Terms of Use and DMCA Notice

Effective Date: December 28, 2023

Welcome to Low-Cost Health Coverage. These Terms of Use explain how you may access and interact with our website and services. By visiting or using lowcosthealthcoverage.com, you agree to these terms. If you don’t agree, please don’t use our website.

We believe in being transparent, respectful of your rights, and committed to delivering trustworthy services. This policy also includes details about how we protect intellectual property through our DMCA process.

I. Who We Are

This website is owned and operated by Scott Zimmerman, doing business as Low-Cost Health Coverage (LCHC). Any time you see terms like “we,” “our,” or “this website,” they refer to LCHC and this website, lowcosthealthcoverage.com.

II. What You’re Allowed to Do

You are welcome to use this website to learn about our services, request quotes, and explore insurance options for yourself or your family. You may not use this site for any illegal or unauthorized purpose.

You agree not to access this website using automated systems like bots or scraping tools, and you must follow any guidelines set out in our site’s robots.txt file. You are not permitted to reproduce, sell, or distribute any content found here without written permission.

III. Changes to These Terms

We may update these Terms of Use as needed. If we make any major changes, we’ll post the updated version here. Continuing to use our site after changes are posted means you accept those changes.

IV. User Posts and Public Comments

If we allow blog comments, forums, or other public posts, please know that anything you post will be visible to others and is not considered private. We reserve the right to remove comments that are offensive, defamatory, spammy, or violate anyone’s rights. You’re responsible for anything you post, and we are not liable for content submitted by other users.

V. Responsibility for Third-Party Content

Under Section 230 of the Communications Decency Act, we are not responsible for what others post on our site. We do not verify or endorse third-party comments, and we are not liable for their accuracy or legality.

VI. Monitoring Use

We may monitor usage of our website to improve security, performance, and user experience. This may include tracking interactions or reviewing logs, in line with our Privacy Policy.

VII. Separate Agreements

Some services or features may require you to agree to separate terms, such as service agreements or user agreements. In those cases, the separate terms will apply in addition to this general Terms of Use policy.

VIII. Intellectual Property and Ownership

All website content, including text, images, graphics, and design, is owned by us or used with permission. You may not copy, distribute, or use any content from this site without our written consent, unless clearly stated otherwise.

IX. Copyright Protection and DMCA Policy

We respect intellectual property and respond to claims of copyright infringement under the

Digital Millennium Copyright Act (DMCA).

If you believe your copyrighted work has been used without your permission on our website, please contact us with the following:

• A description of the copyrighted work.

• The location (URL) of the infringing content.

• Your contact information.

• A statement that you believe in good faith the use is unauthorized.

• A statement, under penalty of perjury, that your notice is accurate and you’re authorized to act.

• Your signature (physical or electronic).

Send DMCA notices to:

Scott Zimmerman

25060 Avenue Stanford, Suite 100

Valencia, CA 91355

[email protected]
Phone: 406-404-6065

If we verify an infringement, we will remove or disable the content and notify the party responsible.

X. Disclaimers

We do our best to offer reliable services and accurate information, but we make no guarantees. All content, services, and products are offered “as is” and “as available.” We do not guarantee the site will be error-free, uninterrupted, or free from harmful elements like viruses.

XI. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any damages resulting from your use, or inability to use, our site or services. This includes direct, indirect, incidental, special, or consequential damages such as loss of profits, data, or business.

XII. Linking to Our Website

You may link to our homepage as long as your link is respectful and does not misrepresent our services. You may not use our name, logo, or branding without permission.

XIII. Links to Other Sites

We sometimes link to other websites for your convenience. These sites have their own privacy policies and terms. We do not control or endorse their content and are not responsible for their practices.

XIV. Advertisers and Promotions

If you interact with advertisers or promotional partners on our site, your relationship is solely with them. We are not responsible for any issues that arise from those interactions.

XV. California Consumer Rights

If you live in California, you have the right to request information about the personal data we’ve shared with third parties for direct marketing. You may also submit complaints to:

Scott Zimmerman
25060 Avenue Stanford, Suite 100
Valencia, CA 91355

[email protected]
Phone: 406-404-6065

You can also contact the California Department of Consumer Affairs at:

1020 N. Street, #501, Sacramento, CA 95814
Phone: 1-916-445-1254

XVI. Dispute Resolution and Arbitration

If there’s a dispute that can’t be resolved informally, it will be settled through binding arbitration under the rules of the American Arbitration Association. The arbitration will take place in Valencia, California and will be conducted by one mutually agreed arbitrator. All decisions are final and enforceable.

XVII. Legal Jurisdiction

If legal action is needed, you agree that it will take place in courts located in Los Angeles County, California. These terms are governed by California law.

XVIII. Severability

If one part of these terms is found to be invalid or unenforceable, the rest of the terms will still apply.

XIX. Force Majeure

We are not responsible for delays or failures caused by events beyond our control. This includes natural disasters, internet outages, strikes, or government restrictions.