Terms of Use

1. Acceptance of Terms

By accessing or using HealthInsuranceCalculators.com ("the Website"), you agree to be bound by these Terms of Use. If you disagree with any part, please do not use our services.

2. Important Disclaimer - Not Insurance Advice

3. No Warranty

The website and all content are provided "as is" without any warranties, express or implied. We do not guarantee:

• Accuracy of calculations
• Uninterrupted access to the website
• That estimates match actual insurance premiums
• That the website is free from errors or viruses

4. Limitation of Liability

To the maximum extent permitted by law, HealthInsuranceCalculators.com and its operators shall not be liable for any:

• Direct or indirect damages
• Loss of profits or data
• Decisions made based on calculator estimates
• Insurance purchases or rejections influenced by our tools

5. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of HealthInsuranceCalculators.com and protected by copyright laws. You may not reproduce, distribute, or modify our content without written permission.

6. User Conduct

You agree not to:

• Use automated systems (bots, scrapers) to access the website
• Attempt to disrupt or overload our servers
• Use the website for any illegal purpose
• Misrepresent the accuracy of our tools

7. Third-Party Links

Our website may link to external sites. We are not responsible for their content or practices. Your use of third-party sites is at your own risk.

8. Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of the website without notice. We are not liable for any such changes.

9. Governing Law

These Terms shall be governed by the laws of the United Arab Emirates, without regard to its conflict of law provisions.

10. Contact Information

For questions about these Terms:

Email: legal@healthinsurancecalculators.com