Terms of Use

This website, www.homesteadplans.com (the “Site”), is maintained by Homestead Smart Health Plans LLC. Insurance is not offered on this site and may only be obtained through a licensed insurance broker. A condition of accessing and using the Site is acceptance of the Terms of Use. You are deemed to have accepted the Terms of Use and are legally bound to them, whenever you access the Site and each time you access a login or authenticated portion of the Site though the use of login credentials, or otherwise. Occasionally the Terms of Use may be revised. You are bound by such revisions if you continue to use the website after we have posted the changes. We suggest that you periodically review this page to review the most recent terms of use. References to “Homestead Smart Health Plans” mean, Homestead Smart Health Plans LLC, Homestead Insurance Company and their affiliates listed below.

No Offer to Sell / Solicitation

Information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service. Product descriptions are provided only as a basic outline of the products and services available from Homestead Smart Health Plans and are not intended to be comprehensive. All insurance is subject to underwriting and coverage depends on the limitations and exclusions contained in the policy or certificate provided when the insurance is issued. Detailed information on any product or service is available upon request. For coverage specifically applicable to your business please contact your licensed insurance broker.

Regulatory Information

Due to various insurance and regulatory restrictions, certain products described on this website may not be available to all users. Also, products may vary by jurisdiction and may not be offered by all of the Homestead Smart Health Plans companies. No insurance product is offered or will be sold by Homestead Insurance Company in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

Some policies, where permissible, may be placed with a stop loss insurer other than Homestead Insurance Company, and Homestead Insurance Company may or may not participate in the risk. Homestead Insurance Company utilizes third party managing general underwriters to assess and price risk and manage the policies it writes.

Copyright and Trademark Information

All textual, graphical, and other content (“Content”) appearing on this Site is the property of Homestead Smart Health Plans LLC, its related companies, or their respective licensors. All copyrights and other intellectual property rights in the Content of this Site are reserved to Homestead Smart Health Plans LLC and its licensors. The Site and its Content are provided for lawful purposes only. You may use the Site’s Content only as Homestead Smart Health Plans LLC expressly permits. None of the Content on this Site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that (1) you are permitted to print one copy only of each page of this Site solely to facilitate your making contact with Homestead Smart Health Plans LLC and its affiliates named herein and (2) authorized insurance brokers may use the Site’s Content for their internal business purposes. Any copying or other unauthorized use of the Site’s Content other than as expressly permitted by Homestead Smart Health Plans LLC is a violation of these Terms of Use and will infringe the rights of Homestead Smart Health Plans LLC, its affiliates and its licensors under international treaty and United States law. All brand, product, service, and process names appearing on this Site are trademarks of their respective holders. Reference to or use of a brand, product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that brand, product, service, or process by Homestead Smart Health Plans LLC or its affiliates. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property right of Homestead Smart Health Plans LLC, its affiliates or any third party, except as expressly granted herein.

Warranty Disclaimer

To the extent permitted under applicable law, this Site is provided “as is” and “as available” and without warranties of any kind. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, HOMESTEAD SMART HEALT PLANS LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Homestead Smart Health Plans makes no representation or warranty whatsoever regarding the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, suitability, functionality, availability, or operation of this Site or the content or services provided on, or accessible from, this Site. Homestead Smart Health Plans does not warrant that the operation of this Site will be uninterrupted or error-free, that defects will be corrected, or that this Site or the server that makes it available are free of viruses or other harmful components. Homestead Smart Health Plans assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the web site or your downloading of any materials, data, text, images, video, or audio from this web site or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.

Limitation of Liability

To the fullest extent permitted under applicable law, in no event will Homestead Smart Health Plans be liable for any direct, indirect, special, incidental, or consequential damages arising out of or in connection with the use or inability to use this Site (or the content or services provided on, or accessible from, this Site), or otherwise, even if Homestead Smart Health Plans has been advised on the possibility of such damages. Neither Homestead Smart Health Plans LLC nor any other company named herein will be liable for the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, or suitability of the content or services provided on, or accessible from, this Site.

Your Obligations

You are required to comply with all applicable laws in connection with your use of the Site and Site Content. You confirm that you have and will maintain appropriate procedures and safeguards with respect to your access and use of the Site and any Site Content obtained through the Site. You agree that you will only provide information in connection with your use of the Site that is true and accurate, identifies only you, and is not false, misleading, or otherwise an impersonation of any person or entity.

