Terms of Service
Clover Health Advisors DBA United Health Insurance Agency — Effective Date: January 1, 2026
1. SMS Messaging Terms & Compliance
Program Description: This messaging program sends appointment confirmation and reminder messages to customers who have booked an appointment with Clover Health Advisors DBA United Health Insurance Agency through our website at cloverhealthadvisors.org, or via our scheduling forms, and have explicitly opted in to receive SMS notifications. Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Messages include scheduling confirmations, appointment reminders, rescheduling updates, and customer support communications. Cancellation Instructions: You can cancel the SMS service at any time. Simply text "STOP" to the same number that sent you messages. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you. Support Information: If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or reach out directly to support@uhiabenefits.com or call (855) 674-8343 during business hours. Carrier Liability: Carriers are not liable for delayed or undelivered messages. Message & Data Rates: Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage and appointment schedule. For questions about your text plan or data plan, contact your wireless provider. Supported Carriers: Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers. Age Restriction: You must be 18 years or older to participate in our SMS program. Privacy Policy: For privacy-related inquiries, please refer to our Privacy Policy at cloverhealthadvisors.org/privacy-policy. We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines, regarding the use of SMS communications.
2. General Terms
This website (the "Site") is owned and operated by Clover Health Advisors DBA United Health Insurance Agency ("COMPANY," "we" or "us"). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Clover Health Advisors DBA United Health Insurance Agency. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service. We reserve the right to change these Terms of Service or to impose new conditions on the use of the Site from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.
3. Intellectual Property Rights
Our Limited License to You: This Site and all the materials available on the Site are the property of Clover Health Advisors DBA United Health Insurance Agency and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal non-commercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us. Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium any material from the Site. However, you may download and/or print one copy of individual pages for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices. Your License to Us: By posting or submitting any material (including comments, blog entries, social media posts, photos, and videos) to us via the Site, internet groups, or other digital venues, you represent that you own the material or have obtained the necessary permissions. You grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, sell, exploit, create derivative works from, distribute, and publicly perform or display such material.
4. Disclaimers
Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites or the information, products, or services offered on or through the sites. The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose. You agree at all times to indemnify and hold harmless Clover Health Advisors DBA United Health Insurance Agency, its affiliates, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses arising out of or related to your breach of any obligation, warranty, or representation under these Terms of Service.
5. Online Commerce
Certain sections of the Site may allow you to purchase products and services from third-party vendors. We are not responsible for the quality, accuracy, timeliness, reliability, or any other aspect of these products and services. If you make a purchase from a third party linked through the Site, the information obtained during your visit, including payment information, may be collected by both the merchant and us. Your participation in any dealings with third-party vendors is solely between you and the third party. Clover Health Advisors DBA United Health Insurance Agency shall not be responsible for any loss or damage incurred as a result of such dealings.
6. Registration & Passwords
To access certain features of the Site, you may be required to register and create an account. You agree to provide accurate, current, and complete information during the registration process. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account. If you suspect unauthorized use of your account, notify us immediately at support@uhiabenefits.com. We are not liable for any loss or damage arising from your failure to comply with this obligation.
7. Termination
We reserve the right to terminate or suspend your access to the Site, without notice, if we determine that you have violated these Terms of Service or engaged in conduct that we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it.
8. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the state in which Clover Health Advisors DBA United Health Insurance Agency operates. Any dispute arising under these Terms shall be resolved exclusively through binding arbitration in that jurisdiction.
9. SMS Communications
By providing your mobile phone number and opting in, you agree to receive SMS messages from Clover Health Advisors DBA United Health Insurance Agency. These messages may include transactional, informational, and service-related communications such as appointment reminders, confirmations, relevant follow-up messages, and support related communications related to your engagement with our services. Marketing or promotional messages will only be sent where you have explicitly consented. Message frequency may vary based on your interactions with our services. Message and data rates may apply depending on your mobile carrier and plan. Instructions to opt out: You may opt out of receiving SMS messages at any time by replying STOP to any message. You may request additional information by replying HELP or by contacting us at support@uhiabenefits.com. Opting out of SMS messages does not affect other forms of communication unless separately requested. Mobile carriers are not liable for delayed or undelivered messages. Clover Health Advisors DBA United Health Insurance Agency is not responsible for message delivery failures caused by carrier restrictions, network issues, or user device limitations. Standard messaging and data rates charged by your mobile carrier may apply to all SMS messages sent and received. Carrier Disclaimer: Mobile carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your mobile carrier.
10. Age Restriction
Our Services, including SMS communications, are intended for individuals 18 years of age or older. We do not knowingly collect personal information from individuals under 18. If we become aware that a minor has provided personal information, we will take steps to delete such information promptly.
11. Changes to These Terms of Service
We may update these Terms of Service from time to time. The latest version will always be available on our website with the effective date.
12. Contact Us
For any questions regarding these Terms of Service, please contact us at: Clover Health Advisors DBA United Health Insurance Agency Phone: (855) 674-8343 Email: support@uhiabenefits.com Website: cloverhealthadvisors.org By using our website and services, you consent to these Terms of Service.