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| TTY:711 Monday – Friday 8 AM – 9 PM ET & Saturday 9 AM – 6 PM ET


UPGRADE YOUR 2022 MEDICARE BENEFITS

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MedicareSearcher is an online lead generator, matching consumers with businesses
that offer products and/or services of interest. If you submit your information
through this website, you agree to the Privacy Policy and Terms of use linked
below, and to be contacted by an unlicensed representative who can help connect
you to a licensed agent in your area to help review your coverage and options.
Generally, Medicare is available for people age 65 or older, younger people with
disabilities and people with End Stage Renal Disease (permanent kidney failure
requiring dialysis or transplant). You must have both Part A and B to enroll in
a Medicare Advantage plan. Members may enroll in the plan only during specific
times of the year. Contact the plan for more information. Every year, Medicare
evaluates plans based on a 5-star rating system. Some Medicare plans are not
available in all areas, and costs, coverage, and benefits vary by location.
Out-of-network/non-contracted providers are under no obligation to treat
non-network members, except in emergency situations. You can call a carrier’s
customer service number or see Evidence of Coverage for more information,
including the cost-sharing that applies to out-of-network services. Medicare
beneficiaries may also enroll in the plan through the CMS Medicare Online
Enrollment Center located at http://www.medicare.gov. For a complete list of
available plans please contact 1-800-MEDICARE (TTY users should call
1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. For
plans with Part D Coverage: You may be able to get Extra Help to pay for your
prescription drug premiums and costs. To see if you qualify for Extra Help,
call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24
hours a day/ 7 days a week or consult www.medicare.gov; the Social Security
Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY
users should call, 1-800-325-0778 or consult www.socialsecurity.gov; or your
Medicaid Office.

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MEDICARESEARCHER TERMS & CONDITIONS

The MedicareSearcher website located at www.medicaresearcher.com (the "Site")
will enable you to access information about various types of health insurance,
health insurance options and provider information. When you use the Site, you
represent and warrant that you understand that the Site is not affiliated with
or managed, endorsed or sanctioned by any state or federal governmental agency
or exchange, the Centers for Medicare & Medicaid or the Department of Health and
Human Services. To see all available data on Qualified Health Plan options in
your state, visit your state Marketplace website or go to the Health Insurance
Marketplace website at www.HealthCare.gov.

THE AGREEMENT CONTAINS DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY,
RELEASES, A CLASS-ACTION WAIVER AND THE REQUIREMENT TO ARBITRATE ANY AND ALL
CLAIMS THAT MAY ARISE HEREUNDER. THE AFOREMENTIONED PROVISIONS ARE AN ESSENTIAL
BASIS OF THE AGREEMENT.

The Site is an Internet property of MedicareSearcher and its affiliated
companies ("MedicareSearcher," "we," our or "us"). You are agreeing to comply
with and be bound by the following MedicareSearcher Terms and Conditions ("Terms
and Conditions") when you: (a) access the Site; (b) apply for, request or obtain
information and/or rate quotes (Rate Quote Services) regarding certain third
party health insurance-related products and/or services (collectively, Third
Party Quotes and Products) as offered by our third party health insurance
service providers (Third Party Service Providers); and/or (c) view certain
content, links and other material pertaining to the Third Party Service
Providers, the Third Party Quotes and Products and other related text, graphics,
photos and other content (collectively, Content, and together with the Site,
Rate Quote Services and Site, the Site Offerings).

The MedicareSearcher Privacy Policy ("Privacy Policy") and any and all other
applicable MedicareSearcher operating rules, policies, price schedules and other
supplemental terms and conditions that may be published from time to time are
expressly incorporated herein by reference (collectively, the "Agreement").
Please review the following terms of the Agreement carefully. If you do not
agree to these Terms and Conditions and the terms of the Agreement in their
entirety, you are not authorized to use the Site Offerings in any manner or
form.

