Terms Of Service

Last Updated: September 26, 2025

These Terms of Use (the “Terms”) govern your access to and use of the services offered through Haven Health Insurance (the “Site”). Haven Health Insurance is a trade name of Horna Capital LLC, a Florida limited liability company. By using the Site—including requesting insurance quotes, submitting contact information, scheduling a call, or otherwise interacting with us—you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Site.

Throughout these Terms, “we,” “our,” and “us” refer to Horna Capital LLC, doing business as Haven Health Insurance, and its affiliates, partners, and service providers.

Our Services

Haven Health Insurance provides users the opportunity to obtain information and quotes for health insurance and related products. Once you provide certain information regarding your insurance needs, we attempt to match you with suitable offerings and may connect you with licensed insurance agents, carriers, or other service providers.

We do not guarantee that any policy for which you apply will be approved, or that any insurance carrier or provider to which we refer you will contact you. Final approval of insurance coverage is at the sole discretion of the insurance carrier and subject to their terms and conditions.

Eligibility and Access

You may use the Site only if you are a resident of the United States and at least 18 years of age. We may terminate, restrict, or suspend access to all or part of the Site at our discretion, without notice or liability.

User Data and Consent to Contact

By submitting your information through the Site, you consent to our collection and use of your information as outlined in our [Privacy Policy]. You agree that the information you provide is accurate and current.

By providing your phone number or email, you consent to receive communications from us or our partners, which may include phone calls (including via automated dialing systems), text messages, and emails. Standard message and data rates may apply. You may opt out at any time by following the instructions in our communications.

Intellectual Property

All content, trademarks, logos, and materials on the Site are the property of Horna Capital LLC (d/b/a Haven Health Insurance) or its licensors. You may not copy, reproduce, distribute, or exploit the Site or its contents for commercial purposes without our prior written consent.

Disclaimer of Warranties

The Site and its services are provided “as is” without warranties of any kind, express or implied. We disclaim all warranties including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted or error-free operation of the Site.

Limitation of Liability

To the fullest extent permitted by law, Horna Capital LLC (d/b/a Haven Health Insurance) and its officers, employees, affiliates, and partners shall not be liable for any damages (direct, indirect, incidental, consequential, special, or punitive) arising out of or in connection with your use of the Site or the services provided.

Links to Third-Party Sites

The Site may include links to third-party websites. We are not responsible for the content, accuracy, or practices of third parties. Accessing these links is at your own risk.

Arbitration Agreement

By using the Site, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association (AAA). You and Horna Capital LLC agree to waive any right to participate in a class action lawsuit.

You may opt out of arbitration by notifying us in writing within 30 days of your first use of the Site.

Governing Law

These Terms shall be governed by and construed under the laws of the State of Florida, without regard to its conflict of law rules. Any disputes that are not subject to arbitration shall be brought exclusively in state or federal courts located in Seminole County, Florida.

Updates to Terms

We reserve the right to modify or update these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Site after updates signifies your acceptance of the revised Terms.