Online Terms of Use

Last Updated: January 16, 2026

​

Welcome to https://www.heightenedhi.net (the “Website”), a website owned and operated by Heightened Health Insurance LLC (the “Company”). To assist our Users in utilizing the functionality of our Website, and to explain the relationship arising from your use of our Website and the information and services offered through it (collectively, the “Services“), we have created, among other things, (i) these Terms of Use (“Terms of Use” or “Terms“), and (ii) a Privacy Policy. Our Privacy Policy explains how we treat certain information that we have about you, including Personal Information (as defined in the Privacy Policy), and our Terms govern your use of our Website and participation in our Services.

 

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE YOU USE OUR WEBSITE. BY USING THE WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS, PLEASE DO NOT USE OUR WEBSITE.

 

These Terms contain a binding arbitration agreement. These Terms affect your legal rights, including an agreement to resolve disputes that may arise between us by arbitration on an individual basis instead of by class actions or jury trials. As a condition of using this Website, you agree that any disputes pertaining to information presented herein and use of the Website shall be resolved through binding arbitration and not in a court. You have the right to opt out of our agreement to arbitrate.

 

This Website provides the Service to the user, subject to the following Terms, which you accept by accessing the Website. Company is not responsible for providing you access, facilities, or equipment (in any form) to use its Service. You also comprehend and agree that Company makes no warranty or representation about the suitability, reliability, availability, timeliness, accuracy of the information, products, services and related graphics contained within the Service for any purpose. The Service is provided “as is” without warranty of any kind. Company hereby disclaims all warranties and conditions with regard to the Service.

 

ELIGIBILITY

Use of the Service is limited to parties that lawfully can enter into and form contracts under applicable law. For example, minors are not allowed to use the Service. If you are 17 years of age or younger, you must immediately navigate away from this Site.

 

ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF USE

By using the Services or otherwise accessing the Company websites, you agree to be bound by all terms and conditions hereof and all policies and guidelines incorporated by reference. The Service is provided to you, the User, under the terms and conditions and any amendments thereto and any operating rules or policies that may be published from time to time by Company.

 

MODIFICATION OF THESE TERMS OF USE

Company reserves the right to change any of the terms, conditions, and notices under which the Services are offered. You are responsible for regularly reviewing these Terms, which will be reflected in the “last updated” date above. Your continued use of the Service constitutes your agreement to all such terms.

 

USER CONDUCT

The Service may include online means designed to enable you to communicate with Company. You agree to use the tools only to post, send, and receive messages and material that are proper. You also hereby agree that you shall not make use of the Service for any commercial purpose. As a condition of your use, you agree to provide: (a) true, accurate, current and complete information about yourself; and (b) promptly update information to keep it accurate.

 

INFORMATION SUBMISSIONS

You, the User, are solely responsible for any information you transmit to or through the Website. You grant Heightened Health Insurance LLC an unrestricted, irrevocable, perpetual, transferable, sublicensable, worldwide, royalty-free license to use, copy, reproduce, display, publish, transmit, and distribute any information submission, without compensation.

 

CORRESPONDENCE

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. We may make calls and send text messages to you at the telephone number(s) you provide to us. These may include prerecorded/artificial voice messages and/or an automatic telephone dialing system. You represent that you are the owner of those telephone numbers. You agree that Company may send emails to you at the email address provided.

 

ACCESSIBILITY

This Site is designed to be accessible to individuals with disabilities. Please email us at admin@heightenedhi.net if you encounter an accessibility or usability issue on this site.

​

PROPRIETARY RIGHTS

You acknowledge that the Service and any software used in connection with the service contain proprietary and confidential information protected by intellectual property laws. Except as expressly authorized by Heightened Health Insurance LLC, you agree not to modify, sell, or distribute works based on the Service.

​

LIMITATION OF LIABILITY

THE SITE IS PROVIDED ”AS IS”. HEIGHTENED HEALTH INSURANCE LLC MAKES NO WARRANTIES, EXPRESS OR IMPLIED. TO THE EXTENT PERMITTED BY LAW, COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR INABILITY TO USE THE SERVICE.

​

INDEMNITY

You agree to indemnify and hold Heightened Health Insurance LLC, and its affiliates, officers, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, arising out of content you submit, your use of the Service, or your violation of these Terms.

​

COPYRIGHT INFRINGEMENT POLICY

In accordance with the DMCA, Company will investigate notices of copyright infringement. If you believe your work has been copied on www.heightenedhi.net in a way that constitutes infringement, please provide written notification to our Designated Agent with the required legal elements to admin@heightenedhi.net.

​

APPLICABLE LAW

By visiting the Website, you agree that the laws of the state of Florida, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute that might arise.

​

DISPUTES AND ARBITRATION/CLASS ACTION WAIVER

Any dispute relating to your use of the Services shall be submitted to confidential, binding arbitration in Palm Beach County, Florida. Arbitration shall be conducted under the rules of the American Arbitration Association. YOU WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR JURY TRIAL.

Opt-Out: You may opt out of this Agreement to Arbitrate by notifying us in writing within 30 days of your first use of the Website. Send your notice to: Heightened Health Insurance LLC, Attention: Legal Department, or by email at admin@heightenedhi.net.

​

CONTACT INFORMATION

Questions about these Terms should be sent to us via email at admin@heightenedhi.net.

PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF USE FOR YOUR RECORDS.