MEDICARESEARCHER IS A PRODUCT AND/OR SERVICE MATCHING SERVICE, MATCHING
CONSUMERS WITH PERSONS OR COMPANIES THAT OFFER PRODUCTS AND/OR SERVICES OF
INTEREST TO THE CONSUMER. MEDICARESEARCHER IS NOT A LICENSED BROKER, CARRIER OR
DIRECT PROVIDER OF INSURANCE PRODUCTS OR SERVICES. IN ORDER TO PERFORM THE
MATCHING SERVICES AND ENABLE YOU TO SECURE A QUOTE FROM A PROVIDER,
MEDICARESEARCHER MAY REQUIRE YOU TO SUBMIT HEALTH INFORMATION. YOUR RESPONSES
AND THE INFORMATION YOU CHOOSE TO SUBMIT IN ORDER TO OBTAIN A QUOTE WILL HELP US
IMPROVE THE ACCURACY OF YOUR QUOTE RESULTS. YOU UNDERSTAND, ACKNOWLEDGE AND
AGREE THAT THE INFORMATION YOU CHOOSE TO PROVIDE TO US WILL BE COLLECTED, STORED
AND TRANSMITTED ONLY TO OUR PARTNERS AND SOLELY FOR THE PURPOSE OF MATCHING YOU
WITH THIRD PARTY PROVIDERS WHO CAN PROVIDE YOU WITH QUOTES.

1. Acceptance of Agreement; Modification. You agree to the terms and conditions
outlined in the Agreement with respect to your use of the Site Offerings. The
Agreement constitutes the entire and only agreement between you and
MedicareSearcher with respect to your use of the Site, and supersedes all prior
and contemporaneous agreements, representations, warranties and/or
understandings with respect to the Site Offerings. We may amend the Agreement
from time to time in our sole discretion, without specific notice to you;
provided, however, that any amendment or modification to the arbitration
provisions, prohibition on class actions provisions or any other provisions
applicable to dispute resolution (collectively, "Dispute Resolution Provisions")
shall not apply to any disputes incurred prior to the applicable amendment or
modification. The latest Agreement will be posted on the Site, and you should
review the Agreement prior to using the Site Offerings. By your continued use of
the Site Offerings after the Agreement has been changed, you hereby agree to
comply with all of the terms and conditions contained within the Agreement
effective at that time (other than with respect to disputes arising prior to the
amendment or modification of the Dispute Resolution Provisions, which shall be
governed by the Dispute Resolution Provisions in effect at the time of the
subject dispute). Therefore, you should regularly check this page for updates
and/or changes.

2. Requirements; Termination of Access. The Site Offerings are available only to
individuals who can enter into legally binding contracts under applicable law
and who are over eighteen (18) years of age (or the applicable age of majority,
if greater than eighteen (18) years of age in their jurisdiction). If a user is
under eighteen (18) years of age (or the applicable age of majority, if greater
than eighteen (18) years of age in her/his jurisdiction) and/or if that user is
unable to enter into legally binding contracts under applicable law, that user
does not have permission to use and/or access the Site Offerings.
MedicareSearcher may terminate any users access to the Site Offerings at any
time and for any reason, in its sole discretion. Such reasons may include,
without limitation, where MedicareSearcher believes that such user is: (a) in
any way in breach of the Agreement; and/or (b) engaged in any improper conduct
in connection with the Site Offerings.

3. Description of Site Offerings. The Site provides users with an opportunity to
apply for certain Third Party Quotes and Products, as offered by
MedicareSearcher's Third Party Service Providers. Please be advised that
MedicareSearcher does not itself provide insurance products and/or services, and
the ultimate terms and conditions of any product or service provided by its
Third Party Service Providers will be determined by those Third Party Service
Providers. To qualify to receive Insurance Services, you must first fully
complete the application form located at the Site ("Site Application") and, in
some cases, the application form set forth on the applicable Third Party Service
Provider's website ("TP Application" and together with the Site Application, the
"Full Application"). The information that you will supply on the Site
Application includes, but is not limited to: (a) your full name; (b) mailing
address; (c) e-mail address; (d) home, work and/or mobile telephone numbers; (e)
who you intend to be covered by the policy; (f) the dollar amount of coverage
you are intending to purchase; (g) the length of time of the coverage you are
seeking; (h) whether you have used tobacco in the last twelve (12) months; (i)
date of birth; (j) height and weight; (k) certain questions regarding your
medical history; and (l) any and all other information requested on the
applicable registration form (collectively, the "Site Registration Data"). The
Site Application form will set forth the exact information that is required.
MedicareSearcher's use of the Site Registration Data shall be governed by the
Privacy Policy. To access the Privacy Policy, please click here.

