Legal & Privacy Center
Last Updated: January 2026
Smirk Health partners with Chubb Group of Insurance Companies to administer certain insurance products. The following notices explain how Chubb protects your information and outlines your rights under applicable federal and state laws, followed by Smirk Health’s own Privacy, Terms, and Refund policies.
Chubb DNC Policy
The term “Chubb” as used herein, means those insurers doing business in the United States that are
directly or indirectly owned by Chubb Limited.
Chubb does not place marketing telephone calls (which for purposes of this Policy include text
messages) to numbers appearing on a state or federal Do Not Call list (unless permitted by applicable
law) or to the number of a person who has requested not to receive telemarketing calls made by or on
behalf of Chubb.
If you ask not to receive telemarketing calls from us, you will be placed on our internally-maintained Do
Not Call list and will not be called during any future telemarketing campaigns within the next five years
(or any longer period required by applicable law). Any request to be placed on our internally-maintained
Do Not Call list will be processed within a reasonable amount of time, not to exceed 30 days (or any
shorter period required by applicable law).
Chubb employees receive training on how to use our internally-maintained Do Not Call list; how to
document, process and honor requests to be placed on its internally-maintained Do Not Call list; and
proper identification during telemarketing calls. Chubb requires any third-party that initiates
telemarketing calls on Chubb’s behalf to comply with this policy.
We reserve the right to revise this Do Not Call Policy.
Chubb Fraud Notice
Fraud Notice: (Should Be on Back). “Any person who knowingly and with intent to defraud any
insurance company or other person files an application for insurance or statement of claim containing
any materially false information or conceals for the purpose of misleading, information concerning any
fact material thereto, commits a fraudulent insurance act, which is a crime and shall also be subject to
criminal and civil penalties.”
Notice of HIPAA Privacy Practices for Protected Health Information
Chubb Electronic Transactions Terms & Conditions
The Chubb Group of Companies, as affiliated covered and hybrid entities, (the "Company") is required by law to take reasonable steps to ensure the privacy of your personally identifiable health information, and to inform you
Please carefully read the following terms and conditions applicable to this Voluntary Consent to Electronic Transactions, Signature and Payments. Your consent to electronic transactions, signature and payments is voluntary.
Trade Sanction Disclosure
Chubb Purchase Disclaimer:
“Yes, please sign me up for the insurance plan. I have read, understand, and agree to the terms and
conditions of insurance coverage in the enclosed Summary of Insurance Provisions for the <XXX> Plan
and to the notices on the reverse side of this form. I authorize my financial institution and the plan
administrator to automatically charge my <ACCT TYPE> account <XXXX> issued by the financial
institution name above monthly, according to the rate schedule for the coverage I select. I understand
and agree that my payment authorization will remain in effect until I notify the Plan Administrator and
they have a reasonable opportunity to act on it. It is my responsibility to ensure that my account
information is current and accurate.”
Smirk Privacy Policy
Release
Effective Date: January 1, 2025
Updated Date: May 18, 2026
Smirk Health (“Smirk,” “we,” “us,” or “our”) is committed to protecting your privacy and handling your
information in a transparent and responsible manner. This Privacy Policy describes how we collect, use,
disclose, and safeguard your information when you access or use our website, applications, products,
and services (collectively, the “Services”).
Depending on how you interact with the Services, the information we collect may include both general
personal information and Protected Health Information (“PHI”) governed by the Health Insurance
Portability and Accountability Act of 1996 (“HIPAA”). When information constitutes PHI, we handle it in
accordance with HIPAA and other applicable laws.
We collect and use information only as necessary to operate the Services, administer your coverage,
facilitate payments, and provide a reliable and understandable experience. By accessing the Services or
enrolling in a plan, you acknowledge that you have read this Privacy Policy.
1. Scope and Applicability
This Privacy Policy applies to information collected through the Services and in connection with
enrollment, coverage, benefits administration, and related services. Depending on the context, Smirk
may act as a covered entity, a business associate, or a service provider handling general personal
information. Different legal requirements may apply based on the role we are performing and the
nature of the information at issue.
