Terms & Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY

By accessing Medicare Insurance Rates, using any of our services and/or accessing and using any other websites on which these Terms and Conditions reside (collectively also referred to herein as the "Site"), or any of the Site's Content (as defined below), you acknowledge that you agree to and are subject to the following Terms and Conditions, including without limitation, binding arbitration, the Medicare Insurance Rates Offer Privacy Policy, E-Sign Consent, and any operating rules, policies, and procedures that may be published from time to time on this Site (collectively, the "Terms"). NOTE THAT THESE TERMS CONTAIN PROVISIONS THAT GOVERN THE RESOLUTION OF DISPUTES BETWEEN US AND YOU AND THAT LIMIT OUR LIABILITY TO YOU.

1. Our Services

The Site acts as a portal to facilitate insurance agents, insurance companies, lead aggregators and other similar parties (each a "Provider") to offer for sale and to sell, insurance and other products to potential consumers who have applied through the Site to receive insurance or other authorized quotations from a Provider (each, a "Prospect"), and all Prospects and potential Prospects that use the Site are collectively called the Site's "Users" (and hereafter may be referred to as "you" or "your").

We may, with a Prospect's authorization, collect certain information (a "Lead") about a Prospect and sell the Lead to a Provider. We are not responsible for the legality, safety or quality of the products offered for sale by a Provider, the accuracy or veracity of the representations regarding the products, the ability of Providers to sell the products or the ability of Prospects to pay for the products. For all purposes we are an independent contractor.

With the exception of certain life insurance transactions, we do not issue insurance contracts or bind coverage. We are not responsible for, nor do we assume any financial or other liability whatsoever, for the conduct of any Prospect or Provider.

2. Dispute Resolution By Binding Arbitration

PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS. You agree to attempt in good faith to settle any dispute or claim that has or may arise between us, which arises out of or relates in any way to these Terms or your use of the Site or the Content, including, without limitation, any dispute or claim between you and a Provider (each, a "Claim"), by way of consultations between you and us, which consultations will be initiated upon written notice by any party to the other (the "Consultation Notice").

Any notice to us under this Section should be addressed to: info@medicareinsurancerates.us ("Notice Address").

The arbitration will be governed by the American Arbitration Association ("AAA") under its then-prevailing rules and procedures, including the AAA's Supplementary Procedures for Consumer-Related Disputes (collectively, the "AAA Rules"), as modified by this Agreement.

You may opt-out of this arbitration provision only by written notice to us at the Notice Address within thirty (30) days of your acceptance of this agreement, which notice shall include your name, address, and a clear statement that you do not wish to resolve disputes with us through arbitration.

3. Personal Use

We do not charge Users to access the Site. We grant each User a limited, revocable, non-exclusive license to access the Site and the text, images, maps, files, photos, information and other materials on the Site (the "Content") in order to view, access or make inquiries to us regarding our services, in accordance with these Terms. Any other use of the Site is expressly prohibited.

4. Downloading of Information from the Site and Proprietary Rights

All Content and the Site itself is protected by copyright and database rights as a compilation and/or collective work, pursuant to U.S. copyright laws, other copyright laws, trademark laws, and international conventions. The Content is only for each User's personal use in accordance with Section 3 (Personal Use).

5. Unauthorized Use

Unless otherwise provided herein, or unless otherwise allowed under applicable law, you may not do any of the following without our prior written consent:

• Upload, post, display, copy, republish, reproduce, transmit, or distribute any Content in any form whatsoever
• Reproduce any portion of the Site on your website or, using any device, including but not limited to use of a border or frame environment around the Site
• Reverse engineer disassemble, copy, or duplicate any part of the Site
• Modify, translate into any written or computer language, or create derivative works or translations from any Content or part of the Site
• Use any spider, robot or other automated device or automated or manual process to copy, monitor, or keep a database copy of the Content

6. Site Changes

We may change, discontinue or suspend any aspect of the Site at any time, including the availability of any Site features, Content or database. We may also impose limits on certain services or features or restrict your access to all or part of the Site without notice to you or liability to us.

7. Our Privacy Policy

When you use the Site, you consent to the collection and use of your personally identifiable information in accordance with the Medicare Insurance Rates Privacy Policy, which is incorporated into these Terms. Our Privacy Policy explains our information collection practices and safeguards, how we use and share your information, and how to opt-out of receiving communications from us.

8. Limitation of Liability

IN NO EVENT WILL WE OR ANY OF OUR OFFICERS, DIRECTORS, SHAREHOLDERS OR EMPLOYEES BE LIABLE FOR ANY LOST PROFITS, COVER, LOSS OF REVENUE OR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM YOUR USE OF THE SITE.

9. Disclaimer

THE SITE, INCLUDING ALL CONTENT, SERVICES, FUNCTIONS, SOFTWARE, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED ON AN "AS IS, AS AVAILABLE" BASIS, AND Medicare Insurance Rates DOES NOT OFFER MAINTENANCE OR SUPPORT SERVICES FOR ANY PORTION OF THE SITE.

10. E-Sign Consent

By using our services, you consent to receive all communications and disclosures electronically. You understand that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you.

You can request paper copies and/or withdraw consent by contacting us at info@medicareinsurancerates.us.

Contact Information

If you have any questions regarding any of these Terms, please contact us at info@medicareinsurancerates.us.

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TPMO Disclaimer:
We do not offer every plan available in your area. Currently we represent 6 organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

FCS Disclaimer:
Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS] and/or Prescription Drug Plan organizations that are contracted with Medicare. Enrollment depends on the plan's contract renewal.

OEP/SEP Disclaimer:
Enrollment in a plan may be limited to certain times of the year unless you qualify for a special enrollment period.

General Benefits Disclaimer:
Not all plans offer all available benefits. Benefits vary by carrier, plan, and location. Deductibles, copays, coinsurance may apply. Allowance amounts cannot be combined with other benefit allowances. Limitations and exclusions may apply. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special enrollment period.

Aetna Disclaimer:
To send a complaint to Aetna, call the Plan or the number on your member ID card. To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048, 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.