Upon entering your Site Registration Data and clicking on the applicable
submission button on the Site, you may be redirected to the website of a Third
Party Service Provider. MedicareSearcher may also transfer your Site
Registration Data to its Third Party Service Providers in connection with
facilitating the processing of your Third Party Quotes and Products application.
The information that you must supply on the TP Application shall be determined
by the applicable Third Party Service Provider(s) (the "TP Registration Data"
and, together with the Site Registration Data, the "Registration Data"). Any
information that you supply to any Third Party Service Provider shall be
governed by that Third Party Service Provider's privacy policy. Third Party
Quotes and Products application approval, and the ultimate terms and conditions
of any product or service provided by any Third Party Service Provider(s), will
be determined by those Third Party Service Providers.

Unless explicitly stated otherwise, any future offer(s) made available to you on
the Site that augment(s) or otherwise enhance(s) the current features of the
Site shall be subject to the Agreement. You understand and agree that
MedicareSearcher is not responsible or liable in any manner whatsoever for your
use of, or inability to use and/or qualify for, Insurance Services or other
Third Party Service Provider sponsored products and/or services, or for any
dispute between you and any Third Party Service Providers. You understand and
agree that MedicareSearcher shall not be liable to you or any third party for
any modification, suspension or discontinuation of any product, service or
promotion offered by any Third Party Service Providers.

If MedicareSearcher terminates the Agreement for any reason, MedicareSearcher
shall have no liability or responsibility to you. You understand and agree that
refusal to use the Site is your sole right and remedy with respect to any
dispute with MedicareSearcher The Agreement only governs your use of the Site.

4. Non-Endorsement; Passive Conduit.

(a) MedicareSearcher does not sponsor, recommend or endorse any Third Party
Service Provider that is accessible by or through the Rate Quote Services and/or
other Site Offerings. The Third Party Service Providers that are accessible by
and through the Rate Quote Services pay a fee for access to the users that
utilize the Rate Quote Services. MedicareSearcher does not guarantee that users
will successfully find Third Party Quotes and Products through the Site
Offerings.

(b) Please use caution and common sense when using the Site Offerings.
MedicareSearcher in no way endorses the content or legality of any responses,
statements or promises made by Third Party Service Providers or any other
parties on the Site or otherwise through the Site Offerings.

(c) The determination of the need for health insurance and the choice of health
insurance providers are extremely important decisions and should not be based
solely on advertisements, claims of expertise, or cost offered by any Third
Party Service Provider. MedicareSearcher does not review the standing of any
Third Party Service Providers with any regulatory authority or governmental
agency. Therefore, MedicareSearcher makes no representation regarding the
status, standing or ability of any Third Party Service Provider. When
considering obtaining services from a Third Party Service Provider, users should
check that Third Party Service Providers standing with the applicable regulatory
and/or governmental agencies.

(d) MedicareSearcher does not involve itself in the agreements between users and
Third Party Service Providers or the actual provision of Third Party Quotes and
Products in connection with the relationships created thereby. Therefore,
MedicareSearcher does not make any representations regarding the competency,
trustworthiness, honesty, integrity and/or behavior of either its users or Third
Party Service Providers. Each user, and not MedicareSearcher, is solely
responsible for assessing the competency, trustworthiness, honesty and integrity
of all Third Party Service Providers that the user communicates with via the
Rate Quote Service. Because MedicareSearcher is not involved in user
interactions, in the event that you have a dispute with one or more Third Party
Service Providers and/or other third-parties, you hereby release
MedicareSearcher from any and all claims, demands and/or damages (actual and
consequential) of every kind and nature, known and unknown, suspected and
unsuspected, disclosed and undisclosed, arising out of, or in any way connected
with, such disputes.

5. Content. The Site contains Content which includes, but is not limited to,
links, text, video and/or other information pertaining to health
insurance-related products and/or services. The Content is offered for
informational purposes only and is at all times subject to the disclaimers
contained herein, and on the Site. Reliance on any Content or other information
made available to you by and through the Site Offerings is solely at your own
risk. MedicareSearcher disclaims any and all liability for any loss, damage or
injury based on Content or other information directly or indirectly obtained
through the Site Offerings.

