Terms of Use

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS PRIOR TO USING THE WEBSITE. By accessing this web site and any pages hereof, you indicate that you have read, understand, acknowledge and agree to be bound by the “Terms of Use.” If you do not agree to these Terms of Use, do not access this web site. Furthermore, Navali & Company (owner of www.HealthInsuranceOutlet.com) reserves the right to make changes the Terms of Use conditions. It is the responsibility of the end user of the website to regularly review and agree to all of the terms as set forth. If you do not agree at anytime, then you should not use the website. As used herein, Navali & Company means Navali & Company and its affiliates, including (www.healthinsuranceoutlet.com).

Privacy
Please review our Privacy Notice, which also governs your visit to our website, to understand our practices.

General Content About The Website
The web site (www.healthinsuranceoutlet.com) is comprised of various web sites and website pages operated by Navali & Company (collectively known as, the “web site”). By accessing such sections or pages, you agree to be bound by those additional terms and conditions. In the event of a conflict, those additional terms and conditions will govern your use of those sections or pages.

Certain pages or sections of this web site may contain separate terms and conditions, which are in addition to the Terms of Use conditions listed on this page. You should read those additional terms and conditions carefully.

Unauthorized use of Navali & Company’s web sites and systems is strictly prohibited. You may not use this web site in any manner that could damage, disable, impair or overload any Navali & Company site or service or interfere with any other party’s use and enjoyment of any Navali & Company site or service. Unauthorized access to any Navali & Company site or service, computer systems or networks connected to any Navali & Company site or service, through hacking, password mining or any other means is strictly prohibited.

Navali & Company reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change the content of web site. Navali & Company does not undertake any obligation or responsibility to update or amend any information that is dated. Navali & Company may discontinue or change any product or service described in or offered on this web site at any time.

Copyright
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Navali & Company or its content suppliers and protected by international copyright laws. The compilation of all content on this site is the exclusive property of Navali & Company, with copyright authorship for this collection by Navali & Company, and protected by international copyright laws.

Limitation of Liability and Warranty
Navali & Company and its associates attempt to be as accurate as possible. However, Navali & Company does not warrant that product descriptions or other content of this site is accurate, complete, reliable, current, or error-free. Your usage of the website is done so at your own risk. In no event shall healthinsuranceoutlet.com, Navali & Company, its agents, representatives or licensors be liable for any loss or injury or any damages, either direct or indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to the use of healthinsuranceoutlet.com or any information derived from the pages and links from the site. Navali & Company will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this web site. Although the information provided to you on this web site is obtained or compiled from sources we believe to be reliable, Navali & Company cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY. THIS SITE IS PROVIDED BY NAVALI & COMPANY ON AN “AS IS” AND “AS AVAILABLE” BASIS. NAVALI & COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, NAVALI & COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NAVALI & COMPANY DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM NAVALI & COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. IN NO EVENT WILL NAVALI & COMPANY BE LIABLE TO YOU, WHETHER IN CONTRACT OR TORT, FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

This limitation on liability includes, but is not limited to, any viruses transmissions which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force. Navali & Company cannot and does not guarantee continuous, uninterrupted or secure access to the web site.

Limited Use of Material Personal and Noncommercial
Navali & Company grants you a limited license to access and make personal (non-commecial) use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Navali & Company. This license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, descriptions, or prices: any derivative use of this site or its contents: any downloading or copying of account information for the benefit of another merchant: or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Navali & Company. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Navali & Company and our associates without express written consent. You may not use any meta tags or any other “hidden text” utilizing Navali & Company’s name or trademarks without the express written consent of Navali & Company. Any unauthorized use terminates the permission or license granted by Navali & Company. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Navali & Company so long as the link does not portray Navali & Company, its associates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Navali & Company logo or other proprietary graphic or trademark as part of the link without express written permission.

The contents of this website are copyright protected. All right, title and interest in this web site and any content contained herein is the exclusive property of Navali & Company. The collective work of this website may also contain work that is the property of others, which is also protected and/or other intellectual property laws.

Use of Links
This web site contains links to third party web sites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Navali & Company of any information contained in any third party web site. In no event shall Navali & Company be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this web site.

Electronic Communications
When you visit Navali & Company or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Applicable Law
By visiting Navali & Company, you agree that the laws of the state of California, Los Angeles County, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Navali & Company or its associates.

Disputes
Any dispute relating in any way to your visit to Navali & Company or to products you purchase through Navali & Company shall be submitted to confidential arbitration in the state of California, Los Angeles County, except that, to the extent you have in any manner violated or threatened to violate Navali & Company’s intellectual property rights, Navali & Company may seek injunctive or other appropriate relief in any state or federal court in the state of California, Los Angeles County, United States of America, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrators award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

Any cause of action you may have with respect to your use of this web site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of these Terms of Use, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms of Use, and the remainder of these Terms of Use shall continue in full force and effect. These Terms of Use constitutes the entire agreement between Navali & Company and you with respect to this site and it supersedes all prior or contemporaneous communications, agreements and understandings between Navali & Company and you with respect to the subject matter hereof. Navali & Company and you acknowledge and agree that unless expressly included in any other agreement between Navali & Company and you the requirements of the E-Commerce Directive (00/31/EC) as implemented are excluded to the fullest extent permissible by law. A printed version of these Terms of Use shall be admissible in judicial or administrative proceedings.

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