Terms of Use

Last Updated: January 1, 2025

1. Acceptance of the Terms of Use

These Terms of Use (“Agreement”) govern your access to and use of www.medicareadvisors.com (the “Website”) and any related content, functionality, or services offered through the Website. By accessing or using the Website, you agree to comply with and be bound by these Terms of Use, as well as our Privacy Policy, which is incorporated herein by reference and available at [medicareadvisors.com/privacy-policy]. If you do not agree with these Terms of Use, you must not access or use the Website.

This Website is intended solely for users who are at least 18 years old and reside in the United States or its territories. By using the Website, you represent and warrant that you meet these eligibility requirements.

 

2. Changes to Terms of Use

We reserve the right to modify, update, or revise these Terms of Use at our sole discretion. Any changes will be effective immediately upon posting. Your continued use of the Website after such changes constitutes your acceptance of the revised Terms of Use. We encourage you to review this page periodically for updates.

 

3. Accessing the Website and Account Security

We reserve the right to modify, suspend, or withdraw the Website or any services provided on the Website at any time without prior notice. We are not liable if the Website is unavailable at any time for any period. Access to certain parts of the Website may be restricted at our discretion.

You are responsible for:

• Ensuring your access to the Website.
• Ensuring that all individuals who access the Website via your internet connection comply with these Terms of Use.

4. Intellectual Property Rights

The Website, its content, features, and functionality (including but not limited to all software, text, images, video, audio, and the arrangement thereof) are owned by Medicare Advisors Group or its licensors and are protected by U.S. and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes. You agree not to:

• Reproduce, distribute, modify, or create derivative works of any content from the Website, except as allowed by this Agreement.
• Use the content for commercial purposes without our prior written consent.
• Remove any copyright, trademark, or proprietary notices from the Website’s materials.

5. Trademarks

The Company’s name, logo, and any associated marks are trademarks of Medicare Advisors Group or its affiliates. You may not use these trademarks without express written consent from the Company. All other trademarks on the Website are the property of their respective owners.

 

6. Prohibited Uses

You agree not to use the Website in any manner that:

• Violates any applicable law or regulation.
• Exploits or harms minors.
• Transmits unsolicited advertising or promotional materials.
• Impersonates the Company, its employees, or other users.
• Restricts or inhibits others from using the Website.

Additionally, you may not:

• Interfere with or disrupt the functionality of the Website or servers.
• Use automated devices or processes to access or copy Website content.
• Introduce malicious code such as viruses or malware.
• Attempt unauthorized access to any part of the Website or its servers.

7. Monitoring and Enforcement; Termination

We reserve the right to:

• Take legal action for unauthorized or illegal use of the Website.
• Suspend or terminate your access to the Website for violating these Terms of Use.

You agree to indemnify and hold harmless the Company from any claims resulting from such actions.

 

8. Reliance on Information Posted

The information provided on the Website is for general informational purposes only. We do not guarantee the accuracy, completeness, or usefulness of any information posted on the Website. Reliance on such information is at your own risk.

Third-party content on the Website does not reflect our views, and we are not responsible for its accuracy or reliability.

 

9. Changes to the Website

We may update or modify the content of the Website periodically. However, the information on the Website may not always be complete or current.

 

10. Information About You and Your Visits to the Website

Our collection and use of personal information are governed by our Privacy Policy. By using the Website, you consent to the practices described in the Privacy Policy.

 

11. Linking to the Website

You may link to the Website’s homepage, provided the link is fair, legal, and does not harm the reputation of the Company.

 

12. Links from the Website

The Website may contain links to third-party websites. These links are provided for convenience, and we do not endorse or control the content of these external sites. Accessing third-party websites is done at your own risk.

 

13. Geographic Restrictions

The Website is operated from the United States and is intended for use only by individuals in the United States and its territories. Accessing the Website from other jurisdictions may be prohibited.

 

14. Disclaimer of Warranties

The Website is provided “as is” and “as available,” without warranties of any kind, either express or implied. We do not warrant that the Website will be free from errors, viruses, or other harmful components. Use of the Website is at your own risk.

 

15. Limitation on Liability

To the maximum extent permitted by law, neither the Company nor its affiliates will be liable for any damages arising from your use or inability to use the Website, including but not limited to direct, indirect, incidental, or consequential damages.

 

16. Indemnification

You agree to indemnify and hold harmless the Company, its affiliates, employees, and agents from any claims, liabilities, damages, or costs (including legal fees) arising from your violation of these Terms of Use or use of the Website.

 

17. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of the State of Colorado, without regard to conflict-of-law principles. Any legal actions arising out of or related to these Terms of Use shall be brought exclusively in the courts located in Larimer County, Colorado.

 

18. Arbitration

The Company reserves the right to require arbitration for any disputes arising from these Terms of Use, under the rules of the American Arbitration Association and applicable Colorado law.

 

19. Limitation on Time to File Claims

Any claims arising from your use of the Website must be filed within one (1) year of the date the cause of action accrues, or the claim will be permanently barred.

 

20. Waiver and Severability

No waiver of any provision of these Terms of Use shall be deemed a continuing waiver, and failure to assert any right does not constitute a waiver. If any provision is deemed invalid or unenforceable, the remaining provisions will remain in effect.

 

21. Entire Agreement

These Terms of Use and our Privacy Policy constitute the entire agreement between you and Medicare Advisors Group regarding the Website, superseding all prior agreements and understandings.