Use Restrictions

You may not and agree that you will not (and will not attempt to), nor will you authorize or enable any other person or entity to:

(a) access or use the Site, the Site Content, or any component thereof in any manner or for any purpose not expressly authorized by these Terms of Use and the Site-Specific Terms;

(b) distribute, sublicense, lease, rent, loan, or otherwise use or make the Site, the Site Content, or any component thereof available for use by third parties, including as part of a service bureau, outsourcing, or external consulting arrangement;

(c) allow any other person or entity to use any credentials or codes associated with you (i) to access, view, or use any component of the Site, (ii) for posting, copying, extracting, downloading, viewing, transmitting, or receiving data of any kind, or (iii) to enable participation in any activities identified on or associated with the Site;

(d) access or use through the Site, the Site Content, or any component thereof through interfaces, robots, crawlers, scripts, or other automated means (unless approved in writing by us);

(e) “scrape,” “data mine,” “harvest” or otherwise aggregate, collect, or compile any data or other Site Content from the Site, whether manually or through automated means (unless approved in writing by us);

(f) access or use the Site, or process any data or other Site Content from the Site, using any artificial intelligence model, tool, or capability (including without limitation large language models and generative AI), or for the purpose of developing, training, or enhancing any artificial intelligence model, tool, or capability;

(g) deactivate, bypass, or circumvent any access controls or security measures for the Site, the Site Content, or any component thereof;

(h) gain unauthorized access to the Site, the Site Content, or any component thereof, or to our or any other user’s network, systems, or data;

(i) engage in any activity or use any device, software, or routine, or introduce any virus, Trojan horse, spyware, adware, or other malicious code, that interferes with a user’s access to the Site or the proper operation of this Site;

(j) engage in any activity that disrupts or impairs the performance of the Site;

(k) access or use the Site, the Site Content, or any component thereof in violation of any applicable laws or regulations, the intellectual property or other rights of any third party, or any contractual or legal duty or obligation including in a manner prohibited by these Terms of Use or the Site-Specific Terms;

(l) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying programming, models, databases, or database structures for the Site, the Site Content, or any component thereof; or

(m) remove or obscure any copyright, trademark, confidentiality, or other notices, terms, or disclosures for the Site, the Site Content, or any component thereof.

The foregoing Use Restrictions are intended and will be deemed to apply to the maximum extent permitted under applicable law. We reserve the right to suspend or terminate access to address non-compliance with these Terms of Use.

Portal Access/Links

Within this Site, you may see links or references to other web sites. When you click on one of those links, you are transferred to another web site that is not under Homestead Smart Health Plans control. Homestead Smart Health Plans does not endorse, and is not responsible for, the content (including software downloads), performance, accessibility, and privacy practices of any web sites linked to this Site. We encourage you to read the copyright, privacy and other legal statements of these linked web sites as their policies may differ from ours. You are solely responsible for any interactions you may have with such web sites.

Some of the links may be to applications that are private in nature and are only intended to be used by those individuals registered and granted access by us. By registering for, accessing, or using a Portal, you represent and confirm that you have all rights and permissions and meet all applicable eligibility requirements necessary to register for the Portal and use the Portal features made available to you. If you cease to meet any Portal eligibility requirements, you must immediately cease all access to and use of the Portal.

As a Registered User, you may use the Portal only for your own authorized use consistent with these Terms of Use, any associated Site Specific Terms, and any associated contracts in place between us and you or your company or organization. You may not permit any other person or entity to use your login credentials, nor may you access or use the Portal for any other person’s or entity’s benefit.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Registered User account. You agree to notify us immediately if you suspect any unauthorized access to your login credentials or any use of the Portal by any other person or entity through your Registered User account.

Links to the Site should not be made without the permission of Homestead Smart Health Plans LLC. Please direct your linking request to: legal@homesteadplans.com.

Text Messaging

We support texting communications in accordance with your communication preferences. If you choose to receive text messages, you will receive text messages in accordance with our Privacy Notice. By providing us with your mobile phone number, you agree that we may send health-related and transactional text messages, which may use auto-dialing technology, as well as text messages for operational purposes such as verifying your identity. You are not required to agree to receive text messages as a condition to purchasing goods or services. The number of text messages per month varies.

To opt-out from a particular text message program, you can text STOP in response to associated program text messages from your mobile phone. To get technical help or support, contact us using the information provided on the Site. From your mobile phone, you may request our contact information at any time by texting HELP in response to text messages. Message and Data Rates May Apply. Carriers are not liable for delayed or undelivered messages. The text message program is subject to these Terms of Use and the Privacy Notice, to the extent applicable. Comprehensive terms and conditions may be presented in full with the call-to-action.

Monitoring

Homestead Smart Health Plans LLC reserves the right to monitor all activity on this Site and to notify the proper law enforcement officials if any suspicious activity is detected.

Social Media

The Site may include opportunities to view information and communicate with us through social media or other third-party services such as LinkedIn®, X (formerly Twitter®), Facebook®, Glassdoor®, and blogging. You should use common sense and good judgment in communicating with us through these services. We are not responsible for the terms of use, site specific terms, and privacy policies that govern these third-party services.

Governing Law and Forum

These terms of use shall be governed by and construed in accordance with the laws of the United States, without giving effect to any principles of conflicts of law. If any provision of these terms of use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms of use and shall not affect the validity and enforceability of any remaining provisions. Any controversy or dispute will be submitted, and you hereby irrevocably consent, to the personal jurisdiction of the federal courts of the Eastern District of Pennsylvania.

Privacy

Your use of this Site is subject to the terms of the Site’s Privacy Policy. The Privacy Policy explains what information Homestead Smart Health Plans LLC may collect from you on our website and how we will use and protect your information. We do not collect any personally identifiable information on our website unless you provide it to us.