Terms of Service

1. Acceptance of these terms

These Terms of Service (“Terms”) govern your access to and use of PascoMedicare.com and the pages, forms, scheduling tools, downloads, educational materials, and other features made available through it (collectively, the “Website”).

By using the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website. You must be at least 18 years old, or use the Website with the involvement of a parent, guardian, or legally authorized representative.

2. Website purpose

The Website provides general educational information about Medicare, health coverage options, enrollment periods, and related topics. It also provides ways to request information, ask questions, and schedule conversations with licensed insurance professionals.

The Website is not a government website and is not connected with or endorsed by the United States government, the federal Medicare program, or any state government agency.

3. Insurance services and enrollment

Use of this Website does not create an insurance contract, establish coverage, guarantee eligibility, or complete enrollment in any insurance plan. Coverage becomes effective only when an application has been properly submitted, accepted, and confirmed by the applicable insurer or plan sponsor.

Plan availability, premiums, benefits, provider networks, formularies, eligibility requirements, and service areas may change and may vary by individual and location. Any recommendation or comparison must be based on information you provide and the options available at the time of review.

You are responsible for reviewing official plan documents and confirming that your providers, prescriptions, pharmacies, and preferred facilities are covered before enrolling.

4. Educational information and accuracy

We work to provide clear and useful information, but Medicare rules and insurance products can change. Website content is provided as a general summary and is not a substitute for official plan documents, Medicare publications, applicable laws, regulations, or professional legal, medical, tax, or financial advice.

We do not warrant that every page will always be complete, current, or free from errors. For official and current Medicare information, visit Medicare.gov or call 1-800-MEDICARE.

5. Forms, scheduling, and communications

When you submit information through a form or scheduling tool, you agree to provide accurate and current information. You authorize us to respond using the contact methods you provide, subject to the consent language displayed with the applicable form.

If you separately consent to receive text messages, message and data rates may apply and message frequency may vary. Consent to receive marketing calls or text messages is not a condition of purchasing any product or service. You may opt out of text messages by replying STOP, and you may request help by replying HELP.

Submitting a question or scheduling a conversation does not create an advisory, fiduciary, agent-client, or insurance relationship.

6. Acceptable use

You may use the Website only for lawful, personal, and noncommercial purposes. You may not:

• Attempt to gain unauthorized access to the Website, its systems, or another person’s information;
• Introduce malicious code, interfere with Website operation, or bypass security features;
• Use automated tools to scrape, copy, harvest, or overload the Website without written permission;
• Impersonate another person or submit false, misleading, or fraudulent information;
• Copy or use Website content for commercial solicitation, resale, or competitive purposes; or
• Use the Website in a manner that violates applicable law or the rights of others.

We may restrict or terminate access when we reasonably believe these Terms have been violated.

7. Intellectual property

The Website’s original text, graphics, branding, logos, page designs, downloads, videos, and other content are owned by or licensed to Pasco Medicare and are protected by applicable intellectual-property laws.

You may view, download, or print materials for your own personal, noncommercial use. No other copying, modification, distribution, publication, republication, or creation of derivative works is permitted without prior written authorization.

Product names, company names, logos, and trademarks belonging to insurers, government programs, or other third parties remain the property of their respective owners. Their appearance does not imply endorsement unless expressly stated.

8. Third-party websites and services

The Website may link to third-party websites or use third-party services, including appointment calendars, forms, videos, maps, analytics, and insurer resources. We provide these features for convenience but do not control every third party’s content, availability, security, accessibility, or privacy practices.

Your use of a third-party website or service is governed by that provider’s own terms and privacy policy. A link does not necessarily constitute an endorsement.

9. Disclaimer of warranties

To the fullest extent permitted by law, the Website and its content are provided on an “as is” and “as available” basis. We disclaim all warranties, express or implied, including warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, title, and noninfringement.

We do not guarantee uninterrupted or error-free access, that defects will be corrected immediately, or that the Website will be free of viruses or other harmful components.

10. Limitation of liability

To the fullest extent permitted by applicable law, Pasco Medicare and its owners, personnel, contractors, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of—or inability to use—the Website.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited. Some jurisdictions do not allow certain warranty exclusions or liability limitations, so portions of this section may not apply to you.

11. Changes to the Website or these terms

We may update the Website and these Terms periodically to reflect changes in services, technology, law, or business practices. When we make changes, we will revise the “Last updated” date at the top of this page. Material changes apply prospectively from the effective date stated in the updated Terms.

Your continued use of the Website after updated Terms become effective constitutes acceptance of those updated Terms.

12. Governing law and severability

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Subject to applicable law, any legal proceeding relating to the Website or these Terms shall be brought in a court of competent jurisdiction located in Pasco County, Florida.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver of the right to enforce it later. These Terms and the Privacy Policy constitute the agreement governing your use of the Website.