Terms of Service
Last Updated: January 1, 2025
1. Agreement to Terms
By accessing and using the website seniorsbenefitalert.com ("Website"), operated by Seniors Benefit Alert ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website.
2. Description of Services
Seniors Benefit Alert provides information about Medicare Advantage plans and connects users with licensed insurance agents. We are a third-party marketing organization and non-government entity. We do not provide insurance directly and are not an insurance broker or carrier.
3. Eligibility
Our services are intended for individuals who are eligible for Medicare or are seeking information on behalf of someone who is Medicare-eligible. By using our Website, you represent that you meet these eligibility requirements.
4. No Medical Advice
The information provided on our Website is for informational purposes only and should not be considered medical advice. Always consult with qualified healthcare professionals for medical decisions and advice about your health and treatment options.
5. No Guarantee of Enrollment
We do not guarantee enrollment in any Medicare Advantage plan. Enrollment is subject to plan availability, eligibility requirements, and approval by the insurance carrier. There is no obligation to enroll in any plan.
6. Licensed Insurance Agents
When you provide your information through our Website, you consent to be contacted by licensed insurance agents who can provide information about Medicare Advantage plans. These agents are independent and not employees of Seniors Benefit Alert.
7. Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, reliability, or availability of the information on our Website. Plan details, benefits, and availability may change.
8. User Responsibilities
You agree to:
- Provide accurate and truthful information
- Use the Website only for lawful purposes
- Not interfere with the Website's operation
- Not attempt to gain unauthorized access to our systems
- Not use the Website to transmit harmful or malicious content
9. Intellectual Property
All content on our Website, including text, graphics, logos, and software, is the property of Seniors Benefit Alert or our licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
10. Third-Party Links and Content
Our Website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of these third-party sites. Your use of third-party sites is at your own risk.
11. Disclaimer of Warranties
OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, SENIORS BENEFIT ALERT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
13. Indemnification
You agree to indemnify, defend, and hold harmless Seniors Benefit Alert, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from your use of our Website or violation of these Terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Seniors Benefit Alert operates, without regard to conflict of law principles.
15. Dispute Resolution
Any disputes arising from these Terms or your use of our Website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted on an individual basis and not as a class action.
16. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our Website. Your continued use of the Website after changes constitutes acceptance of the modified Terms.
17. Termination
We may terminate or suspend your access to our Website at any time, without prior notice or liability, for any reason, including breach of these Terms.
18. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
19. Entire Agreement
These Terms constitute the entire agreement between you and Seniors Benefit Alert regarding the use of our Website and supersede all prior agreements and understandings.
20. Contact Information
If you have questions about these Terms of Service, please contact us at: