Terms of Use

Agreement to Terms

By accessing or using the Medicare AEP Help Desk website and services, you agree to be bound by these Terms of Use. If you do not agree with these terms, please do not use our website or services.

Services Description

Medicare AEP Help Desk provides two primary services:

1. For Organizations: We coordinate and staff compliant Medicare Help Desk events at no cost to partner organizations during the Annual Enrollment Period (AEP).
2. For Individuals: We provide free, unbiased Medicare consultation services through licensed insurance agents to help individuals understand their Medicare options.

Important Medicare Disclaimer

No Obligation to Enroll

All consultations and information provided through our services are educational in nature. You are under no obligation to enroll in any Medicare plan discussed. Our agents are here to provide information to help you make an informed decision.

Consent and Permissions

Permission to Contact (PTC)

By submitting a form on our website, you provide Permission to Contact (PTC), which means:

• You consent to be contacted by a licensed insurance agent by phone, email, or text
• You understand that you are not required to provide consent as a condition of purchasing any goods or services
• Your consent is valid for 9 months from the date provided
• You may revoke your consent at any time

Call Recording Consent

By requesting a consultation, you consent to call recording for quality assurance and compliance purposes. All calls with licensed agents are recorded and may be reviewed by compliance personnel.

SMS Consent (Optional)

If you opt in to receive text messages:

• You agree to receive text messages related to your Medicare inquiry
• Message and data rates may apply
• You can opt out at any time by replying STOP
• SMS consent is separate from general PTC consent

Eligibility and Accuracy of Information

You represent that all information you provide to us is accurate, current, and complete. You agree to update your information as necessary to maintain its accuracy. Providing false or misleading information may affect our ability to provide appropriate Medicare recommendations.

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Medicare AEP Help Desk or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

Prohibited Uses

You agree not to:

• Use our services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or harmful code
• Impersonate another person or entity
• Harvest or collect information about other users
• Interfere with or disrupt our services
• Use automated systems (bots, scrapers) to access our website

Third-Party Links and Services

Our website may contain links to third-party websites or services. We do not endorse or assume responsibility for the content, privacy policies, or practices of these third parties. Your use of third-party websites is at your own risk.

Disclaimers

No Warranty

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• Our services will be uninterrupted, secure, or error-free
• Information provided will be accurate or complete
• Any Medicare plan recommendations will meet your specific needs

Not Medical or Legal Advice

Information provided through our services is for educational purposes and does not constitute medical, legal, or financial advice. You should consult appropriate professionals for advice specific to your situation.

Limitation of Liability

To the maximum extent permitted by law, Medicare AEP Help Desk and its affiliates, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, even if advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless Medicare AEP Help Desk and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our services or violation of these Terms of Use.

Termination

We reserve the right to suspend or terminate your access to our services at any time, without notice, for any reason, including violation of these Terms of Use.

Governing Law and Dispute Resolution

These Terms of Use are governed by federal law and the laws of the state where our principal office is located, without regard to conflict of law principles. Any disputes arising from these terms will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Severability

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

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

Contact Information

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