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Healthcare Insurance Plans for Healthy People

Terms of Use


Rev 11012023



By accessing or using the hi4hp.com website or any applications (including mobile applications) (the “site) made available by hi4hp.com or Shane Lackey, however, accessed you agree to be bound by these Terms of Use.  These Terms of Use affect your legal rights and obligations. If you do not agree to be bound by all these Terms of Use, do not access or use the hi4hp.com website or applications.

Website User Agreement

The hi4hp.com site is online customer service and corporate information service provided by HI4HP, LLC and Shane Lackey, subject to your compliance with the terms and conditions set forth below.

HI4HP, LLC may modify this agreement at any time. Such modifications shall be effective immediately upon posting of the modified agreement on the site. You agree to review the agreement periodically to be aware of such modifications. Your continued access or use of the site shall be deemed your conclusive acceptance of the modified agreement.

  1. Copyright, Licenses, and Idea Submissions

International copyright and trademark laws protect the entire contents of the site. The owners of the copyrights and trademarks are HI4HP, LLC, its affiliates, or other third-party licensors.

You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute in any manner the material on the site, including text, graphics, code, and/or software.

You may print and download portions of material from the different areas of the site solely for your own noncommercial use, provided that you agree not to change or delete any copyright or proprietary notices from the materials. You agree to grant to HI4HP, LLC a non-exclusive, royalty-free, worldwide, perpetual license with the right to sub-license, reproduce, transmit, create derivative works, publicly display, and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products or services) you  provide to HI4HP, LLC by all means and, in any media, now known or hereafter developed. You also grant HI4HP, LLC the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing, and promotional materials related thereto. You agree that you shall have no recourse against HI4HP, LLC or Shane Lackey for any alleged or actual infringement or misappropriation of any proprietary right in your communications to HI4HP, LLC or Shane Lackey. If you believe that content appearing on the hi4hp.com site constitutes copyright infringement of another party’s rights, please contact by mail at:


28 S Pego Way
Hot Springs Village, AR 71909



HI4HP, LLC, and/or any other names of HI4HP, LLC or its publications, products, content, or services referenced herein or on the site are the exclusive trademarks or service marks of HI4HP, LLC. Other products and company names mentioned in the site may be the trademarks of their respective owners.

  1. Use of the Site

You understand that, except for information, products, or services clearly identified as being supplied by HI4HP, LLC, HI4HP, LLC does not operate, control, or endorse any information, products, or services on the internet in any way. Except for HI4HP, LLC-identified information, products, or services, all information, products, and services offered through the site or on the internet generally are offered by third parties not affiliated with HI4HP, LLC. You also understand that HI4HP, LLC cannot and does not guarantee or warrant that files available for downloading through the site will be free of infection or viruses, worms, Trojan horses, or other code that manifests contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your requirements for accuracy of data input and output for maintaining a means external to the site for the reconstruction of any lost data.

You assume total responsibility and risk for your use of the site and the internet. HI4HP, LLC provides the site and related information “as is” and does not make any express or implied warranties, representations, or endorsements whatsoever (including without limitation warranties of title or non-infringement or the implied warranties of merchantability or fitness for a particular purpose) regarding the service, any merchandise, information, or service provided through the site or on the internet generally. HI4HP, LLC shall not be liable for any cost or damage arising either directly or indirectly from any such transaction. It is solely your responsibility to evaluate the accuracy, completeness, and usefulness of all opinions, advice, services, merchandise, and other information provided through the site or on the internet generally. HI4HP, LLC does not warrant that the service will be uninterrupted or error-free or that defects in the service will be corrected. You understand further that the internet contains unedited materials, some of which are sexually explicit or may be offensive to you. You access such materials at your risk. HI4HP, LLC has no control over and accepts no responsibility whatsoever for such materials.

Limitation of Liability

In no event will HI4HP, LLC be liable for (1) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the site, or any information or transactions provided on the site or downloaded from the site, or any delay of such information or service. Even if HI4HP, LLC or its authorized representatives have been advised of the possibility of such damages, or (2) any claim attributable to errors, omissions, or other inaccuracies on the site and/or materials or information downloaded through the site because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such states, HI4HP, LLC’s liability is limited to the greatest extent permitted by law.

HI4HP, LLC makes no representation whatsoever about any other website that you may access through this one or that may link to this site. When you access a non-HI4HP, LLC website, please understand that it is independent from HI4HP, LLC and that HI4HP, LLC has no control over the content on that website. In addition, a link to a HI4HP, LLC website does not mean that HI4HP, LLC endorses or accepts any responsibility for the content, or the use, of such website.

  1. Indemnification

You agree to indemnify, defend, and hold harmless HI4HP, LLC, its officers, directors, employees, agents, licensers, suppliers, and any other third-party information providers to the site from and against all losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from any violation of this agreement (including negligent or wrongful conduct) by you or any other person accessing the site.

  1. Third-Party Rights

The provision of paragraphs 2 (Use of the Site) and 3 (Indemnification) are for the benefit of HI4HP, LLC and its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to the site. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on their own behalf.

  1. Termination

Either party, without notice, may terminate this agreement at any time for any reason. The provisions of paragraphs 1 (Copyright, Licenses, and Idea Submissions), 2 (Use of the Site), 3 (Indemnification), 4 (Third-Party Rights), and 6 (Miscellaneous) shall survive any termination of this agreement

  1. Miscellaneous

This agreement shall all be governed and construed in accordance with the laws of the state of _____Arkansas_______________, applicable to agreements made and to be performed in ___Arkansas________.

You agree that any legal action or proceeding between HI4HP, LLC and you for any purpose concerning this agreement or the parties’ obligations thereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in ______Arkansas___________.

Any cause of action or claim you may have with respect to the site must be commenced within one (1) year after the claim of action arises or such claim or cause of action is barred. HI4HP, LLC’s failure to insist upon or enforce strict performance of any provision of this agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this agreement. HI4HP, LLC may assign its rights and duties under this agreement to any party at any time without notice to you.

Any rights not expressly granted herein are reserved.

Some of the information on this website may contain projections or other forward-looking statements regarding future events or the future financial performance of HI4HP, LLC. We wish to caution you that these statements are only predictions and that the actual events or results may differ materially.