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Terms and Conditions
Last Updated: January 2025
IMPORTANT NOTICE: This website is operated by a marketing and lead generation company. We are not a government agency, insurance provider, or financial institution. Our role is to connect consumers with licensed professionals, carriers, or service providers who can discuss available options. We do not make eligibility determinations or provide coverage, financing, or government benefits directly.
1. Acceptance of Terms
By accessing and using this website (medicareguides.info), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
2. Service Description
Medicare Guides is a lead generation and marketing service that:
- Connects Medicare-eligible individuals with licensed insurance professionals
- Provides educational information about Medicare benefits and programs
- Facilitates connections between consumers and qualified insurance agents
- Does not provide insurance coverage, benefits, or government services directly
3. Eligibility
Our services are intended for individuals who:
- Are 65 years of age or older, or
- Are under 65 with certain disabilities, or
- Have End-Stage Renal Disease (ESRD), or
- Are otherwise eligible for Medicare benefits
4. No Insurance Coverage Provided
We do not:
- Provide insurance coverage or benefits
- Make eligibility determinations for Medicare or other government programs
- Guarantee approval for any insurance products or government benefits
- Act as a licensed insurance agent or broker
- Provide financial advice or recommendations
5. Third-Party Services
When you provide your contact information, you consent to be contacted by:
- Licensed insurance agents and brokers
- Insurance carriers and their representatives
- Other qualified professionals who can assist with your Medicare needs
These third parties are independent entities and are not affiliated with Medicare Guides.
6. Information Accuracy
While we strive to provide accurate and up-to-date information about Medicare programs and benefits, we make no warranties or guarantees regarding:
- The accuracy of information provided
- The availability of specific benefits or programs
- Your eligibility for any particular program
- The terms or conditions of any insurance products
7. Privacy and Data Collection
We collect and process personal information as described in our Privacy Policy. By using our services, you consent to:
- Collection of personal information including name, age, contact information, and Medicare enrollment status
- Sharing of this information with licensed insurance professionals
- Contact by phone, email, or other means regarding Medicare-related services
8. Medicare Marketing Compliance
Our marketing practices comply with applicable Medicare marketing guidelines, including:
- CMS Medicare Marketing Guidelines
- State insurance regulations
- Federal and state privacy laws
- Do Not Call Registry requirements
9. Limitation of Liability
To the maximum extent permitted by law, Medicare Guides shall not be liable for:
- Any direct, indirect, incidental, or consequential damages
- Loss of profits, data, or other intangible losses
- Any actions or omissions of third-party service providers
- Any insurance coverage decisions or benefit determinations
10. Indemnification
You agree to indemnify and hold harmless Medicare Guides from any claims, damages, or expenses arising from your use of our services or your interactions with third-party service providers.
11. Prohibited Uses
You may not use our services for:
- Any unlawful purpose or activity
- Providing false or misleading information
- Attempting to gain unauthorized access to our systems
- Interfering with the proper functioning of our website
12. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of Medicare Guides or its licensors and is protected by copyright and other intellectual property laws.
13. Termination
We reserve the right to terminate or suspend your access to our services at any time, with or without notice, for any reason, including violation of these terms.
14. Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of our services constitutes acceptance of any modifications.
15. Governing Law
These terms shall be governed by and construed in accordance with the laws of the United States and the state in which Medicare Guides operates, without regard to conflict of law principles.
16. Severability
If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.
17. Entire Agreement
These terms, together with our Privacy Policy, constitute the entire agreement between you and Medicare Guides regarding the use of our services.
18. Contact Information
19. Medicare Disclaimer
IMPORTANT MEDICARE DISCLAIMER:
- We are not connected with or endorsed by the United States government or the federal Medicare program
- We are not a government agency
- We do not provide Medicare benefits or coverage
- We are not licensed to sell insurance in all states
- Insurance products and services are offered through licensed agents and carriers
- Benefits and coverage may vary by state and individual circumstances
20. Acknowledgment
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
This document was last updated on January 2025 and is effective immediately.