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Jaydin Cowans, youngest, brightest health insurance advisor makes looking for health insurance easier than ever before. compares prices between BlueCross, UnitedHealth Care, Aetna, Cigna, and more to find the best prices and coverage possible.
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Cowans
Health Insurance
Advisory
Terms of Service and a Privacy Policy
Effective Date: 06/05/2025
Last Updated: 06/05/2025
Welcome to JTC Insurance Solutions LLC ("we," "us," or "our"). These Terms of Service ("Terms") govern your use of our website [https://www.jtcinsurancesolutions.net/] and the services we provide (collectively, the “Services”), including the generation of health insurance quotes.
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
1. Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement to use our Services.
2. Services Provided
We provide tools to generate health insurance quotes based on user-submitted information. We are not an insurance company. We may present quotes from licensed insurance providers or brokers.
3. No Guarantee of Coverage or Pricing
All insurance quotes provided are estimates only and are subject to change by the actual insurance providers. Final rates and coverage may vary based on underwriting, additional information, or legal requirements.
4. Use of Your Information
By submitting your information, you consent to our use and sharing of that data in accordance with our Privacy Policy. We may share your information with third-party insurance carriers or licensed agents to provide quotes or follow up with you.
5. User Responsibilities
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Provide accurate and complete information
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Do not use the site for unlawful purposes
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Do not attempt to reverse-engineer or tamper with our systems
6. Intellectual Property
All content on the site—including text, software, and design—is the property of [cowanshealthinsurance@gmail.com] or its licensors. Unauthorized use is strictly prohibited.
7. Limitation of Liability
We are not liable for any damages or losses resulting from:
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Errors or inaccuracies in quotes
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Service interruptions
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Actions or omissions of third-party insurance providers
8. Disclaimer
We do not provide medical or legal advice. All information is provided "as-is" without warranties of any kind.
9. Termination
We reserve the right to terminate or restrict access to our Services at any time, without notice, for conduct that violates these Terms or is otherwise harmful to our interests.
10. Governing Law
These Terms are governed by the laws of the State of [YourState], without regard to conflict of law principles.
✅ Privacy Policy
Effective Date: 06/05/2025
Last Updated: 06/05/2025
This Privacy Policy explains how [https://www.jtcinsurancesolutions.net/] collects, uses, discloses, and protects your information when you use our website [https://www.jtcinsurancesolutions.net/].
1. Information We Collect
We may collect:
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Personal Information: Name, email, phone number, date of birth, zip code, household income, tobacco use, etc.
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Health-Related Information: As needed to generate quotes
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Device/Usage Data: IP address, browser type, and usage analytics
2. How We Use Your Information
We use your data to:
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Generate personalized health insurance quotes
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Connect you with licensed insurance agents or carriers
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Improve our Services
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Send you relevant updates or promotional offers (you may opt out)
3. How We Share Your Information
We may share your information with:
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Licensed insurance brokers, agents, and carriers
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Service providers who help us operate the site (e.g., hosting, analytics)
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Government authorities or law enforcement when required by law
4. Your Rights and Choices
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Opt-Out: You can opt out of marketing emails at any time
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Access & Update: You may request to access or update your data by contacting us
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Delete Data: You may request the deletion of your personal information
5. Data Security
We implement technical, administrative, and physical safeguards to protect your data. However, no method of transmission over the internet is 100% secure.
6. Third-Party Links
Our site may include links to external sites. We are not responsible for their privacy practices.
7. Children’s Privacy
Our Services are not intended for children under the age of 13, and we do not knowingly collect data from them.
8. Changes to This Policy
We may update this policy periodically. Continued use of the Services after changes constitutes your acceptance.
9. Contact Us
For questions or data requests, contact: cowanshealthinsurance@gmail.com
Email: [cowanshealthinsurance@gmail.com]