Terms of Use

Last Updated: January 1, 2026

1. Acceptance of Terms

Welcome to Hendrix Health LLC ("Company," "we," "us," or "our"). By accessing or using our website, requesting quotes, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our website or services.

2. Description of Services

Hendrix Health LLC operates as a licensed health insurance agency that:

• Provides information about health insurance options
• Connects consumers with licensed insurance professionals
• Facilitates quote requests from multiple insurance carriers
• Offers educational resources about health coverage

Important: We are not an insurance carrier or underwriter. We do not issue insurance policies, determine coverage eligibility, or make coverage decisions. All insurance products are offered and administered by licensed insurance carriers.

3. User Eligibility and Responsibilities

By using our services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into these Terms
• You will provide accurate and complete information
• You will use the website and services only for lawful purposes
• You will not impersonate any person or entity

4. SMS and Electronic Communications

If you provide express consent to receive SMS/text messages:

• You agree to receive marketing and informational messages at the phone number provided
• Message frequency varies based on your interactions
• Message and data rates may apply per your carrier plan
• You may opt-out at any time by replying STOP
• For assistance, reply HELP or contact us at +1 (757) 709-0342
• Consent to receive SMS is not required to use our services

By providing your contact information, you consent to receive communications from us electronically, including emails, calls, and text messages (with consent). You agree that electronic communications satisfy any legal requirement for written notice.

5. Intellectual Property Rights

All content on this website, including text, graphics, logos, images, software, and design, is owned by Hendrix Health LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

6. No Professional Advice

The information on this website is for general informational purposes only and does not constitute professional insurance, legal, tax, or financial advice. Insurance decisions should be made after consulting with a licensed professional who can evaluate your specific circumstances.

7. Third-Party Links and Services

Our website may contain links to third-party websites, including insurance carriers. We are not responsible for the content, accuracy, or practices of these third parties. Your interactions with third-party providers are governed by their respective terms and policies.

8. Disclaimer of Warranties

THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee that:

• The website will be uninterrupted, secure, or error-free
• Information is accurate, complete, or current
• You will qualify for any particular insurance product
• Any specific outcome will result from using our services

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HENDRIX HEALTH LLC AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR SERVICES.

Our total liability for any claims shall not exceed the greater of $100 or the amount you paid to us in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Hendrix Health LLC and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:

• Your use of the website or services
• Your violation of these Terms
• Your violation of third-party rights
• Inaccurate or incomplete information you provide

11. Insurance Licensing Disclosure

Hendrix Health LLC is licensed as an insurance agency in the states where we operate. Not all insurance products or coverage options are available in all states. Coverage availability, terms, conditions, and rates are determined by the insurance carrier and subject to underwriting guidelines.

THIS IS A SOLICITATION FOR INSURANCE. By submitting a quote request, you acknowledge that a licensed insurance agent may contact you to discuss insurance options.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the state in which Hendrix Health LLC is headquartered, without regard to conflict of law principles. Any dispute shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules.

You agree to resolve disputes on an individual basis and waive any right to participate in a class action or jury trial.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes become effective upon posting to the website. The "Last Updated" date indicates when revisions were made. Your continued use of the website constitutes acceptance of the modified Terms.

14. Termination

We may terminate or suspend your access to the website and services at our discretion, without notice, for conduct that violates these Terms or is harmful to us or others.

15. Contact Information

If you have questions about these Terms of Use, please contact us:

Hendrix Health LLC
680 Andersen Dr, Pittsburgh, PA 15220
Phone: +1 (757) 709-0342
Email: support@hendrixhealthllc.com