Terms of Service

---

Introduction and Acceptance

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and the American Medicare Council (“we,” “us,” “our,” or “AMC”) governing your access to and use of the americanmedicarecouncil.org website (the “Site”) and all related services, tools, resources, and content we provide.

By accessing, browsing, or using our Site in any manner, including but not limited to visiting or browsing the Site, submitting information through forms, using our interactive Medicare tools and calculators, or communicating with us through the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Disclaimer, which are incorporated into these Terms by reference.

We reserve the right to modify, update, or change these Terms at any time without prior notice. Any changes will be effective immediately upon posting to the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically for updates.

Eligibility and User Requirements

Our Site and services are intended for use by individuals who are at least 18 years of age or the age of majority in their jurisdiction, whichever is greater. By using our Site, you represent and warrant that you meet these age requirements and have the legal capacity to enter into these Terms.

Medicare Eligibility

While our educational resources are available to all qualifying users, Medicare enrollment is subject to specific eligibility requirements established by the Centers for Medicare & Medicaid Services (CMS). Generally, you are eligible for Medicare if you are a U.S. citizen or permanent legal resident who has lived in the United States for at least five consecutive years and you are either 65 years of age or older, or under 65 with certain disabilities or conditions.

The information and tools on our Site are designed to help individuals understand Medicare options, but using our Site does not guarantee Medicare eligibility or enrollment. You are responsible for determining your own eligibility and meeting all requirements established by federal law and CMS regulations.

Geographic Limitations

Our Site and services are designed primarily for users located in the United States. Medicare is a U.S. government program, and the insurance agents we connect you with are licensed to operate in specific U.S. states. If you access our Site from outside the United States, you do so at your own initiative and are responsible for compliance with local laws.

Description of Services

The American Medicare Council provides educational resources, interactive tools, and connection services related to Medicare and Medicare-related insurance products.

Educational Resources

We provide articles, guides, information, and educational content about Medicare, including Medicare Parts A, B, C (Medicare Advantage), and D (Prescription Drug Coverage), Medicare Supplement Insurance (Medigap), enrollment periods, eligibility requirements, costs, and coverage options. This content is for informational and educational purposes only and does not constitute professional advice.

Interactive Tools and Calculators

We offer interactive tools and calculators to help users understand Medicare concepts and compare options. These tools include but are not limited to the Medicare Penalty Calculator, Medigap Plan Finder, Medicare Cost Calculator, State Resource Directory, Open Enrollment Action Plan, Medicare Enrollment Checklist, Medigap Comparison Chart, and Prescription Drug Worksheet.

These tools provide estimates and general information based on data you input. Results are approximate and educational in nature. We do not guarantee the accuracy of tool results, and you should not rely solely on these tools for important Medicare decisions. Always verify information with official Medicare sources or licensed insurance professionals.

Agent Connection Services

We connect users with licensed insurance agents and brokers who can provide personalized Medicare guidance and assistance with plan enrollment. When you submit your contact information through our forms, we share that information with licensed insurance professionals who may contact you to discuss your Medicare needs.

These agents are independent contractors or employees of independent insurance agencies. They are not employees of the American Medicare Council, and we do not control their conduct, advice, or recommendations. We receive compensation when users enroll in Medicare plans through agents we connect them with, as disclosed in our Disclaimer.

Email Communications

When you provide your email address, we may send you educational materials, newsletters, Medicare updates, and information about our services and those of our partners. You can opt out of marketing communications at any time by using the unsubscribe link in our emails or contacting us directly.

User Accounts and Access

Currently, our Site does not require user account registration for access to most features. However, we use browser local storage technology to remember your access permissions after you submit your email address through our tool access forms.

Access Tokens

When you submit your email address to access our Medicare tools, we store an access token in your browser’s local storage. This token allows you to access all eight of our interactive tools without re-submitting your email on subsequent visits. This access is tied to your specific browser and device.

You can clear this access token at any time by clearing your browser’s local storage or cache. If you use a different browser or device, you will need to submit your email address again to gain access to the tools on that browser or device.

Account Security

If we implement user accounts in the future, you will be responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

Acceptable Use Policy

You agree to use our Site only for lawful purposes and in accordance with these Terms. You agree not to use our Site in any way that violates any applicable federal, state, local, or international law or regulation.

Prohibited Activities

You specifically agree not to engage in any of the following prohibited activities:

Fraudulent or Deceptive Conduct. You may not provide false, inaccurate, or misleading information to us, to insurance agents, or during the Medicare enrollment process. You may not impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity.

Unauthorized Access. You may not attempt to gain unauthorized access to any portion of our Site, other users’ accounts, computer systems, or networks connected to our Site through hacking, password mining, or any other means. You may not probe, scan, or test the vulnerability of our Site or any network connected to the Site, or breach security or authentication measures.

Interference and Disruption. You may not interfere with or disrupt the operation of our Site or servers or networks connected to the Site. You may not introduce viruses, trojans, worms, logic bombs, or other malicious or technologically harmful material. You may not attempt to interfere with, compromise, or disrupt the integrity or performance of the Site or its content.