6. License Grant. As a user of the Site, you are granted a non-exclusive,
non-transferable, revocable and limited license to access and use the Site
Offerings and associated Content in accordance with the Agreement.
MedicareSearcher may terminate this license at any time for any reason. You may
use the Site Offerings for your own personal, non-commercial use. No part of the
Site Offerings may be reproduced in any form or incorporated into any
information retrieval system, electronic or mechanical. You may not use, copy,
emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse
engineer or transfer the Site Offerings, Content or any portion thereof.
MedicareSearcher reserves any rights not explicitly granted in the Agreement.
Systematic retrieval of material from the Site by automated means or any other
form of scraping or data extraction in order to create or compile, directly or
indirectly, a collection, compilation, database or directory without written
permission from MedicareSearcher is prohibited. You may not use any device,
software or routine to interfere or attempt to interfere with the proper working
of the Site Offerings. You may not take any action that imposes an unreasonable
or disproportionately large load on the MedicareSearcher infrastructure. Your
right to use the Site Offerings is not transferable.

7. Proprietary Rights. The Content, organization, graphics, design, compilation,
magnetic translation, digital conversion, software, services and other matters
related to the Site Offerings are protected under applicable copyrights,
trademarks and other proprietary (including, but not limited to, intellectual
property and moral) rights. The copying, redistribution, publication or sale by
you of any part of the Site Offerings is strictly prohibited. You do not acquire
ownership rights in the Site Offerings or any content, document, software,
services or other materials viewed at or through the Site. The posting of
information or material on the Site by MedicareSearcher does not constitute a
waiver of any right in such information and/or materials.

8. Editing, Deleting and Modification. We reserve the right in our sole
discretion to edit and/or delete, at any time, any documents, information or
other Content appearing on the Site.

9. Indemnification. You agree to indemnify, defend and hold MedicareSearcher,
its parents, subsidiaries and affiliates, and each of their respective members,
officers, directors, employees, agents, co-branders and/or other partners,
harmless from and against any and all claims, expenses (including reasonable
attorneys' fees), damages, suits, costs, demands and/or judgments whatsoever,
made by any third party due to or arising out of: (a) your use of the Site
Offerings and/or Third Party Quotes and Products; (b) your breach of the
Agreement; (c) any dispute between you and any Third Party Service Provider;
and/or (d) your violation of any rights of another individual and/or entity. The
provisions of this Section 9 are for the benefit of MedicareSearcher, its
parents, subsidiaries and affiliates, and each of their respective officers,
directors, members, employees, agents, shareholders, licensors, suppliers and/or
attorneys. Each of these individuals and entities shall have the right to assert
and enforce these provisions directly against you on its own behalf.

10. Disclaimer of Warranties. THE SITE OFFERINGS, THIRD PARTY QUOTES AND
PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR
THROUGH THE SITE OFFERINGS ARE PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE"
BASIS AND ALL PROMISES, GUARANTEES, REPRESENTATIONS AND WARRANTIES, EXPRESS AND
IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE
LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF
MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A
PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF,
MEDICARESEARCHER MAKES NO PROMISES, GUARANTEES, REPRESENTATIONS OR WARRANTIES
THAT: (A) THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER
PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS WILL
MEET YOUR REQUIREMENTS; (B) THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS
AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE
SITE OFFERINGS WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (C) YOU WILL
QUALIFY FOR THIRD PARTY QUOTES AND PRODUCTS OR OTHER INSURANCE SERVICES FROM OUR
THIRD PARTY SERVICE PROVIDERS; OR (D) THE RESULTS THAT MAY BE OBTAINED FROM THE
USE OF THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER
PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS WILL
BE ACCURATE OR RELIABLE OR SUFFICIENT FOR YOUR PARTICULAR NEEDS. THE SITE
OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR
SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS MAY CONTAIN BUGS,
ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE WILL NOT BE LIABLE FOR THE
AVAILABILITY OF THE UNDERLYING INTERNET CONNECTION ASSOCIATED WITH THE SITE. NO
ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM
MEDICARESEARCHER, ITS THIRD PARTY SERVICE PROVIDERS OR OTHERWISE THROUGH OR FROM
THE SITE OFFERINGS, SHALL CREATE ANY PROMISE, GUARANTEE, REPRESENTATION OR
WARRANTY NOT EXPRESSLY STATED IN THE AGREEMENT.

