Welcome to The Health Advocate (“we,” “our,” or “us”). By accessing or using fantasyfrontierfun.com, you (“you” or “reader”) agree to these Terms and Conditions and to our Privacy Policy. If you do not agree with them, please do not use this website.
1. Educational Purpose Only: Not Legal, Medical or Financial Advice
Not legal advice. The articles, guides, templates and sample scripts published on this website are for general educational and informational purposes only. Nothing on this website is legal advice, consumer advocacy representation or a debt settlement service. Using this website does not create an attorney-client or fiduciary relationship.
Not medical advice. Nothing published here is a medical diagnosis or a treatment recommendation. Always consult a qualified medical professional about your health. If you are having a medical emergency, call 911 immediately.
Not financial or insurance advice. We do not sell insurance and we are not licensed insurance agents, brokers or financial advisers. Check any coverage or payment decision against your own plan documents or with a licensed professional.
2. Your Responsibility and Your Own Situation
Healthcare laws, billing rules and insurance protections (including the No Surprises Act, the Affordable Care Act and state balance-billing laws) vary by state, by type of health plan (for example fully insured plans versus self-funded ERISA plans) and by care setting. You are responsible for confirming the rules that apply where you live, and for consulting a licensed attorney or an accredited patient advocate before starting a dispute or legal action.
3. Intellectual Property and Permitted Use
The articles, guides, sample scripts, tables, graphics and page designs on this website belong to us and are protected by United States and international copyright and other intellectual property laws.
- Personal use: you may view, download or print single copies of our guides and sample scripts for your own personal, non-commercial use in dealing with your own healthcare bills.
- No republication: you may not modify, republish, distribute, sell, license, scrape or systematically copy any part of our content for commercial use without our prior written consent.
4. Advertising and Commercial Disclosure
This website earns revenue from advertising, including Google AdSense, and may link to third-party products, services or tools.
- Ads are not endorsements: an advertisement appearing on this website is not our endorsement, recommendation or warranty of that product, service or provider.
- Dealing with advertisers: any transaction or communication with an advertiser you find on this website is between you and that advertiser. We are not liable for claims, losses or damages arising from your dealings with third-party advertisers.
5. Links to Government and Other External Sources
Our articles often link to government and regulatory sources (for example CMS.gov and consumerfinance.gov) and to independent price transparency resources (for example FAIR Health). We check sources when we publish, but we do not control other websites and are not responsible for their content, their accuracy or whether they remain available.
6. No Warranties
This website and everything on it are provided “as is” and “as available,” without warranties of any kind, express or implied. We work to keep our guides in line with current federal rules and official guidance, but laws and prices change, and we make no warranty that any content, form or figure is accurate, complete, current or suited to your situation.
7. Limitation of Liability
To the fullest extent permitted by law, we and our authors, editors, contributors and affiliates are not liable for any direct, indirect, incidental, consequential, punitive or special damages arising out of or connected with:
- Your use of, or inability to use, our guides, scripts or templates;
- Financial outcomes, court judgments, credit reporting or collection actions that follow a billing or insurance dispute;
- Any errors or omissions in our content.
8. Indemnification
You agree to defend, indemnify and hold harmless this website and its editors, contributors and agents against any claims, liabilities, damages, losses and legal costs arising from your breach of these Terms and Conditions or your misuse of content published on this website.
9. Changes to These Terms
We may update these Terms and Conditions at any time. Changes take effect when they are posted on this page, and the “Last updated” date above will change. Continuing to use the website after a change means you accept the updated terms.
10. Governing Law
These Terms and Conditions are governed by the laws of the United States, without regard to conflict of law principles. Any dispute arising under these terms is subject to the exclusive jurisdiction of the competent state and federal courts.
11. Contact
If you have a question about these Terms and Conditions, please write to us through our contact page.