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The agreement reserves the right for the company to modify the terms at any time, with changes effective immediately upon posting to the Online Services. Continued use of the platform constitutes consent to any modified terms.
This analysis describes what UnitedHealthcare's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision makes continued platform use the mechanism for consent to modified terms, with no requirement for affirmative acknowledgment, separate notification to users, or advance notice period before changes take effect.
Under this clause, modifications to the terms become effective immediately upon posting, and continued use of the Online Services constitutes consent to those modifications. The agreement does not require advance notice or affirmative user acknowledgment before modified terms take effect.
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"We may change these Terms at any time, and such changes will be posted on the Online Services, with the date of the last revision listed as the 'Effective Date' at the bottom of these Terms. Any modifications will be effective immediately upon such posting. By continuing to use the Online Services, you consent to any changes to our Terms.Excerpt from UnitedHealthcare's Terms of Use
(1) REGULATORY LANDSCAPE: Terms modification provisions that deem continued use as consent engage FTC guidance on unfair or deceptive practices in consumer contracts, as well as state consumer protection statutes that may require affirmative notice or a reasonable opportunity to reject material changes before they apply. (2) GOVERNANCE EXPOSURE: Medium. The immediate effectiveness of changes upon posting, without advance notice or affirmative consent requirements, may not be consistent with regulatory expectations in jurisdictions requiring meaningful notice of material changes to consumer contracts. (3) JURISDICTION FLAGS: The FTC and several State Attorneys General have raised concerns about modification clauses that do not provide reasonable advance notice of material changes. California and other states with strong consumer protection frameworks may impose additional disclosure requirements. (4) CONTRACT AND VENDOR IMPLICATIONS: Institutional users and employer plan administrators relying on these terms as part of their operational relationship with UnitedHealthcare should monitor for term changes and assess whether their commercial agreements include separate change notification provisions. (5) COMPLIANCE CONSIDERATIONS: Compliance teams should assess whether the immediate-effectiveness modification mechanism is consistent with applicable consumer contract disclosure standards and whether any planned term changes require supplemental notice procedures to satisfy regulatory expectations.
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This provision makes continued platform use the mechanism for consent to modified terms, with no requirement for affirmative acknowledgment, separate notification to users, or advance notice period before changes take effect.
Under this clause, modifications to the terms become effective immediately upon posting, and continued use of the Online Services constitutes consent to those modifications. The agreement does not require advance notice or affirmative user acknowledgment before modified terms take effect.
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