This Privacy Policy is intended to address applicable federal and state privacy requirements, including
HIPAA, the California Consumer Privacy Act (“CCPA”), the California Privacy Rights Act (“CPRA”), the
Washington My Health My Data Act, Texas medical privacy requirements including Texas HB 300, and
other applicable state consumer privacy laws.
2. Information We Collect
We collect information about you in several ways depending on how you interact with our Services.
Personal Information
When you register for an account, enroll in a plan, or interact with us, we may collect identifying
information such as your name, email address, phone number, mailing address, date of birth,
demographic information, and payment details. This information is necessary to create and manage
your account, process transactions, and communicate with you.
Dependent and Family Enrollment Information
When policyholders enroll dependents or family members for coverage, we collect information relating
to those individuals, which may include names, dates of birth, gender, relationship information, and
coverage-related information. This information is collected from the policyholder or authorized
representative solely for enrollment, eligibility verification, coverage administration, claims processing,
and related operational purposes.
Protected Health Information (PHI)
In connection with the Services, we may collect, create, receive, or maintain information that relates to
your physical or mental health, health care services, or payment for health care. This may include
benefit selections, claims information, payment activity, interactions with providers, pharmacy
information, telehealth interactions, and care-related inquiries. This information may constitute PHI
under HIPAA.
Automatically Collected Information
When you use the Services, we automatically collect certain technical and usage information, such as
your IP address, browser type, device identifiers, advertising identifiers, pages visited, session activity,
referral URLs, approximate geolocation information, and interaction data. We use cookies and similar
technologies to enhance functionality and analyze usage patterns. We do not deploy advertising or
marketing cookies, pixels, or similar tracking technologies on pages or sections of the Services where
users access PHI, view benefit information, or interact with care-related features. Where advertising or
analytics technologies are used on general informational portions of the Services, we configure those
technologies to prevent the transmission of PHI to third parties.
Information from Third Parties
We may receive information about you from third parties, including health care providers, pharmacies,
payment processors, financial institutions, advertising and analytics providers, and service partners. This
information helps us administer benefits, process payments, improve the Services, and provide a
seamless experience.
3. How We Use Your Information
We use your information for a variety of purposes necessary to operate our business and deliver the
Services.
We use personal information to create and manage your account, process enrollments, facilitate
transactions, provide customer support, communicate with you, deliver plan-related notices, send
marketing or promotional communications where permitted by law, improve the Services, personalize
user experiences, ensure security, prevent fraud, and comply with legal obligations.
Use of Communications for Quality Assurance and Service Improvement
We may use call recordings, transcripts, and chat interactions for internal quality assurance, customer
support training, and operational improvement. Where these communications contain PHI, such use
occurs under HIPAA as a health care operations activity.
Use of Communications for Artificial Intelligence and Model Training
Before using communications data to train or develop artificial intelligence systems, large language
models, or other machine learning technologies, we de-identify the data in accordance with the HIPAA
Safe Harbor method under 45 C.F.R. § 164.514(b)(2) or the Expert Determination method under 45
C.F.R. § 164.514(b)(1). We do not use identifiable PHI to train general-purpose or third-party AI or large
language model systems. We do not sell or license communications data, identifiable or de-identified, to
third parties for use in training their own AI or machine learning models.
When information qualifies as PHI, we use and disclose it in accordance with HIPAA as described below.
4. Permitted Uses and Disclosures of PHI (No Authorization Required)
Under HIPAA, we are permitted to use and disclose your PHI without your written authorization for
certain core purposes related to health care operations.
Treatment
We may use and disclose your PHI to provide, coordinate, or manage your health care and related
services. This includes sharing information with health care providers, pharmacies, telehealth providers,
and other entities involved in your care.
Payment
We may use and disclose your PHI to bill for and collect payment for the Services you receive. This
includes sharing information with providers, pharmacies, financial institutions, payment processors, and
other entities involved in payment processing or financing arrangements.
