These Terms and Conditions govern your use of the Options.Health website (www.options.health) and any related platforms, including mobile applications, supported by Options.Health (collectively referred to as the “Options.Health Websites”). By accessing or using the Options.Health Websites, you signify your agreement to these Terms and Conditions. If you do not accept these terms, please discontinue use of the Options.Health Websites immediately.
The content and information on the Options.Health Websites are either owned or licensed by Options.Health, including its affiliates, subsidiaries, and parent entities (collectively, “Options.Health”). In these Terms and Conditions, “we,” “us,” and “our” refer to Options.Health, while “you” and “your” denote any person or entity accessing or utilizing the Options.Health Websites.
You may not use the Options.Health Websites for any unlawful activities. You are solely accountable for any content you generate, share, or display while using the Options.Health Websites, as well as for any consequences arising from your actions, including potential losses incurred by Options.Health. We bear no responsibility for such content or outcomes.
The Options.Health Websites provide content solely for informational purposes and agent support. This content is not intended as financial, legal, tax, insurance, or accounting advice unless explicitly stated otherwise. For decisions in these areas, consult your own financial or legal advisors and independently verify all information. Reliance on the Options.Health Websites for such decisions is at your own risk.
All materials on the Options.Health Websites—including text, graphics, videos, audio, software, reports, trademarks, and service marks—are protected by intellectual property laws and owned or licensed by Options.Health unless otherwise specified by law or a separate written agreement. Without prior written consent from Options.Health or the respective rights holders, you may not reproduce, distribute, modify, sell, or publicly display this content for commercial or public purposes. However, you are permitted to print or copy content for personal, non-commercial use, provided all copyright and proprietary notices remain intact. Framing or embedding this content on other websites or networked systems is prohibited without permission. Options.Health reserves the right to revoke your ability to make personal copies at any time. All rights not expressly granted herein are reserved.
If a separate written agreement grants you specific rights to use Options.Health branding (e.g., trademarks or logos), your usage must comply with that agreement, these Terms and Conditions, and any additional policies we may issue.
Options.Health grants you a non-exclusive, royalty-free, personal, and non-transferable license to access and use the Options.Health Websites and associated software or services, solely for your benefit as permitted by these Terms and Conditions. You may not copy, modify, reverse engineer, decompile, or extract source code from any software unless explicitly allowed by law or authorized in writing by Options.Health.
Certain areas of the Options.Health Websites are secure and require authorization. Unauthorized access to these areas is prohibited. If you are an authorized user, you must safeguard your password and not share it with others. Options.Health may act on instructions received via your password and is not liable for unauthorized access resulting from your failure to secure it, sharing it, or breaches not directly caused by our intentional or negligent actions. Immediately update your password if you suspect a compromise and notify us of any suspicious account activity. We may restrict access to secure areas without notice if we suspect misuse or unauthorized access.
When registering for restricted sections or services, you must provide accurate and current information (e.g., identification or contact details). By submitting materials or information to the Options.Health Websites (excluding personal data covered by our Privacy Policy at www.options.health/privacy-policy), you grant Options.Health an irrevocable, worldwide, royalty-free license to use, reproduce, display, or transmit such submissions for any purpose, including compliance with legal requirements. Additionally, we may use any ideas, techniques, or concepts you submit to enhance our services without confidentiality obligations, except as outlined in our Privacy Policy, other agreements, or required by law. Note that internet submissions, such as emails, may not be secure; encrypt sensitive information before sending and consider the risk of interception.
Options.Health may impose limits on transmissions or storage related to the Websites or services at its discretion, even if no fixed limits currently exist.
The Options.Health email system is private. Sending bulk unsolicited commercial emails or messages intended to harass, defame, threaten, impersonate, or containing offensive or illegal content is prohibited. You may only access the Options.Health Websites through the provided interface unless a separate written agreement permits otherwise. Automated access (e.g., via scripts or crawlers) is strictly forbidden.
The Options.Health Websites are intended for U.S. residents only. Services, products, and software described are not meant for use or distribution outside the United States or in jurisdictions where they would violate local laws or require additional registration by Options.Health. Exporting software or materials from the Websites is subject to U.S. export controls, and you warrant compliance with all applicable laws when downloading content.
The Options.Health Websites and their content are provided “as is” for informational purposes. We strive for accuracy but make no guarantees regarding completeness, timeliness, reliability, or freedom from errors. Options.Health and its licensors disclaim all warranties, express or implied—including merchantability, fitness for a particular purpose, title, or non-infringement—to the fullest extent allowed by law. Your use is at your own risk, and we are not obligated to update content or correct inaccuracies.
We do not guarantee that the Options.Health Websites are free from errors, viruses, or harmful code. Options.Health is not liable for damages to your devices or property resulting from your access, use, or downloading of content. You are responsible for maintaining up-to-date virus protection and ensuring the security of your systems.
Links to third-party websites are provided for convenience only. Options.Health does not endorse, control, or verify these sites and is not responsible for their content, accuracy, or security. Accessing such sites is at your own risk.
Options.Health and its contributors are not liable for any direct, indirect, incidental, special, consequential, or punitive damages—including lost profits or data—arising from your use, inability to use, or access to the Options.Health Websites or their content, even if advised of potential damages.
We may alter the Options.Health Websites, their services, or these Terms and Conditions at any time without notice. Changes, including new terms or discontinuation of features, take effect upon posting. Regularly review these Terms and Conditions, as continued use signifies acceptance of updates.
These Terms and Conditions are governed by the laws of the United States and Minnesota, excluding conflict of law principles.
Options.Health may pursue all legal and equitable remedies for violations, including blocking access from specific IP addresses. If any provision is deemed invalid, it will be severed, leaving the remaining terms enforceable.
The Options.Health Websites are not intended for children under 18, and we do not knowingly collect their data. By using the Websites, you confirm you are at least 18 years old.
Revised March 18, 2025