WINhealth Partners Legal and Licensing

Welcome to winhealthplans.com (the "Web Site"), a web site where consumers and small businesses can research and shop for various insurance products. The Web Site is owned and operated by WINhealth Partners (hereinafter, the "Company" or "WINhealth"), a licensed insurance agency (see Licensing, below). The Company provides its services to you subject to the following conditions. If you visit or shop at this Web Site, you accept these conditions.  Please read them carefully.

Use Limitation

This Web Site is for the use of consumers and small businesses who are researching and shopping for insurance products. You are not permitted to use this Web Site or its contents for any commercial or non-personal purpose (direct or indirect). The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing this Web Site.

Your Account

If you use this Web Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Further, by using this Web Site, you warrant that you are at least 18 years of age and possess the legal authority to use this Web Site. The Company does not sell products to minors, but it sells them to adults. If you are purchasing a product on behalf of a minor, you agree to supervise all usage of this Web Site by minors under your name or account. The Company reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.

Disclaimer of Warranties and Limited Liability

THIS WEB SITE IS PROVIDED BY THE COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEB SITES ARE PROVIDED AS A COURTESY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY THE COMPANY OF THE LINKED MATERIALS.TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM THE COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF THE COMPANY IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Applicable Law

By visiting this Web Site, you agree that the laws of the State of Wyoming, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that may arise between you and the Company.

Existing Insurance Coverage

DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

Payment Policy

Accepted Methods of Payment

  • Credit Card (Visa, Master Card, American Express, Discover and prepaid debit cards)
  • Check/Money Order
  • Cash On Delivery
  • ACH

 

Credit Card Refund Policy

Subject to the conditions described below, when a customer makes a credit card payment on a policy and that policy either cancels leaving unearned premium, or we owe the customer a return of premium because of a coverage reduction or overpayment, we will issue a credit to the customer.

A credit will be issued to the customer within 30 days of the date we become aware of the refund or within 30 days of the date the customer requests the refund, whichever is sooner.

Questions? Please contact us at 307-773-1300
 

Privacy Policy

This policy covers how we use your personal information. We take your privacy SERIOUSLY and will take all measures to protect your personal information.
 

What Information Do We Collect?

We only collect information that we need that is related to your order. This includes your:

  • Billing Address
  • Email Address
  • Credit Card Information (Credit card number, expiration date, and security code)
  • Name on the Credit Card
  • Name of the Person the Credit Card Payment is for

In addition we also collect information on your general city, browser type, and how much time you were on our site. We use this data to prevent hacking attempts, help us know what web browsers people are using, and find out where our visitors are coming from so that we can improve our marketing.

 

How Is My Information Used?


Your personal information is only used to fill your order. We do not sell or redistribute your information to ANYONE.

Security and Storage


Only your order data, billing, shipping, and order contents data is stored on our server. This information is encrypted using a Secure Sockets Layer before it is transmitted over a web server. We do not store your Credit Card data.

Our website contains links to other websites. Please note that when you click on one of these links you are "clicking" to another website.  WINhealth is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.

Trade Name

WINhealth is a registered trade name of the Company through the Wyoming Secretary of State.  The Company's trade name may not be used in connection with any product or service that is not the Company's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits the Company. All trademarks not owned by the Company that appear on this Web Site are the property of their respective owners.

Copyrights

All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of the Company and protected by United States and international copyright laws. All software used on this site is the property of the Company or its software suppliers and protected by United States and international copyright laws.

Delivery of Insurance

The date that you sign up for insurance determines when you are eligible for coverage from WINhealth.  If you sign up between the 1st through the 15th day of the current month, your policy will go into effect on the first day of the following month assuming your payment is received by WINhealth by the end of the current month.  If you sign up between the 16th through the last day of the current month, your policy will go into effect two months from the current month on the first day of that month assuming your payment is received by WINhealth by the end of the following month.

 

Please see the following examples: 

  • Sign up for insurance on June 3rd – policy goes into effect on July 1st as long as WINhealth receives payment by June 30th
  • Sign up for insurance on June 20th – policy goes into effect on August 1st as long as WINhealth receives payment by July 31st

Please Note:  Your eligibility is DEPENDENT on payment to WINhealth.  Credit Card or Debit Card payment can take up to 3 days for processing.