Terms of Service
Please read these Terms carefully before using the LH Vitality website. Your use of our website constitutes your agreement to these Terms.
When you use our website, you agree to follow these Terms. If you do not agree with these Terms, please do not use our website.
1. Words We Use
These words have special meanings in these Terms:
2. Who Can Use the Website
• You must be at least 18 years old to use the Website.
• You agree to follow these Terms and all laws that apply to you.
• If you do not agree with these Terms, do not use the Website.
3. Privacy
We may collect and use information about you when you use the Website. Please read our Privacy Policy to learn what we collect and how we use it. If there is a conflict between these Terms and the Privacy Policy, these Terms control for Website use rules.
4. Links to Other Websites
The Website may link to other websites or services that we do not own. We do not control those sites. We are not responsible for what they do, what they show, or how they handle privacy. If you click a link, please read that website's terms and privacy policy.
5. Important Notes About Information and Insurance
• The Website is for general information. It is not legal, tax, or medical advice.
• Insurance quotes, prices, and approvals are decided by the insurance company (the carrier), not by LH Vitality.
• Coverage is not guaranteed. A carrier may deny an application or change rates after it reviews your application.
• Always read your policy and disclosures. If something in a policy is different from what you read on the Website, the policy controls.
6. Ending or Stopping Access
We may stop or limit your access to the Website at any time if you break these Terms or for any other reason. If we end your access, you must stop using the Website.
7. Limits on Our Responsibility
We work hard to keep the Website helpful and safe, but problems can happen. To the maximum extent allowed by law:
• We are not responsible for indirect, special, or accidental damages (for example, lost profits, lost data, or business interruption).
• If we are found responsible for a claim, the most we may have to pay is (a) the amount you paid us through the Website, or (b) $100 if you did not pay anything, whichever is greater.
• Some states do not allow certain limits. If your state does not allow a limit, the limit will apply as much as the law allows.
8. "As Is" Website
We provide the Website "as is" and "as available." This means:
• We do not promise the Website will always work, be error-free, or be available all the time.
• We do not promise that information on the Website is always complete, correct, or up to date.
• We do not promise the Website is free of viruses or other harmful code.
9. Law and Disputes
These rules apply if there is a legal problem:
• California law applies to these Terms and to your use of the Website.
• If you have a problem with the Website, you agree to contact us first so we can try to fix it informally.
• If you live in the European Union, you may have extra rights under the laws where you live.
• You promise you are not using the Website from a country the United States blocks, and you are not on a U.S. government banned or restricted list.
10. Other Legal Details
• If a court says one part of these Terms is not valid, the rest still applies.
• If we do not enforce a rule one time, we can still enforce it later.
• If we provide these Terms in another language, the English version controls if there is a conflict.
11. Changes to These Terms
We may update these Terms from time to time. If we make a big change, we may give notice. When you keep using the Website after an update, you agree to the updated Terms. If you do not agree, stop using the Website.
12. Contact Us
If you have questions, contact us:
13. Text Message (SMS) Terms
SMS Terms & Conditions
If you choose to get text messages from LH Vitality, you agree to these SMS terms:
• Message frequency may vary. Message and data rates may apply.
• To stop texts: reply STOP. After you reply STOP, you will not get more texts from us.
• To get help: reply HELP. You can also email us at [email protected] or call 213-516-9945.
• We do not sell your mobile number to third parties. Read our Privacy Policy for more details.
• Text messages may include appointment reminders, updates, and promotional offers.
• Your mobile carrier may charge you for texts or data. Check your plan for details.
• We may change or end our SMS program at any time. We will post updated terms when we do.
• By giving your number and opting in, you agree to receive texts from us. Your consent is not a condition of purchase.