Terms of Use

Welcome to Medicare Health Connections (“we,” “us,” or “our”). We appreciate your interest in our services. These Terms and Conditions (“Terms”) serve as the legal framework governing your use of our website and associated services. Please carefully read and understand these Terms, as they form a binding agreement between you and Medicare Health Connections.

Your access to and use of our website constitute a binding agreement to comply with these Terms. Should you disagree with any part of these Terms, we kindly request you refrain from using our website and services.

By accessing our website, you acknowledge and agree to be bound by these Terms. Your use of our services indicates your acceptance of these Terms. If you do not agree to any provision herein, please do not use our website.

Medicare Health Connections reserves the right to update, modify, or replace these Terms at any time. Any changes become effective immediately upon posting. It is your responsibility to review these Terms regularly. Continued use of the website after modifications implies acceptance of the updated Terms.

In case of disputes related to these Terms, the parties commit to good faith negotiations, mediation, and binding arbitration, as specified in Section 11 (Dispute Resolution). The governing law for dispute resolution is determined by the laws of the jurisdiction where Medicare Health Connections is headquartered.

By agreeing to these Terms, you confirm that you are at least 18 years old or have obtained parental/guardian consent for website use. Users under 13 years old are not permitted to use our website.

Thank you for choosing Medicare Health Connections. Your trust is paramount to us, and we value your commitment to these comprehensive Terms and Conditions.

Modifications

1.1 Medicare Health Connections maintains the right to modify, update, or replace these Terms and Conditions (“Terms”) at its sole discretion. This section outlines the terms under which modifications occur and the implications for users.

1.2 Any alterations to these Terms will be effective immediately upon posting. Medicare Health Connections holds the right to implement changes without prior notice. It is the user’s responsibility to regularly review these Terms to stay informed about modifications.

1.3 While Medicare Health Connections strives to notify users of significant changes, including through website announcements or direct communications, users are advised to independently monitor these Terms for updates.

1.4 Your continued use of the website following modifications constitutes your acceptance of the updated Terms. If you disagree with any changes, please refrain from using the website. Users who continue to use the website after modifications are deemed to have accepted the revised Terms.

1.5 It is the user’s responsibility to stay informed about any modifications to these Terms. Ignorance of changes does not exempt users from the obligations outlined in the updated Terms.

1.6 Medicare Health Connections encourages users to review these Terms regularly to ensure awareness of any changes. The “Last Updated” date at the top of the Terms indicates the most recent modification.

1.7 Users are welcome to provide feedback on modifications. Constructive input is valued and can be submitted to [email protected].

Privacy Policy

2.1 Your engagement with the Medicare Health Connections website is subject to both these Terms and Conditions (“Terms”) and our Privacy Policy. This section clarifies the relationship between the Terms and the Privacy Policy to provide users with a comprehensive understanding of how their interactions are governed.

2.2 The Privacy Policy and these Terms work in tandem to regulate your experience on our website. While the Terms focus on your obligations and responsibilities, the Privacy Policy elucidates our practices regarding the collection, use, disclosure, and protection of your information.

2.3 To ensure a holistic comprehension of your rights, responsibilities, and our practices, it is imperative to review both the Terms and the Privacy Policy. Each document contributes distinct insights into your relationship with Medicare Health Connections.

2.4 By using our website, you express your consent to be bound by both the Terms and the Privacy Policy. Failure to review these documents does not absolve users from the obligations outlined therein.

2.5 Both the Terms and the Privacy Policy may undergo modifications at the discretion of Medicare Health Connections. Users are responsible for staying informed about changes, and it is advised to periodically review both documents.

2.6 In the event of any inconsistencies or conflicts between the Terms and the Privacy Policy, the Terms take precedence concerning the governance of your use of the website.

2.7 For inquiries, feedback, or concerns regarding the integration of the Terms and the Privacy Policy, please contact us at [email protected]

User Eligibility

3.1 By engaging with our website, you explicitly affirm that you are at least 18 years old. If you are between the ages of 13 and 18, you confirm that you have obtained the necessary consent from your parent or legal guardian to use our services.

3.2 For users between the ages of 13 and 18, the responsibility lies with parents or legal guardians to provide consent for the usage of our website. This ensures that individuals in this age group have the authorization to access and interact with our services.

3.3 If you are under the age of 13, you are strictly prohibited from using our website. We do not knowingly collect personal information from individuals under 13 years old. If you are a parent or guardian and become aware that your child under 13 has provided us with personal information without your consent, please contact us immediately to ensure prompt resolution.

3.4 In cases where the website is accessed for educational purposes by individuals under 13, it is the responsibility of educational institutions and organizations to ensure compliance with relevant privacy laws and obtain necessary consents.

3.5 Medicare Health Connections reserves the right to continuously monitor user accounts to ascertain compliance with the age requirements stated in these Terms. Violation of these requirements may result in the immediate termination of the user’s account and access to our website.

