1 Acceptance of Terms
By accessing or using this website (the “Site”), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, do not use the Site.
2. Informational, Non-Governmental Site
The Site is for informational purposes only. We are not affiliated with or endorsed by the U.S. government, CMS, or Medicare. The Site does not provide legal, medical, or financial advice and does not itself sell, solicit, or negotiate insurance.
3. No Offer or Guarantee of Coverage
Any connection you choose to make to a licensed insurance agent is for informational purposes. Plan availability, eligibility, and benefits may vary by carrier and location. Nothing on this Site guarantees that you will qualify for or receive any particular benefit or plan.
4. Eligibility & User Responsibilities
You represent that you are at least 18 years old and legally able to form a binding contract. You agree to use the Site only for lawful purposes and in compliance with these Terms and all applicable laws.
5. Prohibited Conduct
You agree not to:
- Interfere with or disrupt the Site or servers
- Attempt to gain unauthorized access to systems or data
- Use the Site to transmit malware, spam, or fraudulent material
- Scrape, crawl, or use automated means to access the Site without our prior written consent
6. Intellectual Property
All content on the Site (text, graphics, logos, etc.) is owned by us or our licensors and protected by law. You receive a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial, informational use only.
7. Third-Party Links & Services
The Site may link to third-party websites or connect you with third parties (e.g., licensed insurance agents). We do not control, endorse, or assume responsibility for third-party content, services, or practices.
8. Disclaimer of Warranties
THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THE SITE SHALL NOT EXCEED $100 IN THE AGGREGATE.
10. Indemnification
You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your use of the Site or violation of these Terms.
11. Dispute Resolution; Arbitration; Class Action Waiver (U.S. users)
Any dispute arising out of or relating to these Terms or the Site will be resolved by binding arbitration on an individual basis. Class actions and class arbitrations are not permitted. You and we each waive the right to a jury trial. (If you do not agree, do not use the Site.)
12. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles, unless a different jurisdiction is required by applicable consumer protection law.
13. Termination
We may suspend or terminate your access to the Site at any time, with or without notice, for any reason or no reason.
14. Changes to These Terms
We may update these Terms at any time. The “Last updated” date will reflect the latest version. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
15. Contact
Questions about these Terms?
Email: info@seniorhubcoverage.com
Phone: +1 (866) 972-0794 (TTY 711)
Mailing Address: [Insert Address]