1 Acceptance of These Terms

By accessing or using our website, mobile applications, tools, or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our related policies. If you do not agree, please do not use our website or services.

2 Who We Are

May River Medicare Insurance is a licensed, independent Medicare insurance agency, licensed in all 50 states and Washington, D.C. We help people compare and enroll in Medicare-related coverage, including Medicare Supplement (Medigap), Medicare Advantage, and Medicare Part D prescription drug plans.

We are not affiliated with or endorsed by the U.S. government, the federal Medicare program, or the Centers for Medicare & Medicaid Services (CMS). We do not offer every plan available in your area; any information we provide is limited to the plans we do offer. To review all of your options, you may contact Medicare.gov or 1-800-MEDICARE.

3 Informational Purpose — Not Advice

The content, guides, and tools on our website are provided for general educational and informational purposes only. They do not constitute medical, legal, tax, or financial advice, and they are not a substitute for the official plan documents or a personalized consultation with a licensed agent.

Medicare rules, benefits, premiums, and plan availability change over time and vary by location. You are responsible for verifying details that matter to you, and you must continue to pay your Medicare Part B premium to keep your coverage.

4 Our Tools, Calculators & Estimates

Our website offers interactive tools, calculators, and plan matchers. These are designed to help you learn and explore — their results are estimates and starting points, not guarantees or offers of coverage. Actual premiums, benefits, eligibility, and costs depend on your specific situation and the plans available in your ZIP code, and are confirmed only through a licensed agent and the carrier.

5 Eligibility

You must be at least 18 years of age and a resident of the United States to use our services. By using our website, you represent that you meet these requirements and that any information you provide is accurate and truthful.

6 Communications & Consent

By providing your contact information, you agree that we may contact you by phone, text message, and email to assist with your Medicare needs, subject to your consent and applicable law. Consent to receive automated marketing communications is not a condition of purchasing any product or service.

Message & data rates may apply. Message frequency varies. Reply HELP for help; STOP to opt out.

You may withdraw consent at any time as described in our communications and SMS consent practices.

7 Your Responsibilities

When using our website and services, you agree to:

• Provide accurate, current, and complete information
• Use our website and tools only for lawful, personal purposes
• Not attempt to disrupt, damage, or gain unauthorized access to our systems
• Not copy, scrape, reverse-engineer, or misuse our content or technology

8 Intellectual Property

All content, design, source code, tools, and technology on this website and in our applications — including our proprietary platform, theZwall Connect, developed and owned by XtreamData LLC — are protected by copyright, trademark, and other laws. You may not copy, reproduce, distribute, modify, or create derivative works from any part of our platform without prior written permission. Full details are provided in our Content Protection & Intellectual Property Statement.

9 Third Parties & Carriers

We work with insurance carriers and trusted service providers to offer and service coverage. We are not responsible for the products, decisions, websites, or practices of third parties, and any coverage you enroll in is governed by that carrier’s own terms and plan documents. Enrollment in a plan depends on carrier and contract requirements.

10 Privacy & Security

We take the privacy and security of your information seriously and handle it in accordance with our privacy and HIPAA practices. We do not sell your personal or health information, and we use secure systems to protect the information you share with us.

11 Disclaimers

Our website, tools, and content are provided “as is” and “as available,” without warranties of any kind, whether express or implied. While we work to keep information accurate and up to date, we do not warrant that it is complete, error-free, or current at all times. Your use of our website and tools is at your own discretion.

12 Limitation of Liability

To the fullest extent permitted by law, May River Medicare Insurance and its owners, agents, and technology providers will not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, our website, tools, or services, or from reliance on any information provided.

13 Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices, technology, or applicable law. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of our website after changes are posted means you accept the updated Terms.

14 Governing Law

These Terms are governed by the laws of the State of South Carolina, without regard to its conflict-of-law principles. Any dispute arising from these Terms or your use of our website will be subject to the exclusive jurisdiction of the state and federal courts located in South Carolina.