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Terms of Service

Effective Date: October 20, 2026

1. Acceptance of Terms

These Terms of Service (“Terms”) apply to Health Quiver’s website, phone line, and text messages (together, the “Service”). By using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

We may update these Terms at any time. The “Effective Date” above will always show the latest version. Continued use of the Service after updates means you accept the new Terms.

2. What Health Quiver Does

  • Health Quiver is free. We never charge you for screening, preparing, or sending your application.
  • We help you check which benefit programs you may qualify for, prepare your application from your answers, and, once you review and sign it, send it to the state agency for you.
  • You are the applicant. You are responsible for making sure your answers are true and complete; please review your application before you sign. Signing electronically means you are signing the application yourself.
  • The state agency decides whether you qualify and for how much. Our screening is an estimate, not a decision, and we can’t guarantee approval or any benefit amount.
  • We don’t give medical, legal, or financial advice, and we don’t give advice about Medicare health or drug plans. For plan questions contact 1-800-MEDICARE or SHIBA (Washington’s free Medicare counseling).

3. Permitted Use

You may use the Service for personal, non-commercial purposes. You may use the Service for yourself or, with their permission, to help a family member or someone you care for. You agree not to:

  • Misuse or interfere with the Service.
  • Attempt to access systems or data without authorization.
  • Use the Service for unlawful purposes.

4. Intellectual Property

  • All content on our website (text, images, graphics, logos, and design) is the property of Health Quiver or its licensors.
  • You may view and download content for personal use only.
  • You may not copy, modify, distribute, or use our content for commercial purposes without permission.

5. Third-Party Links

Our website may include links to third-party websites. We are not responsible for:

  • The content of those sites.
  • Their privacy practices.
  • Any losses or damages that result from using them.

6. Disclaimers

  • We work hard to prepare accurate applications, but eligibility rules change and the state makes the final decision.
  • The Service is provided on an “as-is” and “as-available” basis.
  • We do not guarantee that the Service will be error-free or uninterrupted.
  • We make no warranties about the accuracy, reliability, or completeness of the content.
  • Nothing in these Terms limits any right you have under Washington law, including the Consumer Protection Act, that can’t be limited by contract.

7. Limitation of Liability

To the fullest extent permitted by law, and except where Washington law does not allow it:

  • Health Quiver is not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Service.
  • This includes damages related to reliance on information, loss of data, or service interruptions.

8. Governing Law

These Terms are governed by the laws of the State of Washington, without regard to conflict of law principles. You agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in King County, Washington. This section does not waive any right you have under the Washington Consumer Protection Act (RCW 19.86).

9. Text Messages

Health Quiver sends text messages only to people who ask for them, on a call with us or by checking a box on our website. Messages are about your benefits application: secure links, document and interview reminders, and status updates. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Consent to receive texts is not a condition of using Health Quiver. Carriers are not liable for delayed or undelivered messages.

10. Calls

Our phone line uses an AI voice and calls are recorded and transcribed. We tell you this at the start of every call. We only call you if you asked us to. Say “stop calling” at any time and we will stop.

11. Termination

We may suspend or terminate your access to the Service at any time, without notice, if you violate these Terms.

12. Contact Us

If you have questions about these Terms, contact us at:

Email: compliance@healthquiver.com

Phone: (888) 306-5764