at our sole discretion, as permitted by law. We may change the Services or content, or otherwise restrict access to all or parts of our Services without providing notice at our discretion, as permitted by law.

10. Content

Advanced Health Group makes no representations or warranties about the suitability of the content of its Website for any purpose. Advanced Health Group provides all content of its Website on an “as is” and an “as available” basis without any warranty of any kind.

11. About Carriers & Agents We Currently Use

Advanced Health Group and its affiliated Agents act as duly appointed agents with various insurance carriers, representing those insurance companies to whom it will submit your insurance application and from whom it will procure your insurance coverage options.

12. Disclaimers and Limitations on Liability

Advanced Health Group makes no warranty of any kind whatsoever – express or implied – with respect to the contents of its Services. ADVANCED HEALTH GROUP HEREBY DISCLAIMS ANY AND ALL implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose. You expressly agree that your use of our Services is at your sole risk. It is solely your independent duty and responsibility to verify and evaluate the accuracy, correctness, reliability and completeness of ANY Services or options offered. We make no warranty or guarantee that any content available for downloading is free from infection from any computer programming or other glitches which may contaminate damage, interfere with, destroy, intercept, or expropriate any system, data, or personal information. We do not make any representations, warranties, or guarantees – express or implied – regarding quotes or offers provided on or through our Services. As such, we expressly disclaim all liability for any content, products, or services furnished from such service providers.

We further make no representations, guarantees, or warranties that our Services are appropriate or available for use in jurisdictions outside of the United States of America. If you access or otherwise use our Services from these jurisdictions, you do so of your own volition and risk, and are solely responsible for compliance with local and international law.

Advanced Health Group will not be held liable to anyone for any liability arising out of, or in any way relating to, any damages, loss, or claim whatsoever, no matter how occasioned, in connection with or arising out of access to or use of the contents of its Services. In no event shall Advanced Health Group be liable for any special, indirect, exemplary, or consequential damages or any damages whatsoever, including, but not limited to, loss of use, data, or profits, without regard to the form of any action, including, but not limited to, contract or negligence or other tortious actions, arising out of or in connection with the use, reproduction, or display of the content.

13. Representations and Disclaimers Related to Products or Services

Advanced Health Group makes no representations, warranties, or guarantees with respect to quotes, terms, rates, coverage, or services offered to you by Agents or insurers or other third parties through Advanced Health Group’s Services. Advanced Health Group believes the content provided through its Services to be accurate, complete, and current. However, inadvertent technical or factual inaccuracies may arise and, therefore, Advanced Health Group does not warrant that its content is accurate, complete, and current. Content that Advanced Health Group provides through its Agents and/or Services is meant to assist you with insurance and financial decisions. However, such information merely constitutes a general description of insurance coverage potentially available. Any particular coverage option provided to you by Advanced Health Group, its affiliated Agents or any insurance company or other third party is subject to that party’s terms, conditions, exclusions, and underwriting practices. Any coverage recommendations made by Advanced Health Group or its Agents are based solely on a defined set of information provided by you and are limited to the products and coverages that Advanced Health Group affiliated Agents offer. You acknowledge and agree that such recommendations may omit coverage that may be necessary or advisable for you and such recommendations may differ from recommendations that you might receive were you to seek advice specific to your individual circumstances. You must submit a complete request to obtain a particular coverage. Issuance of insurance coverage is dependent on underwriting approval of the insurance carrier; availability and coverages options may vary by state. You must verify information Advanced Health Group Agents provide through its Services before relying on that information in whole or in part. We also recommend that you obtain additional information and advice from your accountant, attorney, and other advisors that can take your individual circumstances into account. The insurance policy or other product or service you purchase from outside entities other than Advanced Health Group Agent affiliated carriers forms the exclusive contract between you and the insurer or other third party, and you agree to not rely on the general information or descriptions of coverage made available through Advanced Health Group’s Services. Our Service may provide you with options or quotes with a third party provider of goods or services. However, you agree that we make no guarantee that all users will be provided with such a quote, and that some of these services may only be available to United States residents and corporations or only available in a portion of states. Advanced Health Group may receive fees or commissions from insurers or other third parties with respect to certain transactions made in connection with our Services. Nevertheless, you acknowledge that we are not responsible for any fee arrangement or the terms of any agreement you may enter into with a provider of a product or service through our Services. You hereby release Advanced Health Group of any loss, cost, damages, or claim in connection with or arising from your use of a service or product, including any fees charged.

14. Representations to Us

By using our Services, you represent and warrant to us that: You are at least 18 years of age. You are authorized to purchase and bind this insurance on behalf of the entity applying for coverage. You have not had any judgments or liens placed against you in the last three years.