Health Care Operations
We may use and disclose your PHI for operational purposes necessary to run our business. These
activities include quality assessment and improvement, customer service, care coordination,
underwriting (where permitted), fraud detection, auditing, analytics, operational reporting, and general
administrative functions.
Uses and Disclosures Required or Permitted by Law
We may use or disclose your PHI without authorization in additional circumstances permitted or
required by law, including:
• To comply with federal, state, or local laws and regulations
• For public health activities, such as reporting disease, injury, or product issues
• To report abuse, neglect, or domestic violence, as authorized by law
• For health oversight activities, including audits, investigations, and inspections
• In connection with judicial or administrative proceedings, such as in response to subpoenas or
court orders
• For law enforcement purposes, including identifying or locating individuals
• To prevent or lessen a serious and imminent threat to health or safety
We may also disclose PHI to family members, close personal friends, or others involved in your care or
payment for care, when the information is directly relevant to their involvement and you have agreed or
have been given an opportunity to object and have not done so.
5. Uses and Disclosures Requiring Authorization
In situations not covered above, we will obtain your written authorization before using or disclosing your
PHI. Specifically, we will obtain your authorization for:
• Most uses and disclosures of psychotherapy notes
• Uses and disclosures of PHI for marketing purposes, as defined under HIPAA
• Any sale of PHI, as defined under HIPAA
• Other uses or disclosures not described in this Privacy Policy or otherwise permitted by HIPAA
If you provide authorization, you may revoke it at any time by submitting a written request, except to
the extent that we have already taken action in reliance on your authorization.
6. Communications, Recordings, and Platform Interactions
When you communicate with us, including through customer support, telephone calls, chat, SMS, email,
or other messaging features, we may collect and maintain records of those communications. This may
include call recordings, transcripts, chat messages, SMS communications, email communications, and
other interaction data.
We may use automated tools, including artificial intelligence and large language model technologies, to
process, transcribe, summarize, route, and respond to communications, support customer service, and
improve the operation of our Services. Use of these technologies in connection with PHI is conducted in
accordance with HIPAA, including through Business Associate Agreements with vendors that process PHI
on our behalf. Identifiable PHI is not used to train general-purpose or third-party AI models. Additional
information regarding AI model training is set forth in Section 3.
We may also collect information related to your engagement with our communications, including
whether emails, text messages, or other communications are opened, viewed, clicked, or otherwise
interacted with.
On general informational portions of the Services, we may use cookies and similar technologies,
including analytics tools provided by third-party vendors, to understand user behavior, measure
performance, and improve the Services. We do not use third-party advertising or marketing cookies,
pixels, tags, or SDKs on portions of the Services where users authenticate, access PHI, view benefit or
claims information, or interact with care-related features. Where third-party analytics are deployed on
general portions of the Services, we configure them to prevent the transmission of PHI.
7. How We Share Information
We share information only as necessary to operate the Services and comply with legal obligations.
We may share your information with service providers that perform functions on our behalf, such as
payment processing, hosting, analytics, communications, customer support, artificial intelligence
processing, transcription services, and operational support.
We may also share information with health care providers, pharmacies, telehealth providers, insurance
carriers, administrators, and care partners to facilitate treatment, payment, eligibility verification, and
benefit administration.
When we engage third parties to perform services involving PHI, we require them to agree to
appropriate safeguards and to comply with applicable privacy and security requirements, including
entering into Business Associate Agreements where required.
We may also disclose information in connection with a merger, acquisition, financing, reorganization, or
sale of assets, subject to appropriate confidentiality protections and applicable law.
We do not knowingly sell personal information. We do not use personal information obtained through
authenticated or care-related portions of the Services for cross-context behavioral advertising. We do
not sell or share consumer health data as defined under the Washington My Health My Data Act.
8. Data Security
We maintain administrative, technical, and physical safeguards designed to protect your information
from unauthorized access, use, or disclosure. These safeguards include, among other measures,
encryption of data in transit and at rest where appropriate, access controls, multi-factor authentication
where appropriate, system monitoring, logging, vendor oversight, employee training, and regular
security reviews.
