Terms of Service
Last updated: January 2025
1. Acceptance of Terms
By accessing and using Healthplanconsults.info (the "Platform"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this Platform. Healthplanconsults reserves the right to modify these terms at any time. Continued use of the Platform following changes constitutes your acceptance of the revised terms.
This Platform is operated by Healthplanconsults, located at Mierové námestie 25, Bratislava, and is provided for informational and educational purposes only.
2. Platform Services and Content
Healthplanconsults is an informational and editorial platform that provides articles, guides, and educational content related to health plans, insurance information, and wellness topics. Our Platform features:
- Editorial articles and health plan information
- Informational guides and resource materials
- Frequently asked questions and educational content
- Links to external resources and references
The Platform does not provide professional medical advice, legal advice, or insurance products. Content is intended for educational and informational purposes only. Please review our Disclaimer page for complete information regarding content limitations.
3. User Obligations and Conduct
By using this Platform, you agree to:
- Use the Platform only for lawful purposes and in accordance with all applicable laws and regulations
- Not engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Platform
- Not post or transmit obscene, offensive, or unlawful content
- Not attempt to gain unauthorized access to the Platform or its systems
- Not harass, abuse, or harm others through your use of the Platform
- Not engage in spamming, phishing, or malicious activities
- Respect intellectual property rights and not reproduce content without authorization
Healthplanconsults reserves the right to suspend or terminate access to the Platform for users who violate these obligations.
4. Intellectual Property Rights
All content on this Platform, including articles, guides, text, graphics, logos, images, and software, is the property of Healthplanconsults or its content licensors and is protected by international copyright and intellectual property laws.
You may view and print articles for personal, non-commercial use only. You may not reproduce, distribute, transmit, modify, or create derivative works from Platform content without express written permission from Healthplanconsults, except as permitted by fair use doctrine and applicable law.
Any unauthorized use of Platform content may violate copyright, trademark, and other laws.
5. Limitation of Liability and Disclaimers
No Professional Advice: This Platform provides general informational content only. Content is not a substitute for professional medical advice, legal counsel, or insurance guidance. Always consult qualified professionals regarding your specific situation.
As-Is Basis: The Platform and all content are provided "as is" without warranties of any kind. Healthplanconsults makes no representations regarding accuracy, completeness, or reliability of any content.
Limitation of Damages: To the maximum extent permitted by law, Healthplanconsults shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform or reliance on its content.
For complete disclaimer information, please review our Disclaimer page.
6. External Links and Third-Party Content
The Platform may contain links to external websites and third-party content. Healthplanconsults does not endorse, guarantee, or assume responsibility for linked external sites or their content. Links are provided for informational convenience only.
Your use of external sites is subject to their respective terms of service and privacy policies. Healthplanconsults is not responsible for:
- The availability or accuracy of external site content
- Privacy practices of third-party websites
- Any transactions or interactions with external sites
7. User-Generated Content and Feedback
If you submit feedback, comments, or content to Healthplanconsults, you grant us a non-exclusive, royalty-free license to use, reproduce, and distribute such feedback for our editorial purposes.
You represent and warrant that any content you submit:
- Is original or properly licensed
- Does not infringe third-party intellectual property rights
- Does not contain defamatory, abusive, or unlawful material
Healthplanconsults reserves the right to decline publication of any user feedback without explanation.
8. Privacy and Data Protection
Our collection and use of personal information is governed by our Privacy Policy. By using this Platform, you consent to our privacy practices as outlined in that policy.
Please review our Privacy Policy to understand our data handling practices, cookie usage, and your rights regarding personal information.
9. Governing Law and Jurisdiction
These Terms of Service are governed by and construed in accordance with the laws of Slovakia, without regard to its conflict of law principles.
You agree that any legal action or proceeding arising from these terms or your use of the Platform shall be exclusively submitted to the courts of Slovakia. You waive any objection to venue in these courts and agree that such courts have personal jurisdiction over you.
10. Severability and Entire Agreement
If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalidity of one provision does not affect the validity of other provisions.
These Terms of Service, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Healthplanconsults regarding your use of the Platform and supersede all prior understandings and agreements.
11. Modifications and Termination
Healthplanconsults may modify these Terms of Service at any time. Changes become effective immediately upon posting to the Platform. Your continued use of the Platform following such changes constitutes your acceptance of the modified terms.
Healthplanconsults may discontinue or modify the Platform or any of its features at any time without notice or liability to you.
We reserve the right to terminate or suspend your access to the Platform for violation of these terms or applicable laws.
12. Contact Information
For questions about these Terms of Service or to send feedback regarding our editorial content:
We welcome your feedback about our articles and editorial content. Please allow reasonable time for a response to your inquiries.
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