Health & Medical Disclaimer

1. Not Medical Advice

The Content provided by Harbor Group USA is not medical advice and is not intended to be used as a substitute for professional medical advice, diagnosis, treatment, or care.

Nothing contained in our Content should be interpreted as:

• A medical diagnosis;
• A medical recommendation;
• A treatment recommendation;
• A prescription or medication recommendation;
• A clinical opinion;
• A healthcare provider relationship;
• A recommendation to begin, discontinue, or modify treatment; or
• Professional medical or healthcare advice.

You should not rely on the Content as a substitute for consultation with a qualified healthcare professional.

2. Consult a Healthcare Professional

You should consult an appropriately licensed physician, healthcare provider, pharmacist, or other qualified healthcare professional regarding any:

• Medical condition;
• Symptoms;
• Diagnosis;
• Treatment;
• Medication;
• Procedure;
• Healthcare decision; or
• Other health-related concern.

Do not delay seeking medical attention or disregard professional medical advice because of information obtained from Harbor Group USA.

Harbor Group USA does not provide medical diagnosis, treatment, or emergency medical services.

3. No Doctor-Patient Relationship

Your use of the Harbor Group USA website, forms, communications, health-related information, or other Content does not create a doctor-patient, patient-provider, fiduciary, or other healthcare professional relationship between you and Harbor Group USA.

Communications with Harbor Group USA regarding health plans or healthcare coverage do not establish a medical relationship.

4. Health Plan Information Is Not Medical Advice

Harbor Group USA may provide information concerning:

• Health plans;
• Healthcare coverage;
• Benefits;
• Provider networks;
• Eligibility;
• Enrollment;
• Costs;
• Coverage options; and
• Related healthcare services.

Such information concerns health-plan and coverage matters, not medical diagnosis or treatment.

Information regarding a health plan, benefit, provider network, or covered service should not be interpreted as a recommendation regarding what medical care, treatment, medication, procedure, or healthcare provider you should choose.

Questions regarding your medical care should be directed to an appropriately qualified healthcare professional.

5. No Guarantee of Health Plan Coverage

Information presented on the website or through Harbor Group USA communications does not constitute a guarantee that a particular individual will:

• Qualify for a health plan;
• Be approved for enrollment;
• Receive coverage;
• Receive a particular benefit;
• Have a particular provider included in a network;
• Receive a particular price or rate; or
• Receive reimbursement for a particular healthcare service.

Eligibility, benefits, exclusions, limitations, costs, networks, coverage requirements, and other terms are subject to the applicable plan documents, agreements, carrier or plan administrator requirements, and applicable law.

The applicable official plan documents control in the event of any conflict.

6. Information May Change

Health-plan information, healthcare information, regulations, benefits, provider networks, costs, eligibility requirements, and other information may change over time.

Although Harbor Group USA seeks to provide useful and accurate information, we do not guarantee that all Content is:

• Accurate;
• Complete;
• Current;
• Error-free;
• Applicable to your individual circumstances; or
• Available at all times.

You should verify important information with the applicable health-plan provider, carrier, plan administrator, healthcare professional, or other appropriate source.

7. No Guarantee of Results

Harbor Group USA does not guarantee any particular:

• Health outcome;
• Medical outcome;
• Healthcare outcome;
• Coverage outcome;
• Enrollment outcome;
• Savings;
• Financial result; or
• Other result

from using information provided through our website or communications. Individual circumstances vary, and results may differ.

Any examples, illustrations, testimonials, statements regarding potential savings, or descriptions of possible outcomes are not guarantees of future results.

8. Third-Party Healthcare Providers and Organizations

Our website or communications may reference or provide links to third-party:

• Healthcare providers;
• Physicians;
• Medical facilities;
• Pharmacies;
• Health-plan providers;
• Health plan carriers;
• Plan administrators;
• Healthcare organizations; or
• Other third-party services.

Harbor Group USA does not necessarily endorse, control, or guarantee the services, qualifications, advice, treatment, performance, availability, or outcomes of any third party.

Any relationship you establish with a third-party healthcare provider or organization is between you and that third party. You are responsible for independently evaluating any healthcare provider, facility, plan, or service before using it.

