Terms of Service

1. Acceptance of Terms

By accessing and using the Nevada Medicare Guide website (www.nevadamedigap.com), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Service Description

Nevada Medicare Guide is an educational platform designed to help Nevada residents understand Medicare and Medigap insurance options. Our services include:

• Educational content about Medicare Parts A, B, C, and D
• Information about Medicare Supplement (Medigap) insurance
• Plan comparison tools and resources
• Connection with licensed insurance agents in Nevada
• Lead qualification services for personalized assistance
• Local healthcare provider information

3. Eligibility and User Requirements

Age and Eligibility

• You must be at least 18 years of age to use this website
• You must be a Nevada resident or considering Medicare coverage in Nevada
• You must provide accurate and truthful information when using our services

Prohibited Uses

You may not use our website for:

• Any unlawful purpose or to solicit others to perform unlawful acts
• Violating any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• Infringing upon or violating our intellectual property rights or the intellectual property rights of others
• Harassing, abusing, insulting, harming, defaming, slandering, disparaging, intimidating, or discriminating
• Submitting false or misleading information
• Attempting to impersonate another person or entity

4. Educational Nature and Insurance Disclaimer

Educational Content

• All content is for educational purposes only and should not be considered personal insurance advice
• Medicare rules and regulations are complex and subject to change
• Individual circumstances vary and may affect plan recommendations
• Always consult with a licensed insurance agent for personalized advice

Agent Referrals

• We partner with licensed insurance agents and agencies in Nevada
• Agents are independent contractors, not employees of Nevada Medicare Guide
• We may receive compensation from insurance companies and agents for referrals
• Agent licensing and certifications are maintained by individual agents

5. Privacy and Data Collection

Your privacy is important to us. Our data collection and use practices are detailed in ourPrivacy Policy, which is incorporated into these Terms of Service by reference.

Lead Information

• Information you provide through our qualification forms may be shared with licensed agents
• You consent to being contacted by agents regarding Medicare insurance options
• You may opt out of communications at any time
• We maintain records of lead interactions for quality assurance

6. TCPA Compliance and Communications

Your Communication Rights

• You may revoke consent at any time by contacting us or the calling agent
• Standard message and data rates may apply for text messages
• We use automated dialing systems and pre-recorded messages for some communications
• You can opt out by replying "STOP" to any text message

7. Intellectual Property Rights

Our Content

• All website content, including text, graphics, logos, and software, is owned by Nevada Medicare Guide
• Content is protected by copyright, trademark, and other intellectual property laws
• You may not reproduce, distribute, or create derivative works without written permission

User-Generated Content

• You retain ownership of information you submit through our forms
• You grant us permission to use submitted information for providing our services
• You represent that submitted information is accurate and you have the right to provide it

8. Disclaimers and Limitations

Service Availability

• We strive for 99.9% uptime but cannot guarantee uninterrupted service
• Maintenance windows may temporarily affect website availability
• We reserve the right to modify or discontinue services at any time

Information Accuracy

• We make every effort to ensure information accuracy but cannot guarantee it
• Medicare rules and plan details change annually during Open Enrollment
• Always verify plan details with official Medicare.gov or insurance companies
• Local healthcare provider networks may change without notice

Third-Party Services

• We may link to third-party websites and services for your convenience
• We are not responsible for third-party content, policies, or practices
• Third-party services have their own terms and privacy policies

9. Limitation of Liability

Maximum Liability

In no event shall Nevada Medicare Guide's total liability to you for all damages, losses, and causes of action exceed fifty dollars ($50).

Indemnification

You agree to defend, indemnify, and hold harmless Nevada Medicare Guide from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees).

10. Modifications to Terms

• We reserve the right to modify these terms at any time
• Changes will be posted on this page with an updated effective date
• Continued use of the website constitutes acceptance of modified terms
• We encourage you to review these terms periodically

11. Termination

User Termination

• You may discontinue use of our services at any time
• You may request removal of your information subject to our data retention policies

Service Termination

• We may terminate or suspend access immediately for violations of these terms
• We may discontinue services with or without notice
• Provisions regarding liability and disputes shall survive termination

12. Governing Law and Jurisdiction

These Terms of Service shall be interpreted and governed by the laws of the State of Nevada, without regard to its conflict of law provisions. Any disputes arising from these terms or use of our services shall be resolved in the courts of Nevada.

Alternative Dispute Resolution

• We encourage resolution of disputes through direct communication first
• Mediation may be pursued before litigation when appropriate
• Small claims court jurisdiction is preserved for applicable disputes

13. Accessibility Commitment

Nevada Medicare Guide is committed to ensuring digital accessibility for people with disabilities, particularly seniors who may face accessibility challenges. We continually improve the user experience for everyone and apply relevant accessibility standards.

Accessibility Features

• Large, readable fonts optimized for seniors
• High contrast color schemes
• Keyboard navigation support
• Screen reader compatibility
• Mobile-responsive design

14. Senior Protection Measures

Ethical Standards

• No high-pressure sales tactics or misleading information
• Clear explanation of plan benefits and limitations
• Respect for senior decision-making timelines
• Transparent disclosure of agent compensation
• Compliance with Medicare marketing regulations

15. Contact Information

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

16. Acknowledgment

By using Nevada Medicare Guide, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them. These terms constitute the entire agreement between you and Nevada Medicare Guide regarding use of the website and services.

Last Updated: January 1, 2024
Version: 1.0
This document is available in alternative formats upon request for accessibility purposes.