Our security practices are designed to align with applicable legal and industry standards, including the
HIPAA Security Rule and other recognized security frameworks. We continuously evaluate and improve
our security controls and may pursue or maintain independent assessments or certifications relating to
our information security practices.
While we take reasonable steps to protect your information, no method of transmission over the
internet or electronic storage can be guaranteed to be completely secure.
Breach Notification
In the event of a security incident involving your information, we will investigate promptly and provide
notifications as required by applicable law. Where the incident involves unsecured PHI, we will provide
notification to affected individuals without unreasonable delay and in no event later than sixty (60) days
following discovery of the breach, consistent with the HIPAA Breach Notification Rule (45 C.F.R. Part
164, Subpart D). Where state law requires notification within a shorter period, we will comply with the
shorter period. Notifications will include, where required, a description of the incident, the categories of
information involved, steps we are taking to address the incident, recommended protective actions, and
information regarding how to contact us for additional support. We will also provide notifications to the
U.S. Department of Health and Human Services and, where applicable, to the media and state regulators
as required by law.
9. Data Retention
We retain information only for as long as reasonably necessary to provide the Services, comply with
legal obligations, resolve disputes, enforce agreements, and protect our legal rights. Retention periods
are determined based on the type of information, the purpose for which it was collected, and applicable
legal and regulatory requirements.
In general:
• Account registration and enrollment records: retained for up to seven (7) years following
account closure or the end of the customer relationship, consistent with applicable record-
keeping requirements.
• PHI, claims records, and coverage-related records: retained for the period required by applicable
law, which is generally a minimum of six (6) years under HIPAA and may extend to ten (10) years
or longer where required by state law, regulatory requirements, litigation holds, or contractual
obligations.
• Call recordings, transcripts, chat logs, and customer support communications: retained for up to
two (2) years for quality assurance and training purposes, except where a longer period is
required for legal compliance, dispute resolution, or fraud prevention.
• Marketing and analytics information: retained for up to two (2) years unless a longer retention
period is required for legal, operational, or fraud prevention purposes.
• Technical logs, security records, and backup archives: retained for periods consistent with
security, compliance, and operational continuity needs, generally not to exceed two (2) years for
routine logs.
We may retain de-identified or aggregated information for lawful business purposes without time
limitation where permitted by applicable law. De-identification is performed using the HIPAA Safe
Harbor method under 45 C.F.R. § 164.514(b)(2) or the Expert Determination method under 45 C.F.R. §
164.514(b)(1), and we maintain reasonable safeguards to prevent re-identification of de-identified data.
10. Your Rights Regarding PHI and Personal Information
Under HIPAA and certain state privacy laws, you may have rights with respect to your PHI and personal
information, subject to applicable limitations. These rights may include:
• The right to access and obtain a copy of your information
• The right to request corrections or amendments to your information
• The right to request deletion of certain information
• The right to request restrictions on certain uses or disclosures
• The right to request confidential communications through alternative means
• The right to receive an accounting of certain disclosures of PHI
• The right to opt out of certain targeted advertising or sharing activities
• The right to limit the use or disclosure of sensitive personal information where applicable under
state law
• The right to withdraw consent for the collection, use, or sharing of consumer health data where
applicable under state law
To exercise these rights, you may contact us using the information provided below.
Before processing requests, we may require you to verify your identity by providing information
sufficient to confirm your identity and authority to make the request. We will respond to verified
requests within the timeframes required by applicable law, including within forty-five (45) days where
required under California law, subject to any lawful extension rights.
If we deny your request in whole or in part, you may appeal our decision by contacting us using the
information below and including “Privacy Appeal” in your request. We will review and respond to
appeals in accordance with applicable law.
11. Cookies and Tracking Technologies
We use cookies, pixels, SDKs, and similar technologies to operate and secure the Services, understand
how users interact with the platform, improve functionality and performance, and support limited
analytics on general informational portions of the Services.