11. Limitation of Liability. YOU EXPRESSLY UNDERSTAND, ACKNOWLEDGE AND AGREE
THAT MEDICARESEARCHER SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY
DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES,
INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL,
USE, DATA OR OTHER TANGIBLE OR INTANGIBLE LOSSES (EVEN IF MEDICARESEARCHER HAS
BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND/OR SUCH DAMAGES ARE
FORESEEABLE), TO THE FULLEST EXTENT PERMISSIBLE BY LAW FOR: (A) THE USE OR THE
INABILITY TO USE THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY
OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE
OFFERINGS; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES
RESULTING FROM ANY GOODS, DATA, INFORMATION AND/OR SERVICES PURCHASED OR
OBTAINED FROM, OR TRANSACTIONS ENTERED INTO THROUGH, THE SITE OFFERINGS; (C) THE
FAILURE TO QUALIFY FOR THIRD PARTY QUOTES AND PRODUCTS FROM OUR THIRD PARTY
SERVICE PROVIDERS; (D) THE UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR
REGISTRATION DATA; AND (E) ANY OTHER MATTER RELATING TO THE SITE OFFERINGS,
THIRD PARTY QUOTES AND PRODUCTSAND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT
YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS. THIS LIMITATION APPLIES TO ALL
CAUSES OF ACTION, IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF
CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS
AND ANY AND ALL OTHER TORTS.

YOU HEREBY RELEASE MEDICARESEARCHER AND ITS THIRD PARTY SERVICE PROVIDERS FROM
ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THE LIMITATIONS
STATED HEREIN. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATIONS, THE MAXIMUM
LIABILITY OF MEDICARESEARCHER TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE
FIVE HUNDRED DOLLARS ($500.00). THE NEGATION OF DAMAGES SET FORTH ABOVE IS A
FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND
MEDICARESEARCHER. THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY
OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS
WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS.

12. Third Party Websites. The Site may provide links to and/or refer you to
other Internet websites and/or resources including, but not limited to, the
websites of Third Party Service Providers. Because MedicareSearcher has no
control over such third party websites and/or resources, you hereby acknowledge
and agree that MedicareSearcher is not responsible for the availability of such
third party websites and/or resources. Furthermore, MedicareSearcher does not
endorse, and is not responsible or liable for, any terms and conditions, privacy
policies, content, advertising, services, products and/or other materials at or
available from such third party websites or resources, or for any damages and/or
losses arising therefrom. The Site may contain links to other third-party owned
and/or operated websites and, where you request information from Third Party
Providers, MedicareSearcher may transfer you directly to the websites of such
Third Party Providers. MedicareSearcher is not responsible for the privacy
practices or the content of such websites. In some cases, you may be required to
provide certain information to register or complete a transaction at such
website. These third-party websites have separate privacy and data collection
practices and MedicareSearcher has no responsibility or liability relating to
them. We do not endorse, nor are we responsible for the accuracy of, the privacy
policies or terms and conditions of such website. These third party entities are
independent third parties and are not affiliated with us.

13. Privacy Policy/User Information. Use of the Site Offerings, and all
comments, feedback, information, Site Registration Data or materials that you
submit through or in association with the Site, is subject to our Privacy
Policy. We reserve the right to use all information regarding your use of the
Site, and any and all other personally identifiable information provided by you,
in accordance with the terms of our Privacy Policy. To access the Privacy
Policy, please click here.

14. Legal Warning. Any attempt by any individual, whether or not a
MedicareSearcher customer, to damage, destroy, tamper with, vandalize and/or
otherwise interfere with the operation of the Site, is a violation of criminal
and civil law and MedicareSearcher will diligently pursue any and all remedies
in this regard against any offending individual or entity to the fullest extent
permissible by law and in equity.

15. Dispute Resolution Provisions. The Agreement shall be treated as though it
were executed and performed in New York, New York and shall be governed by and
construed in accordance with the laws of the State of New York (without regard
to conflict of law principles).