Automated Access and Scraping. You may not use any robot, spider, scraper, or other automated means to access our Site for any purpose without our express written permission. You may not use any device, software, or routine that interferes with the proper working of the Site. You may not bypass any measures we may use to prevent or restrict access to the Site.

Commercial Exploitation. You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of our Site, use of our Site, or access to our Site for any commercial purpose without our express written permission. You may not use our tools, calculators, or content for commercial purposes or redistribute them to others.

Intellectual Property Infringement. You may not use our Site in any manner that infringes, misappropriates, or violates any intellectual property rights or other rights of any third party. You may not remove, alter, or obscure any copyright, trademark, or other proprietary rights notices from any content on our Site.

Harmful Content. You may not submit, post, or transmit through our Site any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable.

Spam and Unsolicited Communications. You may not use our Site to send unsolicited or unauthorized advertising, promotional materials, spam, junk mail, chain letters, or any other form of solicitation. You may not harvest or collect email addresses or other contact information of other users from the Site.

Enforcement

We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this Acceptable Use Policy, including without limitation removing content from the Site, suspending or terminating your access to the Site, and reporting you to law enforcement authorities.

Intellectual Property Rights

The American Medicare Council Site and its entire contents, features, and functionality, including but not limited to all information, software, text, displays, images, graphics, photographs, video, audio, tools, calculators, design, selection and arrangement, are owned by the American Medicare Council, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our Site for your personal, non-commercial use. This license does not include any right to:

Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from the Site. Use the Site or its content for any commercial purpose or for the benefit of any third party. Download or copy account information for the benefit of another party. Use any data mining, robots, or similar data gathering or extraction methods. Attempt to decipher, decompile, disassemble, or reverse engineer any of the software comprising or making up the Site.

Trademarks

The American Medicare Council name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the American Medicare Council or its affiliates or licensors. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this Site are the trademarks of their respective owners.

Copyright Infringement

If you believe that any content on our Site infringes your copyright, please contact us with a detailed description of the alleged infringement, including the location of the infringing material, your contact information, and a statement that you have a good faith belief that the use is not authorized by the copyright owner.

User-Generated Content

Our Site may allow you to submit information, questions, comments, or other content through forms, email, or other means (“User Content”). By submitting User Content, you grant us certain rights and make certain representations.

License to User Content

By submitting User Content to our Site, you grant the American Medicare Council a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in any media. This license includes the right to use your User Content for any purpose related to our business, including marketing, analytics, and service improvement.

Representations and Warranties

By submitting User Content, you represent and warrant that you own or control all rights to the User Content, that the User Content is accurate and not misleading, that use of the User Content does not violate these Terms or any applicable law, and that the User Content will not cause injury to any person or entity.

Monitoring and Removal

We have the right, but not the obligation, to monitor, edit, or remove any User Content that we determine in our sole discretion violates these Terms, is otherwise objectionable, or may expose us or our users to harm or liability. We do not endorse or control User Content, and we are not responsible for the accuracy, completeness, or usefulness of any User Content.

Third-Party Services and Links

Our Site may contain links to third-party websites, services, or resources, including websites of insurance companies, insurance agents, government agencies, and other organizations. These links are provided for your convenience only.

No Endorsement

The inclusion of any link does not imply our endorsement, approval, or recommendation of the linked site or its content, products, or services. We have no control over the contents of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Third-Party Terms

Your use of third-party websites and services is subject to the terms and conditions and privacy policies of those third parties. You should review the terms and policies of any third-party site you visit. We are not responsible for the practices of third parties or the content of third-party sites.

Insurance Agents and Companies

When we connect you with insurance agents or refer you to insurance companies, you may enter into separate agreements with those third parties. Any such agreements are solely between you and the third party. We are not a party to those agreements and are not responsible for the conduct, advice, or services provided by insurance agents or companies.

Disclaimers and Limitations of Liability

Your use of our Site is at your own risk. The Site and all content, tools, and services are provided “as is” and “as available” without warranties of any kind, either express or implied.

Disclaimer of Warranties

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be available, accessible, uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Site or servers are free of viruses or other harmful components.

We do not warrant or make any representations regarding the accuracy, completeness, reliability, currentness, or quality of any content on the Site. We do not warrant that the use of the Site will meet your requirements or achieve any particular result.

Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall the American Medicare Council, its owners, directors, officers, employees, agents, contractors, partners, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses, resulting from:

Your access to or use of or inability to access or use the Site. Any conduct or content of any third party on the Site, including insurance agents or other users. Any content obtained from the Site. Unauthorized access, use, or alteration of your transmissions or content. Any errors, mistakes, or inaccuracies of content. Personal injury or property damage resulting from your access to or use of the Site. Any bugs, viruses, or other harmful code transmitted through the Site. Any loss or damage of any kind incurred as a result of your use of any content posted or transmitted through the Site.

