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Richard Jayne

Terms & Conditions

Last Updated: November 7th, 2024

We Are Not Part of Medicare or Any Government Entity. Please Do Not Submit Any Private Health Information to This Site.

Introduction

Welcome to this Website, managed and produced by Financial Media & Marketing, LLC (“FMM”) on behalf of the listed professional agent (the “Agent”). By accessing or using this Website, you agree to comply with and be bound by these Terms of Service (the “Terms”). Please read these Terms carefully.

If you do not agree with any part of these Terms, you are expressly prohibited from accessing this Website and should exit immediately.

Purpose of the Website

The primary purpose of this Website is to provide educational and informational content on Medicare, health insurance, and related topics. It may also display advertisements and include a directory of professionals, including those who may have paid for their listing. The information provided on this Website is intended to aid users in understanding various Medicare-related topics and general financial options. Content on this Website is for informational and educational purposes only and should not be interpreted as marketing or solicitation for specific Medicare or insurance products.

Services Provided

This Website offers access information intended to support users in researching health and Medicare topics. The services provided do not include personalized financial, health, or legal advice. FMM does not endorse or recommend any professional(s) listed on this Website. Any engagement or transactions between you and the professional(s) listed on this site are strictly between you and the respective professional. Visitors are advised to conduct their due diligence before engaging with any listed professionals.

Agent Responsibility for Compliance

This Website is produced by FMM; however, the Agent listed on the site assumes ultimate responsibility for compliance with and regulatory oversight of its content. Any compliance inquiries should be forwarded to the Agent immediately and forwarded to FMM.

No Affiliation, Endorsements, or Professional Ratings

Neither FMM nor this Website endorses or guarantees the qualifications or services of any professional listed. Any ratings, rankings, or reviews found on this Website are based on criteria such as client evaluations, website visitor feedback, professional activity, and promotional fees paid by professionals. These ratings are informational only and should not be considered as endorsements or recommendations.

User Responsibilities

Visitors are responsible for verifying eligibility for any specific plan, consulting with multiple professionals before making Medicare or health insurance decisions, and verifying the licensing and credentials of any professionals they engage. Users should conduct thorough research before making any decision based on information provided on this Website.

Acknowledgment of Use

By accessing this Website, you acknowledge and agree not to rely solely on its content for Medicare enrollment, health insurance selection, financial planning, or legal matters without consulting qualified, licensed professionals. The information on this Website is for educational purposes only and is not intended as a substitute for professional advice.

Third-Party Content and Links

The Website publishes content written by third-party professionals and other contributors. FMM does not endorse or assume responsibility for the accuracy or reliability of third-party content. The use of third-party content is solely at the visitor’s risk.

Financial and Health Information Disclaimer

The content on this Website about Medicare and related financial topics is for general information purposes only. It is not intended to provide personalized financial advice or a complete analysis of any subject. The information provided has not been reviewed by CMS or any insurance carrier and should not be used as a sole basis for decision-making. FMM disclaims any warranty regarding the accuracy, completeness, or suitability of the information provided.

Accuracy and Completeness of Information

While we strive to ensure that the information provided on this Website is accurate and up-to-date, FMM does not guarantee the accuracy, completeness, or timeliness of the information. Users should independently verify any information before relying on it.

Use at Your Own Risk

Your use of this Website and reliance on any information provided is at your own risk. FMM is not liable for any damages arising from your use of the Website. You assume full responsibility for any information exchanged or relied upon during your use of this Website.

Limitation of Liability

FMM disclaims liability for any indirect, incidental, special, consequential, or punitive damages, including lost profits or data, even if advised of such possibilities. FMM’s total liability shall not exceed any amount paid by you, if applicable, for access to this Website.

No Warranty

FMM disclaims all warranties, express or implied, including accuracy, completeness, timeliness, or fitness for any purpose of the Website content. The Website is provided “as-is” and “as available” without warranties of any kind.

No Legal, Financial, or Medical Advice

FMM, its officers, directors, employees, or agents do not provide legal, financial, or medical advice through this Website. Users are encouraged to seek advice from qualified professionals before making any financial, legal, or healthcare decisions.

Indemnification

You agree to indemnify and hold harmless FMM, its officers, directors, employees, and affiliates from any claims, liabilities, damages, and expenses arising out of or connected with your use of the Website. This indemnification will survive termination of your access to the Website.

Disclaimers for Professional Services

Any professional services provided by individuals listed on this Website are their sole responsibility. FMM does not guarantee the quality, reliability, or suitability of any professional services, and visitors are encouraged to perform due diligence before engaging with professionals listed.

Advertising and Affiliate Links

This Website may include advertisements and affiliate links to third-party websites. FMM may receive compensation for transactions made through these links. The inclusion of these links does not imply FMM endorsement of third-party websites or their services.

Technical and Security Disclaimers

FMM does not warrant that the Website will be uninterrupted, error-free, or secure. FMM is not responsible for any technical issues, viruses, or other harmful components encountered on the Website. Visitors are responsible for ensuring adequate data backup and security measures.

User Conduct and Prohibited Activities

Users are prohibited from engaging in any unlawful, harmful, or disruptive activities on this Website. This includes, but is not limited to, hacking, spamming, and uploading malicious software.

Changes and Updates to the Website

FMM reserves the right to modify, suspend, or discontinue the Website or any of its features at any time without notice. Users are responsible for reviewing content and updates regularly.

Dispute Resolution

  1. Mediation Requirement: Before initiating any legal proceedings, users agree to attempt to resolve any disputes through mediation. Mediation will be conducted by a neutral third-party mediator selected by mutual agreement.
  2. Litigation: If mediation fails, disputes may be resolved through litigation in Silver Springs, NV.
  3. No Class Actions: Users agree to resolve disputes on an individual basis and waive the right to participate in any class or representative action.
  4. Governing Law: These Terms and any disputes are governed by the laws of the State of Nevada.

CONTACT US

For questions or concerns about these Terms, please contact us at usersatisfaction@financialmedia.marketing.

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Medicare has neither reviewed nor endorsed this information.

Not connected with or endorsed by the United States government or the federal Medicare program.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

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