Last Updated: May 21, 2026
Welcome to HealthPlan99.com, operated by TellyTox LLC (referred to as “Company,” “we,” “us,” or “our”). Before you begin to use the HealthPlan99.com website (“Company Website”), please take a moment to review this Terms & Conditions Agreement (“Agreement”). The Agreement describes the terms and conditions applicable to your use of the Company Website and the products and services provided through or in connection with the Company Website (collectively, “Service”), which may be updated by Company from time to time without notice to you.
You must read and agree to all of the terms and conditions contained in this Agreement and the Company Website Privacy Policy then in effect (“Privacy Policy”), which is incorporated by reference, before you use the Service. By accessing the Company Website, you agree to abide by these Terms & Conditions and the Privacy Policy, which include a binding arbitration requirement and a waiver of your right to participate in class actions against both us and any third-party service providers we work with. If you do not agree to be bound by the terms and conditions of this Agreement, you may not use or access the Service.
1. Acceptance & Scope of Terms
By visiting or using the Site, you confirm that you have read, understood, and agree to be legally bound by these Terms and by our Privacy Policy, which together form a binding agreement between you and us.
If you enter into a separate written agreement with us for particular services, that agreement will govern to the extent it covers the same subject matter. In all other respects, these Terms shall apply.
This Site is intended only for U.S. citizens and lawful permanent residents aged 18 or older. If you do not meet these eligibility requirements or do not agree to these Terms, you must not use the Site.
We may update these Terms at our discretion at any time. Changes will be posted on the Site and/or sent to you via email. Your continued use of the Site after changes take effect constitutes acceptance of the updated Terms.
2. Eligibility
Use of the services is limited to parties that can lawfully enter into and form contracts under applicable law. This site is intended only for U.S. citizens and lawful permanent residents aged 18 or older. Minors are not allowed to use the service. By using this website, you represent and warrant that you meet these eligibility requirements. If you do not meet these requirements, you must immediately discontinue use of this Site.
3. Privacy
Company respects your privacy. Use of our Site is also subject to the terms and conditions of our Privacy Policy. See HealthPlan99.com’s Privacy Policy for additional information regarding your privacy on this website. If you have questions about these Terms & Conditions or the Privacy Policy, please email info@tellytox.com
4. Binding Arbitration
ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING ARBITRATION. YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS OR TO PARTICIPATE IN OR BRING CLASS ACTIONS AGAINST BOTH US AND ANY THIRD-PARTY SERVICE PROVIDERS WE WORK WITH. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.
Except where prohibited by law, you and we agree that all claims, disputes, or controversies arising out of or relating to the use of this website, to the services provided by HealthPlan99.com and its partners, any consents you have provided to us, or to any acts or omissions for which you may contend HealthPlan99.com or its affiliates, members, officers, or directors is liable relating thereto, or to the information, products, or services of marketing partners, shall be finally and exclusively settled by binding arbitration.
The arbitration will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”) and will be administered by the AAA.
The arbitration shall be held at a mutually agreed location but may proceed telephonically in the event the total amount of the claim does not exceed $10,000 U.S. dollars, if the claimant so chooses. The arbitrator shall be selected pursuant to the AAA rules, or otherwise as mutually agreeable to both parties. Should the AAA decline to accept a matter submitted for individual (non-class) arbitration, the arbitration shall be administered and conducted by a widely recognized arbitration organization that is mutually agreeable to the parties, but neither party shall unreasonably withhold their consent.
In the event the parties are unable to agree on a neutral arbitrator, the party making the claim may file suit in any court of competent jurisdiction solely for the purpose of requesting the appointment of an arbitrator for individual (non-class) arbitration, as provided for in the Federal Arbitration Act. To begin the arbitration process, a party must make a written demand by registered or certified mail.
A judgment upon the award rendered by the arbitrator may be entered in any court of competent jurisdiction. The agreement to arbitrate is not an agreement to the joinder or consolidation of arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved. To the fullest extent permitted by applicable law, no arbitration under these terms shall be joined to an arbitration involving any other party subject to these terms, whether through class arbitration proceedings or otherwise.
