Terms and Conditions of Use

1. Service Description

VitaProtect is a free referral service connecting individuals seeking health insurance or supplemental health coverage with qualified health insurance advisors.

VitaProtect is not an insurance company, health insurer, broker-dealer, or healthcare provider. It operates solely as an independent referral and lead generation platform.

2. Eligibility and Access

3. Use of the Form

By submitting a request through the website, the user:

• Confirms that all information provided is accurate and truthful
• Consents to being contacted by VitaProtect and its partner advisors
• Authorizes the transmission of their contact information to selected partners for the purpose of responding to the request

4. Free Service

The service is entirely free for users.

VitaProtect may receive compensation from partner advisors or insurance marketing partners. Users will never be charged any fee for using the service.

5. Independence

VitaProtect is an independent service and is not affiliated with any specific insurance carrier, health insurer, or healthcare organization.

Partner advisors are selected based on qualifications, licensing status, certifications, and customer feedback.

6. Limitation of Liability

VitaProtect's responsibility is strictly limited to providing referral and connection services.

We are not responsible for:

• Advice provided by partner advisors
• Insurance products, pricing, or coverage terms
• Any disputes between users and third-party advisors
• Temporary website unavailability or technical issues
• Decisions made based on information provided by partners

Users are encouraged to independently verify all insurance information before making any financial or healthcare decisions.

7. Pricing and Coverage Information

Any pricing estimates, savings examples, or coverage information displayed on this website are provided for informational purposes only.

Actual pricing and eligibility may vary depending on factors including:

• Age
• Location
• Household situation
• Medical history
• Insurance provider requirements

8. Intellectual Property

All website content, including text, branding, graphics, logos, and software, is the exclusive property of VitaProtect / NextHub Digital AG and is protected under applicable intellectual property laws.

No content may be copied, reproduced, distributed, or used without prior written authorization.

9. Governing Law

These Terms shall be governed and interpreted in accordance with the applicable laws of the United States and, where relevant, the laws of the state in which services are provided, without regard to conflict of law principles.

Any disputes arising from the use of this website shall be subject to the jurisdiction of the appropriate courts within the United States.

10. Changes to the Terms

VitaProtect reserves the right to modify these Terms at any time.

Continued use of the website after any modification constitutes acceptance of the updated Terms.

11. Contact Information