Terms & Conditions
Welcome to Senior Coverage Quote. These Terms & Conditions ("Terms") govern your access to and use of the Senior Coverage Quote website, including any quote forms, information requests, contact forms, and other services or features made available through the website (collectively, the "Site").
By accessing or using the Site, submitting a request for information or an insurance quote, requesting that we contact you, providing your telephone number or email address, or otherwise interacting with the Site, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Site.
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Our Service
Senior Coverage Quote is an informational and lead-generation website designed to help consumers explore Medicare-related insurance options and connect with insurance professionals or other service providers.
We may provide information about Medicare insurance products, plans, coverage options and related services. We may also provide links or referrals to insurance agents, agencies, carriers, marketing partners, or other third-party service providers.
Senior Coverage Quote does not itself guarantee that you will qualify for, be approved for, or receive any particular insurance plan, policy, rate, benefit, or coverage. Any insurance product, plan, policy, premium, benefit, eligibility determination, or coverage offered through a third party is subject to that provider's applicable terms, conditions, underwriting requirements, availability, and applicable law.
Senior Coverage Quote does not provide legal, tax, investment, or financial advice.
No Guarantee of Coverage
Submitting your information through the Site does not guarantee that:
- You will qualify for Medicare or any Medicare-related insurance product
- You will be approved for coverage
- You will receive a particular premium or rate
- An insurance carrier or agent will offer you coverage
- A particular plan will be available in your area
- Any third party will contact you
Insurance plans, benefits, costs, availability, eligibility requirements and coverage options may vary by location and individual circumstances.
You should review all plan documents and applicable terms provided by the insurance carrier or licensed insurance professional before making any insurance decision.
User Information
During your use of the Site, you may be asked to provide information such as your name, ZIP code, telephone number, email address, and information relating to your insurance interests or needs ("User Information"). You are responsible for ensuring that the information you provide is accurate and complete.
Our collection and use of User Information is described in our Privacy Policy, which is incorporated into these Terms by reference. We may retain, use, process, or delete User Information in accordance with our Privacy Policy and applicable law.
Consent to Contact
By submitting your contact information through the Site, you may be contacted by Senior Coverage Quote and/or third parties regarding your request for Medicare-related information, insurance products, plans, services, or quotes. Depending on your consent and the information you provide, communications may occur by:
- Telephone call
- Text message / SMS
- Automated dialing technology
- Pre-recorded messages
- Other permitted electronic communication methods
By submitting a request, you understand that the telephone number and email address you provide may be used to contact you regarding your request. Message and data rates may apply.
You may opt out of marketing communications at any time by following the applicable unsubscribe instructions or by contacting us using the contact information provided on the Site. Opting out of marketing communications may not prevent communications necessary to respond to a request you initiated or to provide services you have requested.
Third-Party Insurance Providers
The Site may connect you with third-party insurance agents, agencies, carriers, or other service providers. These third parties operate independently of Senior Coverage Quote and may have their own terms, privacy policies and practices.
Senior Coverage Quote does not control and is not responsible for:
- The conduct of third-party insurance providers
- The accuracy of information provided by third parties
- The availability of third-party products or services
- Decisions regarding eligibility or enrollment
- Insurance applications or approvals
- The terms of insurance policies
- Communications between you and a third-party provider
Any insurance policy or plan you purchase or apply for is governed by the terms and conditions established by the applicable insurance provider.
Website Access
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Site for fraudulent or unlawful purposes
- Submit false, misleading, or inaccurate information
- Attempt to interfere with the operation or security of the Site
- Access areas of the Site that you are not authorised to access
- Introduce malicious software, viruses, or harmful code
- Scrape, copy, reproduce, or systematically collect Site content without permission
- Use automated systems to access the Site in a manner that could interfere with its operation
- Use the Site in a manner that violates applicable laws or regulations
We reserve the right to suspend, restrict, modify, or terminate access to the Site at any time, with or without notice, where permitted by law.
Intellectual Property
Unless otherwise stated, the Site and its content — including text, graphics, logos, designs, photographs, software, layout and other materials — are owned by or licensed to Senior Coverage Quote and are protected by applicable intellectual property laws. You may access and use the Site for personal, non-commercial purposes.