Should a dispute arise concerning the Site Offerings, the terms and conditions
of the Agreement or the breach of same by any party hereto: (a) the parties
agree to submit their dispute for resolution by arbitration before the American
Arbitration Association in New York, New York, in accordance with the then
current Commercial Arbitration rules of the American Arbitration Association;
and (b) you agree to first commence a formal dispute proceeding by completing
and submitting an Initial Dispute Notice which can be found Here. We may choose
to provide you with a final written settlement offer after receiving your
Initial Dispute Notice (Final Settlement Offer). If we provide you with a Final
Settlement Offer and you do not accept it, or we cannot otherwise satisfactorily
resolve your dispute and you wish to proceed, you must submit your dispute for
resolution by arbitration before the American Arbitration Association, in your
county of residence, by filing a separate Demand for Arbitration, which is
available Here. For claims of Ten Thousand Dollars ($10,000.00) or less, you can
choose whether the arbitration proceeds in person, by telephone or based only on
submissions. If the arbitrator awards you relief that is greater than our Final
Settlement Offer, then we will pay all filing, administration and arbitrator
fees associated with the arbitration and, if you retained an attorney to
represent you in connection with the arbitration, we will reimburse any
reasonable attorneys fees that your attorney accrued for investigating,
preparing and pursuing the claim in arbitration. Any award rendered shall be
final and conclusive to the parties and a judgment thereon may be entered in any
court of competent jurisdiction. Nothing contained herein shall be construed to
preclude any party from: (i) seeking injunctive relief in order to protect its
rights pending an outcome in arbitration; and/or (ii) pursuing the matter in
small claims court rather than arbitration. Although we may have a right to an
award of attorneys fees and expenses if we prevail in arbitration, we will not
seek such an award from you unless the arbitrator determines that your claim was
frivolous.

To the extent permitted by law, you agree that you will not bring, join or
participate in any class action lawsuit as to any claim, dispute or controversy
that you may have against MedicareSearcher and/or its employees, officers,
directors, members, representatives and/or assigns. You agree to the entry of
injunctive relief to stop such a lawsuit or to remove you as a participant in
the suit. You agree to pay the attorneys fees and court costs that
MedicareSearcher incurs in seeking such relief. This provision preventing you
from bringing, joining or participating in class action lawsuits: (A) does not
constitute a waiver of any of your rights or remedies to pursue a claim
individually and not as a class action, in binding arbitration as provided
herein above; and (B) is an independent agreement. You may opt-out of these
dispute resolution provisions by providing written notice of your decision
within thirty (30) days of the date that you first access the Site.

16. Miscellaneous. Should any part of the Agreement be held invalid or
unenforceable, that portion shall be construed consistent with applicable law
and the remaining portions shall remain in full force and effect. To the extent
that anything in or associated with the Site and/or any MedicareSearcher
offering is in conflict or inconsistent with these Terms and Conditions, these
Terms and Conditions shall take precedence. Our failure to enforce any provision
of the Agreement shall not be deemed a waiver of such provision nor of the right
to enforce such provision. The parties do not intend that any agency or
partnership relationship be created through operation of the Agreement.
MedicareSearcher may assign its rights and obligations under the Agreement, in
whole or in part, to any party at any time without any notice to you. The
Agreement, may not however, be assigned by you, and you may not delegate your
duties under it. Headings are for reference purposes only and in no way define,
limit, construe or describe the scope or extent of such section.

17. Contact Us. If you have any questions regarding the Agreement, would like
more information from MedicareSearcher, wish to unsubscribe from emails
MedicareSearcher or third party marketers (if applicable), or revoke any prior
express written consent you may have given in order to be contacted for purposes
of receiving an insurance quote, you may contact MedicareSearcher by any of the
following means: (a) in writing to 8345 Northwest 66 Street, Suite 8577, Miami,
FL 33166; (b) by email to info@MedicareSearcher.com; (c) by text message (STOP)
sent to ; (d) by facsimile to (866) 571-9618; (e) by phone call to our toll-free
phone number, ; or (f) orally, during the course of any call with
MedicareSearcher. Without limiting any of the foregoing, you can ask us to
contact you in a specific way (for example, home or office phone) or to send
mail to a different address. We will consider all reasonable requests, and must
say yes if you tell us you would be in danger if we do not.