You are entitled to a fair hearing. Arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are enforceable as any court order and are subject to very limited review by a court. By using HealthPlan99.com, submitting online requests and forms, or consenting to be contacted, you consent to these arbitration restrictions.
5. Contents and Linking
All material that appears on this website is for general informational purposes only. While we try to ensure that any information we post to this website is both timely and accurate, errors may appear from time to time. This website may not be updated daily, and certain information may not be the most current information available. Though we may post follow-up information and reports, we may not go back and change the original report to reflect new developments. If you are looking for the most recent information on a given subject, be sure you are not looking at an out-of-date report. Before you act on information you have found on our website, you should independently confirm any facts that are important to your decision.
Company is not responsible for, and cannot guarantee the performance of, any products and services provided by any advertisers or others to whose sites we link. A link to another website does not constitute an endorsement of that site (nor of any product, service, or other material offered on that site) by Company or its licensors.
Although we make this website freely accessible, we do not intend to give up our rights, or anyone else’s rights, to the materials appearing on the website. The materials available through this website are the property of Company or its licensors, and are protected by copyright, trademark, and other intellectual property laws. Except for the limited licenses expressly granted to you in this Agreement, Company and its licensors expressly reserve all other rights and licenses. You are free to display and print for your personal, non-commercial use information you receive through this website, but you may not otherwise reproduce or modify any of the materials without the prior written consent of their owner. You may not distribute copies of materials found on this website in any form (including by email or other electronic means) without prior written permission from their owner.
We welcome links to the homepage of our website. You are free to establish a hypertext link to the homepage of this site so long as the link does not state or imply any affiliation, connection, sponsorship, or approval of your site by Company. We do not permit framing or inline linking to our website or any portion of it. Requests for permission to reproduce or distribute materials found on this website should be sent to info@tellytox.com
6. Links to Other Websites
The Site may contain links to third-party websites that we do not own or control. We provide such links for your convenience only and do not endorse their content, products, services, or privacy practices. We are not responsible for the accuracy, legality, or content of any external site or for any subsequent links. You are solely responsible for reviewing and complying with the terms & conditions and privacy policies of any third-party website you visit. If you have any questions about an external site, please contact that site directly.
7. Trademark & Intellectual Property
HealthPlan99.com and TellyTox LLC, and their respective trademarks, service marks, logos, product and service names, and phrases which Company now claims or may claim in the future are trademarks of Company (the “Company Marks”). You agree not to display or use the Company Marks in any manner without Company’s prior written permission. All other trademarks, service marks, and logos used on this site are the property of their respective owners.
The Site’s design, text, graphics, images, and other content, along with the overall “look and feel,” are protected by intellectual property laws and are either owned by us or used with permission. You may not copy, distribute, modify, reverse-engineer, publicly display, or create derivative works from any Site content without our express written consent.
8. Violations
You should report any violations of this Agreement to: info@tellytox.com
We take violations seriously and reserve the right to take any action we deem appropriate in response, including but not limited to suspension or permanent termination of your access to the Site, referral to law enforcement, and pursuit of civil legal remedies.
9. Submissions, Postings, and Disclosure
You are solely responsible for any information that you submit or post on this website. By using this website, you agree not to submit, post, or transmit any defamatory, abusive, obscene, threatening, or illegal material, or any other material that infringes on the ability of others to enjoy this website or that infringes on the rights of others.
We retain the right to deny access to anyone who we believe has violated these terms or any other term of this Agreement. We reserve the right — but assume no obligation — to monitor, delete, move, or edit any submissions or postings that come to our attention that we consider unacceptable or inappropriate, whether for legal or other reasons.
We will comply with all requirements of the law regarding disclosure of any submissions or postings on this website to others, including to law enforcement agencies and parties making civil legal requests. We will also comply with any other requirements of the law regarding disclosure of other aspects of your use of this website.
(Accuracy) You represent and warrant that the information you provide to us through your submission is accurate and truthful. If you do not provide such information in such a manner, we reserve the right to deny, suspend, or terminate service. We reserve the right to refuse to provide the Service to you, in our sole discretion, with or without cause.