9. Third-Party Content and Links

Our website may contain information, advertisements, links, references, or other materials provided by third parties. Harbor Group USA does not guarantee the accuracy, completeness, reliability, or suitability of third-party health or medical information.

A link or reference to a third-party website or service does not necessarily constitute an endorsement, recommendation, or guarantee by Harbor Group USA. Third-party websites and services may have their own terms, privacy policies, disclaimers, and practices.

10. User-Submitted Health Information

Harbor Group USA may provide online forms or other mechanisms for users to submit information.

Unless a particular form or secure system expressly states otherwise, do not submit medical records, diagnoses, prescriptions, Social Security numbers, financial information, or other highly sensitive personal or health information through ordinary website forms, SMS messages, email, or other unsecured communications.

If sensitive information is required for a specific enrollment or service process, Harbor Group USA will provide an appropriate method for submitting such information.

11. Emergency Situations

The Harbor Group USA website, SMS services, email communications, and other digital platforms are not intended for medical emergencies.

If you believe you are experiencing a medical emergency, immediately contact your local emergency services or seek emergency medical attention.

Do not use the Harbor Group USA website, SMS program, email, or other digital communications as a substitute for emergency medical assistance.

12. Medications and Treatments

Harbor Group USA does not recommend, prescribe, administer, or supervise medications, treatments, procedures, therapies, supplements, or other medical interventions through its website or communications.

You should not start, stop, modify, or otherwise change any medication, treatment, therapy, or medical care based solely on information obtained from Harbor Group USA. Always consult your healthcare provider before making decisions concerning your medical care.

13. Health-Related Educational Content

Any health-related educational material provided by Harbor Group USA is intended solely for general informational purposes. Educational information may not apply to your specific circumstances and should not be interpreted as personalized medical advice.

Health information may also become outdated as medical research, clinical practices, regulations, and recommendations change.

14. No Reliance

Your use of and reliance upon health-related Content provided by Harbor Group USA is voluntary.

To the maximum extent permitted by applicable law, Harbor Group USA is not responsible for decisions made or actions taken based solely or primarily upon general health-related information provided through our website or communications. Nothing in this Disclaimer excludes or limits liability that cannot legally be excluded or limited.

15. Advertising and Marketing Claims

Any statements concerning health plans, healthcare coverage, benefits, savings, services, or potential outcomes contained in advertisements or marketing materials are provided subject to the applicable terms, eligibility requirements, plan documents, agreements, and applicable law.

Marketing materials should not be interpreted as personalized medical advice or as a guarantee of healthcare outcomes.

16. Professional Licensing and Advice

Harbor Group USA does not represent that every individual involved in website operations, marketing, customer support, or business development is a licensed healthcare professional.

You should not assume that an employee, representative, broker, agent, contractor, or other person communicating with you is providing medical advice merely because the communication concerns health plans, healthcare coverage, or health-related subjects.

Where professional licensing is required for a particular activity, such activity will be subject to the applicable licensing and regulatory requirements.

17. Limitation of Liability

To the maximum extent permitted by applicable law, Harbor Group USA and its officers, directors, employees, agents, representatives, affiliates, contractors, and service providers will not be responsible for losses, damages, injuries, or adverse outcomes resulting from reliance upon general health-related information provided through the website or communications.

This includes, to the extent permitted by law, indirect, incidental, consequential, special, exemplary, or punitive damages. Nothing in this section excludes or limits liability that cannot legally be excluded or limited.

18. No Waiver of Legal Rights

Nothing in this Health & Medical Disclaimer is intended to:

• Waive a statutory right;
• Eliminate a legal protection;
• Replace applicable healthcare regulations;
• Modify the terms of an applicable health plan;
• Replace official plan documents; or
• Exclude liability that cannot legally be excluded.

If any provision of this Disclaimer conflicts with a mandatory requirement of applicable law, the applicable law will control to the extent of the conflict.

19. Changes to This Disclaimer

Harbor Group USA may update this Health & Medical Disclaimer from time to time to reflect changes in:

• Business practices;
• Website Content;
• Healthcare information;
• Health-plan services;
• Legal requirements;
• Regulatory requirements; or
• Operational practices.

The updated version will be posted on the website with a revised "Last Updated" date.

20. Contact Us

If you have questions regarding this Health & Medical Disclaimer, please contact: