Terms & Conditions

A legal disclaimer

📄 Terms and Conditions

Effective Date: [Insert Date]

Welcome to [Your Business Name or Website URL] (the "Site"). By accessing or using this Site, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please do not use the Site.

1. Who We Are

This website is owned and operated by a licensed insurance agent in the state of Texas. We are not affiliated with or endorsed by the U.S. government, Medicare, or any federal program. This site is intended for informational and educational purposes related to Medicare insurance and related services.

2. Use of the Site

By using this Site, you agree that:

You are at least 18 years of age
You will not use this Site for any unlawful purpose
Any information you provide is accurate and not misleading
You will not attempt to gain unauthorized access to any part of the Site or its systems

3. No Government Affiliation

This is a privately owned website operated by a licensed insurance agent. It is not affiliated with, endorsed by, or authorized by the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or the Department of Health and Human Services (HHS).

4. Information Accuracy

We strive to provide up-to-date and accurate information about Medicare plans and services. However:

We do not guarantee that all content is current, complete, or free of errors
Information may change based on plan availability, regulatory updates, or CMS guidance

For the most accurate and complete Medicare information, please visit www.Medicare.gov or call 1-800-MEDICARE.

5. Plan Availability Disclosure

We do not offer every plan available in your area. Currently, we represent 8 organizations that offer 75 Medicare plansin Texas. For a full list of your options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).

6. No Guarantees or Advice

This website is for informational purposes only and does not constitute legal, financial, or healthcare advice. Decisions about Medicare coverage should be made in consultation with licensed professionals and based on your personal needs.

7. Privacy

Your use of this Site is also governed by our Privacy Policy. By using the Site, you agree to the collection and use of information as described there.

8. Intellectual Property

All content on this Site (including text, graphics, logos, and downloadable materials) is the property of [Your Business Name] unless otherwise noted. You may not reproduce, distribute, or use our content without written permission.

9. Third-Party Links

This Site may contain links to third-party websites (e.g., Medicare.gov or insurance carriers). We are not responsible for the content or privacy practices of those websites.

10. Limitation of Liability

We are not liable for:

Any errors or omissions on this website
Any decisions you make based on the information provided
Technical issues, outages, or damages resulting from use of the Site

11. Modifications

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with a new effective date. Continued use of the Site means you accept the updated terms.

12. Contact Us

If you have any questions about these Terms, please contact:

[Your Name or Agency Name]
Licensed Medicare Insurance Agent in Texas
📧 Email: [your email address]
📞 Phone: [your phone number]
NPN: [your National Producer Number]

Terms & Conditions - the basics

Having said that, Terms and Conditions (“T&C”) are a set of legally binding terms defined by you, as the owner of this website. The T&C set forth the legal boundaries governing the activities of the website visitors, or your customers, while they visit or engage with this website. The T&C are meant to establish the legal relationship between the site visitors and you as the website owner.

T&C should be defined according to the specific needs and nature of each website. For example, a website offering products to customers in e-commerce transactions requires T&C that are different from the T&C of a website only providing information (like a blog, a landing page, and so on).

T&C provide you as the website owner the ability to protect yourself from potential legal exposure, but this may differ from jurisdiction to jurisdiction, so make sure to receive local legal advice if you are trying to protect yourself from legal exposure.

What to include in the T&C document

Generally speaking, T&C often address these types of issues: Who is allowed to use the website; the possible payment methods; a declaration that the website owner may change his or her offering in the future; the types of warranties the website owner gives his or her customers; a reference to issues of intellectual property or copyrights, where relevant; the website owner’s right to suspend or cancel a member’s account; and much, much more.

To learn more about this, check out our article “Creating a Terms and Conditions Policy”.