Terms & Conditions

Last updated: August 21, 2025

Please read these Terms of Service carefully before using the 316healthins.com website (the "Website") operated by Garraway Enterprises LLC dba 316 Health Insurance, a Limited Liability Company formed in Kansas, United States ("us", "we", "our"). This Terms of Service contains important information regarding limitations of our liability. Your access to and use of this Website is conditional upon your acceptance of and compliance with these Terms.

By accessing or using the Website, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you do not have our permission to access or use the Website.

Prohibited Uses

You agree that you will use this Website in accordance with all applicable laws, rules, regulations and these Terms at all times. Prohibited uses include, but are not limited to:

• Impersonating or attempting to impersonate Garraway Enterprises LLC dba 316 Health Insurance or its employees, representatives, subsidiaries or divisions;
• Misrepresenting your identity or affiliation with any person or entity;
• Sending or attempting to send any advertising or promotional material, including but not limited to spam, junk mail, or chain mail;
• Engaging in any conduct that restricts or inhibits any person's use or enjoyment of the Website;
• Using the Website in any manner that could disable, overburden, damage or impair the Website;
• Using any robot, spider or similar automatic technology to access or use the Website;
• Attempting to gain unauthorized access to any parts of the Website, its servers, or any connected database;
• Attempting to attack the Website via a denial-of-service or distributed denial-of-service attack;
• Using the Website in any way that violates any applicable federal, state or local laws, rules or regulations.

No Warranty on Website

THIS WEBSITE IS PROVIDED "AS IS". NO WARRANTY, EXPRESS OR IMPLIED (INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, OF SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE) SHALL APPLY TO THIS WEBSITE, WHETHER ARISING BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE OR OTHERWISE.

Availability, Errors and Inaccuracies

We assume no liability for the availability, errors or inaccuracies of the information, products or services provided on this Website. We may experience delays in updating information on this Website and in our advertising on other websites. The information, products and services found on the Website may contain errors or inaccuracies or may not be complete or current. We expressly reserve the right to correct any pricing errors on our Website.

Damages and Limitation of Liability

IN NO EVENT SHALL GARRAWAY ENTERPRISES LLC DBA 316 HEALTH INSURANCE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF, RELATING TO OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO, DISPLAY OF OR USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO ACCESS, DISPLAY OR USE THIS WEBSITE, INCLUDING BUT NOT LIMITED TO YOUR RELIANCE UPON OPINIONS OR INFORMATION APPEARING ON THIS WEBSITE; ANY COMPUTER VIRUSES, INFORMATION, SOFTWARE, LINKED WEBSITES OPERATED BY THIRD PARTIES, PRODUCTS OR SERVICES OBTAINED THROUGH THIS WEBSITE, WHETHER BASED ON A THEORY OF NEGLIGENCE, CONTRACT, TORT, STRICT LIABILITY, CONSUMER PROTECTION STATUTES OR OTHERWISE, EVEN IF GARRAWAY ENTERPRISES LLC DBA 316 HEALTH INSURANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE AGGREGATE LIABILITY OF GARRAWAY ENTERPRISES LLC DBA 316 HEALTH INSURANCE ARISING OUT OF OR RELATING TO THIS WEBSITE SHALL BE LIMITED TO THE AMOUNT OF FEES ACTUALLY RECEIVED BY GARRAWAY ENTERPRISES LLC DBA 316 HEALTH INSURANCE FROM YOU.

Links to Third-Party Websites

This Website may contain hyperlinks to websites operated by third parties and not by us. We provide such hyperlinks for your reference only. We do not control such websites and are not responsible for their contents or the privacy or other practices of such websites. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

Intellectual Property and DMCA

All contents of this Website are © 2017–2026 Garraway Enterprises LLC dba 316 Health Insurance or third parties. All rights reserved. Unless specified otherwise, all content and materials on this Website, including logos, designs, text, graphics, pictures, information, data, and software, are the proprietary property of Garraway Enterprises LLC dba 316 Health Insurance.

If you believe content on the Website infringes on your intellectual property rights, please contact Jason Garraway at [email protected] with a written notice titled "Infringement of Intellectual Property Rights – DMCA" that includes:

• An electronic or physical signature of the authorized person;
• A description of the work you claim has been infringed, including the URL;
• Your name, email, address, and telephone number; and
• A statement that you have a good faith belief the disputed use is not authorized.

Contact: Garraway Enterprises LLC dba 316 Health Insurance | 100 S Main, Suite 102, Wichita, KS 67202 | (316) 706-6012

Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of the state of Kansas, United States, without regard to its conflict of laws provisions. Any controversy or claim arising out of or relating to these Terms shall be resolved in a court of competent jurisdiction in Sedgwick County, Kansas.

YOU AND GARRAWAY ENTERPRISES LLC DBA 316 HEALTH INSURANCE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION.

Changes to Terms of Service

We reserve the right to make changes to these Terms of Service at any time without prior notice.

Questions

If you have any questions about our Terms of Service, please contact us at [email protected].