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage. In no event shall our total liability to you for all damages, losses, or causes of action exceed the amount you paid us, if any, for accessing the Site. Because some jurisdictions do not allow the exclusion or limitation of certain damages, in such jurisdictions our liability shall be limited to the maximum extent permitted by law.

Indemnification

You agree to defend, indemnify, and hold harmless the American Medicare Council, its owners, directors, officers, employees, agents, contractors, partners, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, debt, and expenses (including but not limited to attorney’s fees) arising from:

Your use of and access to the Site. Your violation of any term of these Terms. Your violation of any third-party right, including without limitation any copyright, trademark, trade secret, or other property or privacy right. Any claim that your User Content caused damage to a third party. Your violation of any applicable law or regulation. Any dealings or interactions with insurance agents, brokers, or insurance companies that you connect with through our Site.

This indemnification obligation will survive termination of these Terms and your use of the Site. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

Termination and Suspension

We reserve the right, in our sole discretion, to terminate or suspend your access to all or part of the Site, with or without notice, for any reason or no reason, including without limitation if we believe you have violated these Terms or engaged in conduct that we determine to be inappropriate or harmful to us, other users, or third parties.

Effect of Termination

Upon termination or suspension, your right to use the Site will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnification obligations, and limitations of liability.

Termination of your access to the Site will not affect any rights or obligations that arose prior to termination. We shall not be liable to you or any third party for any termination or suspension of your access to the Site.

Voluntary Termination

You may terminate your use of the Site at any time by ceasing to access or use the Site. If you wish to request deletion of your personal information, please refer to our Privacy Policy for instructions on how to submit a deletion request.

Dispute Resolution and Arbitration

Please read this section carefully as it affects your legal rights. This section provides for resolution of disputes through final and binding arbitration instead of in court.

Informal Resolution

Before filing a claim against the American Medicare Council, you agree to try to resolve the dispute informally by contacting us at the email address provided in the Contact section below. We will try to resolve the dispute informally by contacting you via email. If a dispute is not resolved within 30 days of submission, you or we may bring a formal proceeding.

Binding Arbitration

If we cannot resolve a dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in [Your jurisdiction], or at another mutually agreeable location, and judgment on the arbitration award may be entered in any court having jurisdiction.

The arbitrator shall have exclusive authority to resolve all disputes, including but not limited to the interpretation, applicability, enforceability, or formation of these Terms, including any claim that all or any part of these Terms is void or voidable.

Class Action Waiver

You and the American Medicare Council agree that any proceedings to resolve disputes will be conducted only on an individual basis and not in a class, consolidated, or representative action. You and we expressly waive any right to pursue claims on a class or representative basis. If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

Exceptions

Notwithstanding the above, either party may bring a claim in small claims court if the claim qualifies for small claims court in the jurisdiction where you reside. Additionally, either party may seek injunctive or other equitable relief in court to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

Governing Law and Jurisdiction

These Terms and your use of the Site shall be governed by and construed in accordance with the laws of the United States and the state of [Your state], without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in [Your jurisdiction], and you irrevocably consent to personal jurisdiction and venue in such courts.

If you are accessing the Site from outside the United States, you do so at your own initiative and are responsible for compliance with local laws to the extent they are applicable.

Miscellaneous Provisions

Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and the American Medicare Council regarding your use of the Site and supersede all prior or contemporaneous understandings and agreements, whether written or oral, regarding such subject matter.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable.

Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Assignment

You may not assign or transfer these Terms or your rights and obligations under these Terms, in whole or in part, without our prior written consent. We may assign or transfer these Terms or our rights and obligations under these Terms at any time without restriction and without notice to you.

Force Majeure

We shall not be liable for any failure or delay in performance of our obligations under these Terms due to causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

Headings

The section and paragraph headings in these Terms are for convenience only and shall not affect their interpretation.

Electronic Communications

By using our Site, you consent to receiving electronic communications from us. These electronic communications may include notices about your use of the Site, updates to these Terms, and promotional messages. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.

Medicare-Specific Terms

No Government Affiliation

You acknowledge and agree that the American Medicare Council is not affiliated with, endorsed by, or connected to the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any other government agency. We are an independent, privately-owned organization.

Educational Purpose

You acknowledge that the information and tools on our Site are for educational purposes only and do not constitute medical, legal, financial, or insurance advice. You agree to consult with qualified professionals before making Medicare enrollment or coverage decisions.

Enrollment Responsibility

You acknowledge that you are solely responsible for determining your Medicare eligibility, understanding enrollment periods, and enrolling in Medicare plans. We do not enroll individuals in Medicare or Medicare plans. Enrollment occurs through insurance companies and their authorized representatives.

Plan Changes and Availability

You acknowledge that Medicare plans, costs, coverage, and availability change frequently and vary by location. Information on our Site may not reflect the most current plan details. You agree to verify all plan information with insurance companies or licensed agents before enrolling.

Contact Information

---

These Terms of Service were last updated on November 4, 2025. By using the American Medicare Council website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.