You may not, without our prior written permission:
- Copy or reproduce substantial portions of the Site
- Modify Site content
- Sell or commercially exploit Site content
- Distribute Site materials
- Reverse engineer Site software
- Create derivative works from Site content
- Use Senior Coverage Quote's name, branding, logos, or trademarks without authorisation
Third-party trademarks and logos appearing on the Site belong to their respective owners.
User Submissions
If you voluntarily submit comments, suggestions, feedback, questions, or other materials to us, you grant us permission to use such submissions for legitimate business purposes, subject to applicable law and our Privacy Policy.
You should not submit confidential information through general feedback forms unless specifically requested.
Disclaimer of Warranties
THE SITE AND ALL INFORMATION, CONTENT, SERVICES, AND MATERIALS MADE AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, TO THE MAXIMUM EXTENT PERMITTED BY LAW.
SENIOR COVERAGE QUOTE DOES NOT WARRANT THAT:
- THE SITE WILL ALWAYS BE AVAILABLE
- THE SITE WILL BE ERROR-FREE
- INFORMATION ON THE SITE WILL ALWAYS BE COMPLETE, CURRENT, OR ACCURATE
- THE SITE WILL MEET YOUR PARTICULAR REQUIREMENTS
- THE SITE WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS
- ANY INSURANCE PRODUCT, QUOTE, PLAN, OR SERVICE WILL BE AVAILABLE TO YOU
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SENIOR COVERAGE QUOTE DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SENIOR COVERAGE QUOTE AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, SERVICE PROVIDERS, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY SERVICES PROVIDED THROUGH THE SITE.
THIS INCLUDES, TO THE EXTENT PERMITTED BY LAW, DAMAGES ARISING FROM RELIANCE ON INFORMATION PRESENTED ON THE SITE OR FROM YOUR DEALINGS WITH THIRD-PARTY INSURANCE PROVIDERS.
NOTHING IN THESE TERMS IS INTENDED TO EXCLUDE OR LIMIT LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Third-Party Links
The Site may contain links to third-party websites, services, or resources. These links are provided for convenience and informational purposes. Senior Coverage Quote does not control third-party websites and is not responsible for their content, availability, privacy practices, security, products, services, or terms.
The inclusion of a third-party link does not necessarily constitute an endorsement, sponsorship, or affiliation with the third party. You access third-party websites at your own risk and should review their applicable terms and privacy policies.
Medicare Disclaimer
Senior Coverage Quote is an independent website and is not affiliated with or endorsed by the U.S. government or the Centers for Medicare & Medicaid Services (CMS) unless expressly stated otherwise.
Medicare is a federal health insurance program. Medicare-related insurance products and services may be offered by private insurance companies and are subject to applicable federal and state laws, plan terms, eligibility requirements and availability.
Senior Coverage Quote does not represent that any particular Medicare plan is available to every individual.
Privacy
Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, disclose and protect information submitted through the Site.
By using the Site, you acknowledge that you have had an opportunity to review our Privacy Policy.
Changes to These Terms
We may modify these Terms from time to time. Any updated Terms will be posted on the Site with a revised "Last Updated" date. Your continued use of the Site after updated Terms are posted constitutes your acceptance of the revised Terms, to the extent permitted by law.
Severability
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect.
Governing Law
These Terms shall be governed by and interpreted in accordance with the laws applicable to the jurisdiction in which Senior Coverage Quote's business entity is legally organised, without regard to conflict-of-law principles, except where applicable law requires otherwise.
Any dispute arising out of or relating to these Terms or your use of the Site shall be handled in a court of competent jurisdiction, subject to applicable law.
Contact Us
If you have questions about these Terms & Conditions, please contact:
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Phone (406) 369-9471
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Address 1001 S Main StKalispell, MT 59901
By using the Senior Coverage Quote website, submitting a quote or information request, or otherwise interacting with the Site, you acknowledge that you have read, understood and agreed to these Terms & Conditions.