10. Services Overview
Through the Site, you may submit inquiries or applications for products or services (“Services”) offered by us or by independent third-party service providers (“Third-Party Providers”) who advertise with or through us, including licensed insurance agents and carriers. We do not directly supply all products or services shown on the Site — final terms and conditions will come from the relevant Third-Party Provider.
Information you provide to us, including but not limited to your name, email, phone number, and other requested details (“Registration Data”), will be handled according to our Privacy Policy. We are not responsible for your interactions with or qualifications for any Third-Party Provider’s offerings, nor for disputes between you and them.
11. User Representations & Accuracy of Information
You represent and warrant that:
– All Registration Data you submit is truthful, accurate, and belongs to you;
– You are the authorized subscriber for any phone number or email address provided;
– You are a U.S. resident and at least 18 years old;
– You are not submitting information on behalf of another person without their express consent; and
– You have the legal right and authority to enter into this Agreement.
If your information changes, you must notify us promptly at info@tellytox.com Failure to do so may subject you to liability and indemnification obligations if inaccurate information causes harm.
12. Acceptable Use Guidelines
When using the Site, you agree not to:
– Engage in harassment, defamation, threats, or any unlawful activity;
– Post or transmit obscene, pornographic, discriminatory, or otherwise offensive material;
– Commit fraud, impersonate another person, or interfere with others’ use of the Site;
– Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site; or
– Use any automated means, including bots, scrapers, or crawlers, to access or collect data from the Site without our express written permission.
We may suspend or terminate your access to the Site at any time, with or without notice, and may delete associated data at our discretion.
13. Product & Content Accuracy
All product information on the Site is provided for educational and general informational purposes only and may change without notice. We make no guarantees regarding the completeness, accuracy, or timeliness of any information. Errors may occur, and no content on the Site should be taken as a binding offer, guarantee of coverage, or guarantee of eligibility or enrollment.
You should always verify details directly with the applicable Third-Party Provider, licensed insurance agent, or authorized representative before making any decisions based on information found on this Site.
14. Third-Party Beneficiaries
Third-Party Providers contacted through our Site are considered intended beneficiaries of specific sections of these Terms, particularly those relating to your representations and warranties, our limitation of liability, and indemnification obligations. Such Third-Party Providers shall have the right to enforce those provisions directly against you as if they were a party to this Agreement.
15. Indemnification
You agree to indemnify, defend, and hold harmless Company, including its parents, subsidiaries, and affiliates, and all of their respective officers, directors, employees, agents, licensors, suppliers, Third-Party Providers, and any third-party information providers against all claims, losses, expenses, damages, and costs (including reasonable attorney fees) resulting from:
– Any breach of this Agreement;
– Any violation of applicable laws or regulations by you;
– Your unauthorized use of this website; or
– Any inaccurate or false information you have provided.
Your indemnification obligation shall survive the termination of this Agreement. At our expense and election, we reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with Company in connection with our defense.
16. DISCLAIMER OF WARRANTIES AND LIABILITY
YOU AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. BECAUSE OF THE NUMBER OF POSSIBLE SOURCES OF INFORMATION AVAILABLE THROUGH THE WEBSITE, AND THE INHERENT HAZARDS AND UNCERTAINTIES OF ELECTRONIC DISTRIBUTION, THERE MAY BE INTERRUPTIONS, DELAYS, OMISSIONS, INACCURACIES, OR OTHER PROBLEMS WITH SUCH INFORMATION. IF YOU RELY ON THIS WEBSITE OR ANY MATERIAL AVAILABLE THROUGH THIS WEBSITE, YOU DO SO AT YOUR OWN RISK. YOU UNDERSTAND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM ANY MATERIAL AND/OR DATA DOWNLOADED FROM OR OTHERWISE PROVIDED THROUGH THIS WEBSITE.
