Terms and Conditions
Last Updated: October 10, 2024
Legal & Compliance Center:
These Terms and Conditions (“Terms”) govern your use of the May River Medicare Insurance website, mobile applications, and any related services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you should not use the Services.
1. Who We Are
May River Medicare Insurance is an independent insurance agency that helps individuals understand and compare Medicare-related plans. We are not connected with or endorsed by the U.S. government or the federal Medicare program. Our goal is to provide education and assistance so you can make informed decisions about your coverage.
2. Informational Purpose Only
The information on our website and in our apps is provided for general educational and informational purposes. It is not legal, tax, or medical advice and should not be used as a substitute for professional advice from qualified advisors.
Plan availability, benefits, premiums, and rules may change at any time. You should verify all plan details directly with the carrier or a licensed agent before making enrollment decisions.
3. Eligibility to Use Our Services
You must be at least 18 years of age and reside in the United States to use our Services. By using the Services, you represent and warrant that:
- You are at least 18 years old; and
- You have the legal capacity to enter into these Terms; and
- You will comply with these Terms and all applicable laws.
4. Your Responsibilities
When using our Services, you agree that you will:
- Provide accurate, current, and complete information when requested.
- Use the Services only for lawful purposes and in accordance with these Terms.
- Not attempt to interfere with, disrupt, or compromise the security or integrity of the Services.
- Not use automated tools (such as bots, scrapers, or crawlers) without our prior written permission.
- Not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Services without authorization.
5. No Guarantee of Coverage or Plan Availability
Quotes, comparisons, and plan recommendations generated by or through the Services are based on information available at the time and the information you provide to us. We do not guarantee:
- Eligibility for any particular insurance plan;
- Approval of any application or enrollment;
- Availability of any specific premium or benefit level;
- That a particular plan will remain available in the future.
Final eligibility, pricing, and coverage are determined solely by the issuing insurance carrier.
6. Intellectual Property
All content on the Services, including text, graphics, logos, icons, images, and layout, is owned by May River Medicare Insurance or our licensors and is protected by applicable intellectual property laws.
You may not copy, reproduce, modify, distribute, display, publish, or create derivative works from any content on the Services without our prior written consent, except as reasonably necessary for your personal, non-commercial use of the Services.
7. Third-Party Links and Tools
The Services may include links to third-party websites or tools, such as scheduling platforms (e.g., Calendly), quote engines, or external resources. These third-party services are not under our control, and we are not responsible for their content, security, or privacy practices.
Your use of any third-party websites or services is at your own risk and is governed by the terms and privacy policies of those third parties.
8. Communications, SMS, and Phone Calls
By providing your phone number, you consent to receive calls and SMS messages from May River Medicare Insurance as described in our Privacy Policy and our TCPA & SMS Consent Policy.
Message frequency may vary. Standard message and data rates may apply. You can opt out of SMS at any time by replying STOP to any message you receive from us.
9. Disclaimers
THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components, or that any defects will be corrected.
10. Limitation of Liability
To the fullest extent permitted by law, May River Medicare Insurance and its owners, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to:
- Your use of or inability to use the Services;
- Any errors or omissions in the content of the Services;
- Any actions taken based on information provided through the Services;
- Any unauthorized access to or use of our systems or your information.
Our total liability for any claim arising out of or relating to the Services or these Terms will not exceed the amount, if any, that you paid directly to us for the specific service giving rise to the claim.
11. Indemnification
You agree to indemnify, defend, and hold harmless May River Medicare Insurance and its owners, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:
- Your use or misuse of the Services;
- Your violation of these Terms;
- Your violation of any applicable law or third-party rights.
12. Changes to the Services
We may modify, suspend, or discontinue any part of the Services at any time, with or without notice, including features, content, or availability. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Services.
13. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the Services after any changes are posted constitutes your acceptance of the revised Terms.
14. Governing Law
These Terms and any disputes arising out of or relating to your use of the Services are governed by the laws of the State of South Carolina, without regard to its conflict of law principles.
15. Contact Us
If you have questions or concerns about these Terms and Conditions, please contact:
May River Medicare Insurance
7 Hickory Trace
Bluffton, SC 29910
Phone: (843) 227-6725
Email:
chrisdewey@mayrivermedicare.org