3.6 In certain instances, Medicare Health Connections may implement verification measures to confirm the age of users. Users may be required to provide additional information or documentation to establish their eligibility.

3.7 Users are responsible for updating their age status if they initially accessed the website with parental/guardian consent but have since reached the age of 18. This update should be made promptly to ensure accurate account information.

Intellectual Property

4.1 Ownership and Restrictions 

4.1.1 Ownership of Content

4.1.1.1 All content available on the Medicare Health Connections website, encompassing but not limited to text, graphics, logos, images, and software, is unequivocally recognized as the exclusive property of Medicare Health Connections. This proprietary ownership is safeguarded by and subject to the provisions of applicable intellectual property laws, including copyright, trademark, and other relevant statutes.

4.1.1.2 The term “content” encompasses every element presented on the website, whether created, developed, or curated by
Medicare Health Connections. This includes, but is not limited to, written materials, visual elements, multimedia presentations, and interactive features.

4.1.1.3 The intellectual property laws referred to in this section pertain to local, national, and international regulations that govern the protection of creative works. These laws grant Medicare Health Connections exclusive rights to the use, reproduction, distribution, and display of the content on the website. 

4.1.2 Restrictions on Usage

4.1.2.1 Unless explicitly granted otherwise, you are expressly prohibited from engaging in any of the following activities without the prior written consent of Medicare Health Connections:

Reproduction: You may not reproduce any content from our website in any form or medium, whether electronic, print, or otherwise.

• Distribution: The distribution of any content from our website, whether for commercial or non-commercial purposes, is strictly prohibited.

• Modification: Any alteration, adaptation, or modification of the content on our website is not permitted without our explicit written consent.

• Display: Displaying our content, whether publicly or privately, without authorization is a violation of these Terms and Conditions.

4.1.2.2 Any permissions for the activities outlined above must be explicitly granted in writing by Medicare Health Connections. Requests for such permissions should be directed to the appropriate contact, as specified in the “Contact Us” section of these Terms and Conditions.

4.1.2.3 Engaging in unauthorized activities related to the intellectual property of Medicare Health Connections may result in legal consequences, including but not limited to civil suits, damages, and injunctive relief.

Website Access and Use

5.1 License and Restrictions 

5.1.1 Limited License

5.1.1.1 Upon your agreement to comply with these Terms and Conditions, you are hereby granted a limited, non-exclusive, and revocable license by Medicare Health Connections. This license is specifically designed to afford you the privilege of accessing and utilizing our website for personal, non-commercial purposes only.

5.1.1.2 This license is non-transferable, meaning it is solely applicable to you as an individual user. You are explicitly prohibited from assigning, sublicensing, or otherwise transferring any rights granted under this license to any other party.

5.1.1.3 The license provided herein is revocable at the sole discretion of Medicare Health Connections. Your failure to adhere to the stipulations outlined in these Terms and Conditions may result in the immediate revocation of this license without prior notice. 

5.1.2 Restrictions on Use

5.1.2.1 In conjunction with the license granted, you expressly agree to the following restrictions on your use of our website:

5.1.2.2 The website is intended for personal, non-commercial purposes only. Any commercial use of the website requires explicit written consent from Medicare Health Connections.

5.1.2.3 You agree not to engage in any activity that violates applicable laws, regulations, or these Terms and Conditions.

5.1.2.4 You shall not participate in any activity that disrupts, damages, or interferes with the normal functioning of our website or adversely impacts the user experience of others.

5.1.2.5 Unauthorized attempts to access restricted areas of the website, server, or any data or information not intended for you are strictly prohibited.

5.1.2.6 Any attempt to introduce viruses, malware, or any other harmful code or elements that may compromise the security or integrity of the website or its users is expressly forbidden. 

5.1.2.2  Medicare Health Connections reserves the right to monitor your usage of the website to ensure compliance with these restrictions. We may take appropriate measures, including the suspension or termination of your access, in the event of any violations.

5.1.2.3 Engaging in activities that breach these restrictions may lead to legal consequences, including but not limited to legal action, damages, and injunctive relief.

User Account

6.1 Account Creation and Responsibilities 

6.1.1 User Account Creation

6.1.1.1 Mandatory Account Creation: Certain features of our website necessitate the creation of a user account. By opting to use these features, you acknowledge and agree to adhere to the terms and conditions outlined in this section.

6.1.1.2 Account Confidentiality

You are solely responsible for maintaining the confidentiality of all information associated with your user account, including but not limited to login credentials, passwords, and any other account-related details. This responsibility extends to ensuring that unauthorized individuals do not gain access to your account. 

6.1.2 Registration Information

6.1.2.1 Accuracy of Information

When creating your user account, you agree to provide accurate, current, and complete information as prompted by the registration form. This includes, but is not limited to, your name, contact details, and any other requested information.

6.1.2.2 Updating Information

You are responsible for promptly updating your registration information to maintain its accuracy. Failure to do so constitutes a breach of these Terms and Conditions. 