15. Indemnification and Hold Harmless
By using our Services, you agree to indemnify, defend, and hold harmless Advanced Health Group and its affiliated Agents against any claim, cost, fine, damages, including attorneys’ fees, arising from or related to your use of our Services.

16. Financial Decisions

Our Services offer a platform that provides you with access to information and third party providers of products and services. We do not endorse or recommend any of these providers except to offer the options requested by you. We do not investigate, guaranty or certify that such providers are appropriately licensed, certified, or otherwise qualified to offer these products and services. You agree that you are solely responsible to investigate these providers, and that you are solely responsible and liable for any products or services they may provide you that may give rise to costs, damages, liabilities, fees, or fines. We suggest that you consult financial advisers, insurance agents, or other qualified professionals who may be fully aware of your individual circumstances and needs prior to making any financial or insurance purchasing decisions. You agree that you are relying solely on your judgment and that of your advisors in purchasing products or services through our Services or based on information provided by our Services.

17. Intellectual Property Rights

Our names, graphics, and logos used in connection with our Services, service marks, icons, page headers, page layouts, scripts, and unique terminology are our trademarks and trade dress (collectively, “Proprietary Marks”) in the United States and other countries. You may not use our Proprietary Marks without our express and written permission. Advanced Health Group makes no proprietary claim to any third party names, trademarks, or service marks appearing on our Services as the rights related to these names, trademarks, or service marks belong to their respective owners. Any information, advice, data, software, or other content, which may be contained in or downloaded from our Services (collectively, “Content”), including, but not limited to, all text, graphics, charts, images, videos, line art, icons, and renditions, are copyrighted by, or otherwise licensed to, us or our Content suppliers. We also own copyrights to a collective work in the selection, coordination, arrangement, organization, navigation, presentation, display, and selective alteration of the Content (“Collective Work”). All software used in providing or supporting our Services (“Software”) is our property or the property of our software vendors and is protected by United States and international copyright laws. Any access you may have, including but not limited to, viewing, reading, printing, downloading or otherwise using the Content, Collective Work, or Software does not waive any of our rights and does not entitle you or any third party to any ownership or intellectual property rights. You are solely liable for any damages arising from your infringement of our or any third party intellectual property rights with respect to the Proprietary Marks, Content, Collective Work, Software, or third party names, trademarks or service marks. You are solely responsible for any harm incurred to us or our affiliates as a direct or indirect result of you copying, distributing, redistributing, publishing, or using the same for purposes that are expressly or impliedly in violation of these Terms of Service.

18. No Third party Beneficiaries

The Terms of Service are between you and Advanced Health Group, and no provision within the Terms of Service confers any implied or express right to any third party. The Terms of Service do not provide you with any authority to bind Advanced Health Group in any way.

19. Assignment

You may not transfer, assign, or license your rights under the Terms of Service without our prior express and written consent.

20. Void Where Prohibited

Our Services are intended for use for those areas in the United States where we, our affiliates, our partner insurers, our brokers, or our agents are licensed and permitted to sell our products and services. Although our Services may be accessed by users in other locations, any offer or transaction for any feature, product, or service is void where prohibited by law.

21. Our Services Are Not Intended for Minors

Our Services are not directed at minors, that is, persons younger than 18 years old. If you are not at least 18 years old, please do not attempt to access our services. We do not knowingly contact or collect personal information from persons under 18 years old, and such a person should not provide us with any information.

22. Governing Law and Jurisdiction

You agree that the Terms of Service (and incorporated Privacy Policy and Cookies Policy) are governed and interpreted by the laws of the State of Florida without regard to principles of conflicts of law. By using our Services, you agree to personal and exclusive jurisdiction of the state and federal courts of Florida in order to resolve any dispute arising from your use of the Services, including but not limited to the enforcement of any arbitration award. You further agree to waive any objection to such jurisdiction or venue.

23. Arbitration Agreement and Waiver of Class Remedies

(a) Arbitration Agreement

You and we agree that any “Dispute” arising out of or relating in any way to our Services, these Terms of Service, your visit to our use of our websites, any products or services offered through our websites, or the enforceability, validity, or applicability or this Arbitration Agreement or class waiver shall be finally resolved by binding arbitration following the parties’ best efforts to settle such Dispute. “Dispute,” is defined as any claim, controversy, or action, whether brought under contract, tort, in law or equity, or under any regulation or statute.

(b) Waiver of Class Remedies

The parties agree that any arbitration shall be conducted only in their individual entity capacities, and the parties expressly forego the right or option to file or join a class action or other representative action.

24. Communications With Advanced Health Group

You may provide your information as part of an attempted or completed request for a quote or offer for goods and services of a third party vendor. In doing so, you agree to allow Advanced Health Group to use this information in any way consistent with the Terms of Service, and our Privacy Policy. You may contact us by email at info@myahgagency.co