We do not use advertising or marketing cookies, pixels, tags, or SDKs (including those provided by third-
party advertising or social media platforms) on portions of the Services where users authenticate, access
PHI, view benefits, claims, or coverage information, or interact with care-related features. Where third-
party analytics are deployed on general portions of the Services, we configure them to prevent the
transmission of PHI, and we maintain Business Associate Agreements with vendors where required.
These technologies may collect device identifiers, browsing activity, IP addresses, and engagement data.
You may manage cookies and tracking technologies through your browser or device settings, the privacy
controls offered through the Services, or, where applicable, Global Privacy Control (GPC) signals, which
we honor as required by law. Disabling certain technologies may affect the availability or functionality of
the Services.
12. De-Identified and Aggregated Information
We may de-identify or aggregate information so that it does not reasonably identify any individual. We
use the HIPAA Safe Harbor method under 45 C.F.R. § 164.514(b)(2) or the Expert Determination method
under 45 C.F.R. § 164.514(b)(1) to de-identify PHI. Once information is de-identified in accordance with
these standards, it is no longer considered PHI under HIPAA.
We do not attempt to re-identify de-identified information, and we contractually require third parties
that receive de-identified data to refrain from re-identification. We may use de-identified or aggregated
information for research, analytics, product improvement, benchmarking, and other lawful purposes.
13. Additional Privacy Rights and State-Specific Disclosures
Depending on your state of residence, you may have additional rights regarding your personal
information.
California Privacy Rights
California residents may have rights under the CCPA and CPRA, including rights to know, access, correct,
delete, and limit the use of sensitive personal information, as well as rights relating to targeted
advertising, sharing, or sale of personal information.
In the preceding twelve (12) months, we may have collected the following categories of personal
information:
• Identifiers and contact information
• Demographic information
• Commercial and transaction information
• Financial and payment information
• Internet and electronic activity information
• Geolocation information
• Health and medical information
• Audio, electronic, visual, or similar information
• Professional or employment-related information where applicable
• Inferences derived from personal information
We may disclose these categories of information to service providers, contractors, analytics providers,
carriers, providers, pharmacies, administrators, and operational vendors for business and operational
purposes.
Certain categories of information, including health information, account credentials, payment
information, precise geolocation data, and government-issued identifiers where collected, may
constitute sensitive personal information under California law. California residents may request that we
limit the use and disclosure of sensitive personal information to uses authorized by applicable law.
We do not sell or share personal information for cross-context behavioral advertising as those terms are
defined under the CCPA and CPRA. We do not knowingly sell or share personal information of
individuals under 16 years of age. We honor Global Privacy Control (GPC) signals as opt-out preference
signals where required by law.
To exercise California privacy rights, users may contact us at support@smirkhealth.com with the subject
line “California Privacy Request” or utilize available privacy controls presented through our Services.
Washington My Health My Data Act
This subsection serves as the Consumer Health Data Privacy Policy required by the Washington My
Health My Data Act (“MHMDA”) for Washington residents and residents of any other state with a
substantially similar statute.
Categories of consumer health data collected: We may collect consumer health data including, but not
limited to, information that identifies a consumer’s past, present, or future physical or mental health
status; health-related conditions, treatments, diseases, or diagnoses; social, psychological, behavioral,
and medical interventions; health-related surgeries or procedures; use or purchase of prescribed
medications; bodily functions and vital signs; diagnoses or diagnostic testing; gender-affirming care
information; reproductive or sexual health information; biometric data; precise location information
that could reasonably indicate an attempt to receive health services; and data identifying a consumer as
seeking health care services.
Sources of consumer health data: We collect consumer health data directly from consumers, from
policyholders or authorized representatives, from health care providers, pharmacies, and care partners,
from payment processors and financial institutions, and from service providers acting on our behalf.
Categories of consumer health data shared: We share consumer health data only with providers,
pharmacies, carriers, administrators, care partners, payment processors, and service providers as
necessary for treatment, payment, eligibility verification, benefits administration, customer support, and
operational purposes. We do not sell consumer health data.