18. California Consumer Rights and Notices. Residents of California are entitled
to the following specific consumer rights information: you may contact the
Complaint Assistance Unit of the Division of Consumer Services of the Department
of Consumer Affairs by mail at: 400 R St., Suite 1080, Sacramento, California
95814, or by telephone at (916) 445-1254. Their website is located at:
http://www.dca.ca.gov.


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MEDICARESEARCHER - PRIVACY POLICY

Effective January 1, 2020

Read this privacy policy carefully as it contains important information about
how and why we collect, use, and share your personal information. It also
explains certain rights you may have in relation to your personal information,
and who you may contact to make certain requests. We may update or change this
privacy policy, which you should periodically review. You may only use this
website if you agree to the posted terms & conditions and this privacy policy.

WHO WE ARE.

We, us, and our mean AlliedCoverage LLC d/b/a MedicareSearcher and its affiliate
and parent companies, as applicable. MedicareSearcher is a service that matches
consumers with persons or companies that offer products or services of interest
to them. MedicareSearcher is not a licensed broker, carrier or direct provider
of insurance products or services.

NO GOVERNMENT AFFILIATION.

This website is not affiliated with or managed, endorsed or sanctioned by any
state or federal governmental agency or exchange, the Centers for Medicare &
Medicaid or the Department of Health and Human Services. To see all available
data on Qualified Health Plan options in your state, visit your state
Marketplace website or go to the Health Insurance Marketplace website at
www.HealthCare.gov.

CATEGORIES OF PERSONAL INFORMATION WE COLLECT.

(A) Identifiers such as a real name, alias, postal address, unique personal
identifier, online identifier, Internet Protocol address, email address, account
name, drivers license number, social security number, or other similar
identifiers.

(B) Related Information that identifies, relates to, describes, or is capable of
being associated with, a particular individual such as his or her name,
signature, physical characteristics or description, address, telephone number,
drivers license or state identification card number, insurance policy number,
education, employment, employment history, bank account number, credit card
number, debit card number, or any other financial information, medical
information, or health insurance information.

(C) Characteristics of protected classifications under California or federal
law.

(D) Commercial Information (e.g., records of products or services purchased,
obtained, or considered, or other purchasing or consuming histories or
tendencies).

(E) Internet Activity such as electronic network activity information, browsing
history, search history, and information regarding a consumers interaction with
an Internet Web site, application, or advertisement.

(F) Geolocation Data.

(G) Audio, electronic, or similar information.

(H) Professional or employment-related information.

(I) Inferences such as those drawn from any of the information identified above
to create a profile about a consumer reflecting the consumers preferences,
characteristics, psychological trends, predispositions, behavior, attitudes,
intelligence, abilities, and aptitudes.

(J) We do not knowingly collect information from individuals under eighteen (18)
years of age. No information should be submitted to, or posted at, our websites
by individuals under eighteen (18) years of age.

SOURCES OF PERSONAL INFORMATION.

(A) Directly from you (e.g., via telephone, text message, email, website form
submission, etc.).

(B) Publicly accessible sources (e.g., property records, public directories,
etc.).

(C) Third parties (e.g., marketing vendors and social media, digital
advertising, and data aggregation businesses).

(D) Indirectly from you (e.g., via cookies, digital trackers, analytics, and IT
and security systems).

PURPOSES OF COLLECTING PERSONAL INFORMATION.

(A) To fulfill the reason you provided the information (e.g., to match you with
an insurance agent, provide support, respond to an inquiry, etc.).

(B) To market products and services to you (including by third parties with whom
we may share your personal information).

(C) To personalize your website experience and to deliver content and product
and service offerings relevant to your interests, including targeted offers and
ads through our website, third-party sites and companies, and via email,
telephone, text message, or other means (with your consent as required by
applicable law).

(D) For other marketing purposes.

(E) To help maintain the safety, security, and integrity of our website,
products and services, databases and other technology assets, and business.

(F) To evaluate or conduct a merger, restructuring, sale, or other corporate
transaction in which personal information is among the assets transferred.

(G) To investigate and prevent fraud and abuse of our website, products, and
services.

(H) To comply with our legal and regulatory obligations.