THIS WEBSITE IS PROVIDED TO YOU “AS IS,” “WITH ALL FAULTS,” AND “AS AVAILABLE.” COMPANY AND ITS AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, USEFULNESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION AVAILABLE THROUGH THE WEBSITE, NOR DO THEY GUARANTEE THAT THE WEBSITE WILL BE ERROR-FREE, OR CONTINUOUSLY AVAILABLE, OR THAT THE WEBSITE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
UNDER NO CIRCUMSTANCES SHALL COMPANY (INCLUDING ITS PARENTS, SUBSIDIARIES, AND AFFILIATES) OR ITS AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES ARISING OUT OF ANY USE OR MISUSE OF THIS WEBSITE, INCLUDING, WITHOUT LIMITATION, LIABILITY FOR CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES, EVEN IF ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES, REGARDLESS OF THE FORM OR CAUSE OF ACTION INCLUDING, BUT NOT LIMITED TO, CONTRACT, NEGLIGENCE, AND OTHER TORT ACTIONS.
BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE LIABILITY OF COMPANY AND ITS AGENTS AND LICENSORS IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.
YOU AGREE THAT THE LIABILITY OF COMPANY (INCLUDING ITS PARENTS, SUBSIDIARIES, AND AFFILIATES) AND ITS AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM IN ANY WAY CONNECTED TO THE WEBSITE, SHALL NOT EXCEED THE AMOUNT YOU PAID TO COMPANY FOR THE USE OF THE WEBSITE.
17. Exclusions and Limitations
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you. To the extent a court determines any provisions in this Agreement to be unenforceable, such a determination shall not affect the validity of the remaining terms of this Agreement, which shall remain in full force and effect.
18. Notice
You agree that Company may submit any notices to you via either email or regular mail at the contact information you have provided. The service may also provide notices by displaying notices or links to notices to you generally on the service. All notices to Company shall be submitted in writing to info@tellytox.com or to the mailing address listed in Section 24 below.
19. No Resale of Service
Unless expressly permitted in writing by Company, you agree not to reproduce, copy, sell, resell, or otherwise exploit for any commercial purposes any portion of the Service, use of the Service, or access to the Service.
20. Termination
Company reserves the right at any time to terminate your use of this website if you fail to comply in full with any term of this Agreement, or any other terms, agreements, or policies that apply to this website and the use of it. Upon termination, all licenses granted to you under this Agreement will immediately cease. Provisions that by their nature should survive termination shall survive, including but not limited to: indemnification, disclaimers, limitations of liability, and binding arbitration.
21. Changes to Terms & Conditions
We may periodically change the Terms & Conditions and the Site without notice, and you are responsible for checking these Terms & Conditions periodically for revisions. Changes will be posted on the Site and/or sent to you via email. All amended Terms & Conditions become effective upon our posting to the Site, and any continued use of the site after such revisions have been posted signifies your consent to and acceptance of the updated Terms.
22. Feedback & Submissions
We invite you to send us your questions or comments about this website, or to bring to our attention any material you believe to be inaccurate. If you send us comments, ideas, or suggestions, you grant us a royalty-free, perpetual, irrevocable, worldwide license to use them for any purpose, without any obligation or compensation to you. You may provide general feedback by emailing us at info@tellytox.com
23. Miscellaneous
– If any part of these Terms is found invalid or unenforceable by a court of competent jurisdiction, the rest remains in full force and effect.
– Our failure to enforce any provision of these Terms at any time is not a waiver of our rights to enforce them in the future.
– We may assign our rights and obligations under these Terms without notice to you; you may not assign your rights without our prior written consent.
– Certain provisions of these Terms (including but not limited to disclaimers, limitations of liability, indemnification, and binding arbitration) will survive termination of your access to the Site.
– These Terms, together with our Privacy Policy, constitute the entire agreement between you and Company with respect to your use of the Site and supersede all prior agreements and understandings, whether written or oral.
– This Agreement shall be governed by and construed in accordance with the laws of the United States and the state in which TellyTox LLC is registered, without regard to conflict of law principles.
24. Contact Us
For questions regarding these Terms or our services, please contact:
Email: info@tellytox.com
Phone: +1 (954) 326-4562
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
