Terms of Use

By accessing or using the Client Care Solutions website (the "Site"), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this Site.

These terms constitute a legally binding agreement between you and Client Care Solutions ("we," "us," or "our") governing your use of the Site.

This Site is an informational resource designed to help individuals learn about Medicare plan options, including Medicare Advantage, Part D prescription drug plans, and Medigap (Medicare Supplement) plans. The Site allows users to request consultations with licensed insurance agents who can provide personalized guidance.

The Site is operated by Client Care Solutions, a Field Marketing Organization (FMO) that partners with licensed insurance agents and multiple insurance carriers to provide Medicare plan information.

This Site is intended for individuals who are eligible for Medicare, including:

• Individuals age 65 or older
• Individuals under 65 with qualifying disabilities
• Individuals with End-Stage Renal Disease (ESRD) or ALS
• Caregivers or family members assisting someone with Medicare decisions

By using this Site, you represent that you are at least 18 years of age and have the legal capacity to enter into these terms. If you are using this Site on behalf of someone else, you represent that you have the authority to do so.

When using this Site, you agree to:

• Provide accurate and truthful information when submitting forms
• Use the Site for lawful purposes only
• Not attempt to disrupt, disable, or overload the Site or its servers
• Not use automated tools (bots, scrapers) to extract data without authorization
• Not submit false, misleading, or fraudulent inquiries
• Respect the intellectual property rights of Client Care Solutions and third parties

The information provided on this Site is for educational purposes only and is not intended to replace professional advice. We do not offer every plan available in your area. Currently, we represent multiple organizations that offer Medicare Advantage Plans, Prescription Drug Plans, and Medigap policies.

For complete information on all available plans in your area, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP). For our full Medicare disclaimer, please visit our Medicare Disclaimer page.

Plan availability varies by location, carrier, and enrollment period. We do not guarantee that any specific plan will be available in your area or that you will be eligible to enroll. Plan benefits, premiums, and coverage areas are subject to change by the insurance carriers and the Centers for Medicare & Medicaid Services (CMS).

Enrollment in any plan is subject to the terms, conditions, and eligibility requirements set forth by the insurance carrier and applicable Medicare regulations.

All content on this Site, including text, graphics, logos, images, and software, is the property of Client Care Solutions or its content providers and is protected by United States and international copyright laws. You may not:

• Reproduce, distribute, or publicly display any content without our written permission
• Use any trademarks, service marks, or trade names without authorization
• Modify, reverse engineer, or create derivative works from the Site
• Use any data mining or extraction tools on the Site

You may view and use the Site for personal, non-commercial purposes only.

This Site may contain links to third-party websites, including Medicare.gov, insurance carrier websites, and other resources. These links are provided for your convenience and do not signify that we endorse the third-party websites or their content.

We are not responsible for the privacy practices, content, or accuracy of third-party websites. You access these websites at your own risk and should review their terms of use and privacy policies.

To the fullest extent permitted by law, Client Care Solutions and its officers, directors, employees, agents, and licensors shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, or business opportunities
• Errors or omissions in the content of the Site
• Delays or interruptions in access to the Site
• Actions or omissions of third-party service providers, including licensed insurance agents
• Decisions made based on information obtained from the Site

Your use of the Site is at your sole risk. The Site is provided on an "as is" and "as available" basis.

The Site and its content are provided without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Site will be uninterrupted, error-free, or secure
• Warranties that the information is accurate, complete, or current
• Warranties regarding the availability of any specific Medicare plan

We do not warrant that the Site will meet your requirements or that the results obtained from its use will be reliable or accurate. Any reliance on the Site is at your own risk.

You agree to indemnify, defend, and hold harmless Client Care Solutions and its officers, directors, employees, agents, and licensors from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of or inability to use the Site
• Your violation of these Terms of Use
• Your violation of any third-party rights, including intellectual property rights
• Any false or misleading information you submit through the Site

These Terms of Use shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions. Any dispute arising from or relating to these terms shall be resolved exclusively in the state or federal courts located in Virginia.

If any provision of these terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

We reserve the right to modify these Terms of Use at any time. When we make material changes, we will update the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes acceptance of the revised terms.

We encourage you to review these terms periodically to stay informed of any updates.

If you have any questions about these Terms of Use, please contact us at:

• Email: info@clientcaresolutions.com
• Phone: +1 757-929-5957
• Address: 1234 Center Creek Way, Suite 100, Virginia Beach, VA 23462

For information about how we handle your personal data, please review our Privacy Policy.