6.1.3 Account Activities

6.1.3.1 Sole Responsibility

You acknowledge and agree that you are solely responsible for all activities that occur under your user account. This includes any actions taken or content posted while logged into your account.

6.1.3.2 Security Measures

To mitigate unauthorized access and protect your account, you agree to implement appropriate security measures. This may include the use of strong, unique passwords and the implementation of additional security features provided by Medicare Health Connections.

6.1.3.3 Reporting Unauthorized Access

In the event of unauthorized access or any other security breach, you agree to promptly notify Medicare Health Connections. Timely reporting assists in the investigation and resolution of potential security issues.

Limitation of Liability

7.1 Disclaimer of Warranties 

7.1.1 Website and Services “As Is”

7.1.1.1 No Warranties or Guarantees

Our website and associated services are provided on an “as is” basis. We explicitly disclaim any warranties or guarantees, whether expressed or implied, including but not limited to the accuracy, reliability, or suitability for a particular purpose of the information provided. Users access and use our website at their own risk. 

7.2 Limitation of Liability 

7.2.1 Exclusion of Liability

7.2.1.1 General Limitation

We shall not, under any circumstances, be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from your use of our website or services. This includes, but is not limited to, damages for loss of profits, data, use, goodwill, or other intangible losses.

7.2.1.2 Legal Basis

This limitation of liability applies whether the claim is based on warranty, contract, tort (including negligence), or any other legal theory, even if we have been informed of the possibility of such damage.

7.2.1.3 Failure of Remedy

Even if a remedy outlined in these Terms and Conditions is found to have failed its essential purpose, our liability remains limited as specified herein.

7.2.1.4 Scope of Liability

Our disclaimer of warranties and limitation of liability extend to all aspects of our website and services, including but not limited to the information provided, third-party content, and interactions with AI bots.

7.2.1.5 Essential Basis

The parties acknowledge that the limitations set forth in this section are integral to the consideration provided for the use of our website and services. Any assumption of further liability would necessitate a substantial increase in consideration

Indemnification

8.1 User Responsibilities 

8.1.1 Indemnification Agreement 

8.1.1.1 By accessing and using our website, you expressly agree to indemnify, defend, and hold harmless Medicare Health Connections and its affiliates, including officers, directors, employees, agents, and representatives, from any and all losses, damages, liabilities, claims, or expenses arising out of or related to your use of our website.

8.1.1.2 This indemnification obligation encompasses, but is not limited to, claims arising from your violation of these Terms and Conditions, infringement of intellectual property rights, breach of any representation or warranty, or any other wrongful actions or omissions in connection with your use of our website.

8.1.1.3 You agree to indemnify Medicare Health Connections against any third-party claims, actions, or demands, including legal fees, arising from or related to your use of our website. This includes, but is not limited to, claims that your use of the website violated the rights of a third party.

8.1.1.4 Upon becoming aware of any claim or potential claim subject to indemnification, Medicare Health Connections reserves the right to assume the defense and control of such matter. You agree to cooperate fully in the defense of any such claim.

8.1.1.5 While Medicare Health Connections has the right to assume control of the defense, you retain the right to participate in the defense of any claim with counsel of your choosing at your own expense.

8.1.1.6 You shall not settle any claim without the prior written consent of Medicare Health Connections, which shall not be unreasonably withheld or delayed.

8.1.1.7 This indemnification provision does not apply to the extent that losses arise out of the willful misconduct or gross negligence of Medicare Health Connections.

8.1.1.8 In fulfilling the indemnification obligations, both parties agree to use reasonable efforts to mitigate any losses for which indemnification is sought.

Compliance with Laws

9.1 Legal Compliance 

9.1.1 You agree to use our website in full compliance with all applicable laws, regulations, and ordinances.

9.1.2 It is your responsibility to ensure that your use of our website complies with legal and regulatory requirements.

Termination of Services

10.1 Termination Rights 

10.1.1 We reserve the right to terminate or suspend your access to our website at our discretion, without notice, for any reason, including a breach of these Terms and Conditions.

Dispute Resolution

11.1 Dispute Resolution Process 

11.1.1 In the event of a dispute, both parties agree to make a good faith effort to resolve the issue through direct communication, mediation, and binding arbitration if necessary.

11.1.2 The arbitration proceedings shall be governed by the laws of the jurisdiction in which Medicare Health Connections is headquartered.

Amendments and Modifications

12.1 Notification of Changes 

12.1.1 We may update these Terms and Conditions periodically. You will be notified of any material changes, and continued use of our website constitutes acceptance of the updated terms.

Entire Agreement

13.1 Comprehensive Agreement

13.1.1 These Terms and Conditions, along with our Privacy Policy, constitute the entire agreement between you and Medicare Health Connections regarding the use of our website.

Severability

14.1 Validity of Provisions 14.1.1 If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

Contact Us

15.1 Contact Information

15.1.1 If you have any questions or concerns about these Terms and Conditions, please contact us at [email protected].

By using our website, you agree to these detailed Terms and Conditions. Thank you for choosing Medicare Health Connections.