Categories of third parties and affiliates with whom consumer health data is shared: Health care
providers and provider networks; pharmacies and pharmacy benefit managers; telehealth providers;
insurance carriers, administrators, and reinsurers; payment processors and financial institutions;
technology and hosting service providers; customer support and communications vendors; AI and
transcription vendors operating under Business Associate Agreements; auditors and legal advisors; and
affiliated entities of Smirk Health.
Rights of Washington consumers: Washington residents have the right to confirm whether we are
collecting, sharing, or selling their consumer health data; the right to access their consumer health data;
the right to withdraw consent to our collection or sharing of consumer health data; the right to have
their consumer health data deleted; and the right to appeal a denial of any of these rights. To exercise
these rights, contact us at support@smirkhealth.com with the subject line “MHMDA Request.”
Texas Privacy Rights
Texas residents may have rights relating to medical information and personal information under
applicable Texas law, including Texas HB 300 and the Texas Data Privacy and Security Act.
Nevada, Connecticut, and Other State Rights
Residents of Nevada, Connecticut, Colorado, Virginia, Utah, Oregon, Montana, and other states with
applicable consumer privacy laws may have additional rights regarding certain data processing, targeted
advertising, and privacy practices as provided by applicable law. To exercise these rights, contact us
using the information in Section 18.
14. Children’s Privacy
The Services are intended for adult policyholders and account holders who are at least 18 years of age.
The Services are not directed to children under the age of 13, and we do not knowingly collect personal
information directly from children under 13 for our own commercial purposes in a manner that would
trigger the Children’s Online Privacy Protection Act (“COPPA”).
In connection with family or dependent coverage, we routinely collect personal information and PHI
relating to insured dependents, including minors. Such information is collected exclusively from a
parent, guardian, policyholder, or authorized representative, and solely for enrollment, eligibility
verification, coverage administration, claims processing, customer support, and related health care
operations. We do not use information about minor dependents for behavioral advertising, profiling, or
marketing purposes.
We do not knowingly allow minors to independently create accounts or directly use the Services without
authorization from a parent, guardian, or policyholder. If we become aware that we have collected
personal information from a child under 13 in a manner inconsistent with COPPA, we will delete such
information promptly. If you believe we have collected information from a child in error, please contact
us using the information in Section 18.
15. Third-Party Websites
The Services may contain links to third-party websites or services that are not operated by us. This
Privacy Policy does not apply to those third parties, and we are not responsible for their privacy
practices. We encourage you to review the privacy policies of any third-party websites or services you
visit.
16. International Users
The Services are intended for users located in the United States. If you access the Services from outside
the United States, your information may be transferred to, stored, and processed in the United States,
where privacy laws may differ from those in your jurisdiction. By using the Services from outside the
United States, you acknowledge this transfer.
17. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal
requirements, technologies, or business operations. When we do, we will update the effective date and
post the revised policy on our website. Where required by law, we will provide additional notice of
material changes, such as by email or through a prominent notice on the Services. We encourage you to
review this Privacy Policy periodically.
18. Contact Information
If you have questions about this Privacy Policy, our privacy practices, or to exercise your rights, please
contact us at:
Smirk Health
Email: support@smirkhealth.com
Address: 166 Hargraves Drive, Ste C-400 PMB 131, Austin, TX 78737
19. Acknowledgment
By using the Services or completing enrollment, you acknowledge that you have read and understand
this Privacy Policy and agree to the collection, use, and disclosure of your information as described
herein.
Smirk Terms and Conditions
Smirk Terms and Conditions
Effective Date: January 1, 2025
Welcome to Smirk Health ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website ("Site") located at www.smirkhealth.com and the services provided through the Site, including the purchase of dental insurance plans, dental discount products, provider searches, and informational content (collectively, "Services").
By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our Site or Services.
1. General Terms
These Terms constitute a legally binding agreement between you and Smirk Health. By using the Site, you represent that you have read, understood, and agree to these Terms and our Privacy Policy. Supplemental terms or policies may apply to specific features of the Site and are incorporated herein by reference.
We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting on the Site, and your continued use of the Site constitutes acceptance of the updated Terms. The Site is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to law or regulation. By accessing the Site from outside the United States, you do so at your own risk and are responsible for compliance with local laws.The Site is intended for users who are at least 18 years old. Persons under 18 are prohibited from registering or using the Site.
2. Eligibility
You must be at least 18 years old to use this Site and purchase Services.
By using the Site, you represent and warrant that you meet this eligibility requirement.
3. Use of the Site
You agree to use the Site only for lawful purposes.
You are prohibited from:
- Interfering with or disrupting the operation of the Site.
- Attempting to gain unauthorized access to any part of the Site or its related systems.
- Using the Site to harass, harm, or defraud any person or entity.
4. Account Registration
Certain features of the Site may require you to create an account.
You agree to:
- Provide accurate and complete information during registration.
- Maintain the security of your account credentials.
- Notify us immediately of any unauthorized use of your account.
5. Purchases and Payments
All prices for dental insurance plans and dental discount products are listed in USD and are subject to change without notice. Payment must be made at the time of purchase through our secure payment gateway. By completing a purchase, you agree to the terms of the dental insurance plan or dental discount product as outlined in the policy documents. If your purchase is subject to recurring charges, you authorize us to charge your payment method on a recurring basis until cancellation. We reserve the right to correct pricing errors even after payment has been received.
6. Refund Policy
Refer to the refund policy provided earlier for Smirk Health.
7. Provider Network Information
While we strive to keep our provider network information accurate and up-to-date, we do not guarantee that the information is error-free.
Providers may change their participation status without notice.
Please verify network participation with your selected provider before scheduling an appointment.
8. Intellectual Property Rights
Unless otherwise indicated, the Site and its content, including text, graphics, software, and trademarks, are the proprietary property of Smirk Health or its licensors.
You are granted a limited license to use the Site and its content for personal, non-commercial purposes.
All rights not expressly granted are reserved by Smirk Health.
9. Prohibited Activities
You agree not to:
- Use the Site for any unauthorized or illegal purposes.
- Systematically retrieve data from the Site to create a database.
- Circumvent security features of the Site.
- Use automated tools like bots or scrapers to access the Site.
- Upload or transmit harmful content such as viruses.
10. Limitation of Liability
To the fullest extent permitted by law, Smirk Health shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use or inability to use the Site or Services.
Our total liability for any claims relating to the Services shall not exceed the amount you paid for the Services in the preceding 12 months.
11. Termination
We reserve the right to terminate or suspend your access to the Site and Services at our sole discretion, without notice, for any reason, including violation of these Terms.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles.
13. Changes to These Terms
We may update these Terms from time to time. Changes will be effective immediately upon posting on the Site.
Your continued use of the Site constitutes acceptance of the updated Terms.
14. Contact Us
If you have any questions about these Terms, please contact us at:
Smirk Health
Email: support@smirkhealth.com
Address: 166 Hargraves Drive, Ste C-400 PMB 131, Austin, TX 78737
Smirk Refund Policy
Refunds Governed by Insurance Policy Terms
All refunds for insurance products offered through Smirk Health are issued solely in accordance with the terms and conditions of the applicable insurance policy.
Refund eligibility, amounts, timing, and any limitations are determined by the issuing insurance carrier and are subject to the specific policy provisions, including but not limited to coverage periods, cancellation rights, and claims activity.
Smirk Health does not modify, override, or expand refund rights beyond those expressly provided in the applicable insurance policy.
Customers are encouraged to review their insurance policy documents carefully for complete and authoritative information regarding refunds and cancellations.
Contact Us
If you have any questions regarding this refund policy or need further assistance, please contact our support team at support@smirkhealth.com.
We are here to help you.
Outline of Coverage
This information is provided to ensure you fully understand your benefits with no fine print or surprises.
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