Term Rate Finder

Legal Terms of Service

The subsequent legal terms of use dictate all acceptable uses of the site known as medicare-cost.com, which will herein be described as the “Site.” medicare-cost.com has published the Site for public access; as such, they are represented in this contract as the “Site proprietor” (or “we” for short). BY USING THIS SITE IN ANY WAY, YOU AGREE TO AUTOMATICALLY ACCEPT THE TERMS OF THIS LEGAL DOCUMENT AS IT PERTAINS TO YOUR USE OF THIS SITE.

If you choose to disagree with this set of legal terms, then you have no right to access the Site or use it in any form. Also, this contract is subject to periodic changes that occasionally occur without notice. These alterations are made through direct posts to the Site. It is your job to stay current on these terms at all times. You are expected to read all off the stipulations contained within this agreement, and you must abide by each and every term. If your use of the Site occurs in conjunction with a modified version of this legal information, then you explicitly promise to follow all such modifications contained in the updated agreement.

This Site is only for use by those aged 18 years or older. All users must be residents of the United States.

Description of Site Services: Through the Site, we offer a service that lets consumers apply for insurance and quotation discounts. Both of these options are provided by our network of brokers, representatives and agents. Other service providers are also not limited from inclusion. Our aim is to give useful data that people can apply to their own decision making processes regarding insurance offers and organized discount incentives.

When you submit the proper information that is required to tender an online request, every attempt will be made to match you with compatible brokers, agents, discount groups and other businesses.

Our Site does not issue any kind of bind coverage. We are also not issuers of insurance contracts, and we choose not to endorse any specific insurance retailers, policies or agents. We avoid offering advice regarding tax or finances. We cannot guarantee that coverage will be provided by those that contact you as a result of your application; this includes all agents, companies and brokers.

Furthermore, the conduct of insurance agents is in no way our responsibility, and we cannot be held accountable for any of their actions. The behavior of any individual or organization we match you with is governed by their own contracts. If you desire personal recommendations or specific tips, you should seek the help of a professional insurance broker or agent.

With sole discretion, the Site Proprietor reserves the right to suspend, alter, cease or discontinue any part of the site. This right is not limited to available content, special features or times of availability. Limits of use may be imposed at any time, and internal access may be restricted in part or whole. This clause can be invoked for any reason, and it can happen without any notice being granted or penalty being applied.

Use of this site incurs no fees or expenses. No payment shall be necessary.

Proprietary Rights: In the relationship between you and the Site Proprietor, all data contained within the Site is covered under their exclusive ownership. The content controlled by the Site Proprietor includes coding, design elements, organization of materials, compilation data, the aesthetics and the overall feel. All rights are solely retained by the Site Proprietor, especially intellectual property rights and proprietary rights thereafter. Extension of these rights is not limited to the aforementioned factors.

Your ability to use the Site does not constitute ownership of the content, context, coding or materials contained therein. Unauthorized commercial use will be considered exploitation. All forms of exploitation are expressly prohibited. You are allowed to look at the content of the Site via a personal computer or Internet-ready gadget. For personal, non-commercial use, you are also granted the right to make single page copies of the content. Otherwise, you may not make any reproductions or copies. Distribution is banned unless it adheres to the rules listed above. Rights for transmission are fully denied unless permission is personally granted, which is extremely rare and unusual.

If your use of the Site deviates from the terms explicitly detailed above, you will be found in violation of copyright laws in the United States. Other criminal violations can also be documented. All applicable state and international laws will be applied to fullest extent possible. Any form of unauthorized use of this Site will lead to you being subjected to liability. The license is never granted for users of the Site to use our brand name, trademarks and logos. All third party symbols belong to their proper owners.

User Submissions: During the time that you use the Site, you will be expected to submit basic information and materials. Although the data may be requested, all input is given on your own accord. Examples of User Submissions are not limited to applications for insurance or quotations. This kind of information encompasses all communications on the Site and email. The Site’s Privacy Policy dictates our guidelines for respecting the privacy of our users’ sensitive personal information. Our collection practices rigidly follow these rules. While we work hard to preserve confidentiality, it is impossible for us to make any guarantees of perfect data security. As such, you must acknowledge that we promise no protections for anything that you share, post or disseminate.

You must acknowledge sole responsibility for the content of all User Submissions. We cannot be held accountable for the maintenance of any User Submissions we receive, and they may be destroyed at any moment. The right to refuse some User Submissions is also expressly reserved. It is up to our discretion whether any User Submission is inappropriate, illegal, or in opposition to the legal terms laid forth in this contract. No appeals are granted and decisions are final. Resubmission of previously removed posts can and will lead to a complete membership redaction.

User Conduct: During your use of this Site, you officially declare an agreement to not upload, share, or submit the following materials for distribution: (1) items covered by copyright or intellectual property laws, unless permission has been obtained from the rights holder; (2) anything abusive, threatening, hateful, defaming, false, deceitful, distasteful, obscene, illegal, antagonizing, cruel, violent, invasive, sexually explicit or graphic; (3) material that subtracts from others ability to use or enjoy the Site; (4) language or visuals that promote crimes and unlawful behaviors, thus invoking civil liabilities; (5) viruses, worms, malware, spyware, Trojan horses, misleading links, dubious claims, spam, false advertisements and other potentially harmful elements.

You also declare agreement indicating that you shall not: (1) commit an act of impersonation or misrepresentation of identity or affiliation; (2) use or distribute any material from the Site for commercial purposes or gains; (3) scrape the database, or any similar activity that accesses our list of users for conducting spam operations, like pyramid schemes, through the Site; (4) try to gain unauthorized entry into any other computers or devices through the site. You agree that your use of the Site will never be in forms that could harm, hinder, strain or debilitate the Site. Interference with any other party’s use of the site is also banned. You are also not allowed to access any publications that were not intentionally made available to the public. Attempts to obtain unauthorized data will result in termination. Any activity that we deem to be a form of hacking will be dutifully prosecuted to the maximum extent of our capabilities in compliance with American laws.

Everyone affiliated with the Site Proprietor is to be defended and indemnified by you. You agree to protect all officers, operators, workers, agents and associates against all legal claims. You hold them harmless against all liabilities, claims, and expenses; otherwise, it will be considered a breach of this contract. Misuse of this Site shall result in your need to cover all legal fees and attorney expenses. Any problems that arise as a result of your using this site to transmit or convey damaging messages will be treated as a direct violation of your commitment to this contract.

WARRANTY DISCLAIMERS. THIS SITE, AND, WITH ZERO LIMITATIONS, ALL SERVICES, MATERIALS, CAPACITIES AND TOOLS, IS PROVIDED TO YOU “AS IS”. THIS “AS AVAILABLE” STATUS HAS NO WARRANTY OF ANY KIND, STATED OR IMPLIED. WITH ZERO LIMITATIONS, ALL WARRANTIES FOR INFORMATION, PROCESSING, UNINTERRUPTED USE, CONTENT AVAILABILITY, TECHNICAL ACCURACY, HELPFULNESS, NON-INFRINGEMENT, FITNESS FOR SPECIFIC USES, AND SELLABILITY. ALL WARRANTIES ARE HEREBY DISVOWED AND DISCLAIMED. NO WARRANT SHALL BE ISSUD REGARDING THE SITE AND SERVICES, OR CONTENT AND FUNCTIONS STORED WITHIN. WARRANTS WILL NOT BE GIVEN PERTAINING TO LACK OF INTERRUPTIONS, ERRORS AND DEFECTS. CORRECTIONS ARE ALSO NOT WARRANTED AT ANY TIME. NOTHING RECEIVED BY YOU FROM US HAS THE ABILITY TO CREATE ANY KIND OF WARRANTY. THIS CANNOT BE OVERRIDDEN BY WRITTEN AND ORAL COMMUNICATION. IF THE SITE IS DISSATISFYING FOR YOUR NEEDS, THE SINGLE CURE FOR THE PROBLEM IS TO QUIT USING THE SITE.

LIABILITY LIMITATIONS: THERE IS NO EVENT THAT SHALL EVER CONSTITUTE PUNITVE DAMAGES OR EXEMPLARY CHARGES RESULTING FROM DIRECT OR INDIRECT USE OF THE SITE. THE SAME EXEMPTIONS APPLY TO MISUSE AND AN INABILITY TO USE. PROTECTION FROM LIABILITY EXTENDS TO WORKERS, AGENTS, ASSOCIATES, DIRECTORS AND CONTENT PRODUCERS/PROVIDERS (TOGETHER: “PROTECTED ENTITIES”).

Site Links: You accept that we offer no responsibility for the correctness of links and URLs provided on the Site. Linked Sites do not represent any relationship between use and their destination. You accept that we cannot be held accountable for any damages or losses alleged to be originated by the content or services of a Linked Site. The Site Proprietors of this Site also have no role in the authorship, maintenance or security of Linked Sites. Nothing in the presentation of a Linked Site constitutes or symbolizes an endorsement. We are not tasked with staying up to date on the materials presented by those that we display as Linked Sites. Similarly, any grievances caused by a mistyped URL are not our responsibility at all. You must double-check all online locations before connecting to them. Please use maximum discretion when browsing to avoid causing issues.

Laws That Apply: The site is managed by offices located within the U.S.A., and we do not provide consent for the materials to be viewed in other places. Anyone that decides to use this Site from a different location does so by their own inclination. They are solely responsible for maintaining compliance with their local legal regulations. While we discourage their participation in the functions of our Site, we cannot completely prohibit them from connecting via the Web. As such, we must enforce the minimum level of liability, which is zero.