(I) For other business purposes.

WHO PERSONAL INFORMATION MAY BE SHARED WITH.

(A) Persons or companies that offer insurance products or services (Insurance
Providers).

(B) Marketing vendors and social media, digital advertising, and data
aggregation companies (Marketers).

(C) Auditors, attorneys, consultants, professional service providers, etc.
(Professional Services).

(D) Other parties with a legal interest (including private parties and
government or regulatory entities) (Legal Parties).

(E) Other service providers we use to help provide our products or services
(Service Providers).

SALES AND DISCLOSURES OF PERSONAL INFORMATION IN THE PAST 12 MONTHS.

(A) In the past 12 months, we have sold Identifiers, Related Information,
Characteristics, Commercial Information, Internet Activity, Geolocation Data,
and Professional information to Insurance Providers and Marketers.

(B) In the past 12 months, we have disclosed for business purposes Identifiers,
Related Information, Characteristics, Commercial Information, Internet Activity,
Geolocation Data, Audio, Professional, and Inferences to Professional Services,
Legal Parties, and other Service Providers.

CALIFORNIA RIGHTS AND INFORMATION

(A) California consumers have the right to request that businesses disclose
certain information to them about the use of their personal information over the
past 12 months. Upon receipt of a verifiable request, to the extent required and
permitted by applicable law, we will disclose to California consumers: (i) the
categories of personal information we collected about them; (ii) the categories
of sources for the personal information we collected about them; (iii) our
business or commercial purpose for collecting or selling that personal
information; (iv) the categories of third parties with whom we share that
personal information; (v) the specific pieces of personal information we
collected about them; and (vi) If we sold or disclosed personal information for
a business purpose, two separate lists disclosing (a) sales, identifying the
personal information categories that each category of recipient purchased; and
(b) disclosures for a business purpose, identifying the personal information
categories that each category of recipient obtained.

(B) California consumers have the right to request that businesses delete any of
the personal information that they collected from consumers and retained,
subject to certain exceptions. Upon receipt of a verifiable request, to the
extent required and permitted by applicable law, we will delete (and direct our
service providers to delete) your personal information from our records, unless
an exception applies.

(C) To request disclosure or deletion of your personal information, click the
Data Request hyperlink located near the bottom of the landing page on our
website, or dial the telephone number listed in our contact information.

(D) California consumers have the right to direct businesses to not sell their
personal information. To request that we do not sell your personal information,
click the Do Not Sell My Personal Information hyperlink located near the bottom
of the landing page on our website.

(E) California consumers may not be discriminated against for exercising any of
their rights under the California Consumer Privacy Act. Businesses may, however,
offer certain financial incentives that can result in different prices, rates,
or quality levels.

(F) California's "Shine the Light" law permits California residents to request
certain information regarding businesses disclosure of personal information to
third parties for their direct marketing purposes. To make such a request,
please click the Data Request hyperlink located near the bottom of our website
or write to us at the address listed in our contact information.

(G) Some browsers have ?do not track features that allow you to tell a website
not to track you. These features are not all uniform. We do not currently
respond to those signals.

COOKIES AND TRACKING TECHNOLOGIES.

We may collect personal information over time and across different websites,
apps, and devices. We may also work with third parties that collect personal
information this way. Examples of tracking tools we may use include browser and
flash cookies, server logs, web beacons, and similar technologies. Examples of
services we may use include Google AdWords and Facebook Custom Audiences. You
can visit the help and settings sections of your browsers, mobile devices,
social media companies, and other technology providers to learn about what
options you may have to control their use of your data. You can also learn more
about tracking technologies and how to control them by visiting the Federal
Trade Commissions Online Tracking website located (as of December 2019) at
https://www.consumer.ftc.gov/articles/0042-online-tracking#Understanding_Other_Online_Tracking

TELEPHONE CALLS AND RECORDINGS.

You provide your prior express written consent to receive marketing telephone
calls and text messages (including those sent by automatic telephone dialing
systems and including prerecorded messages) to any telephone number that you
provide to us, even if that number is listed on a do-not-call registry. Consent
is not a condition of purchasing any goods or services, and you can use our
services or products without providing this consent by dialing the telephone
number on our website. You also agree that all telephone calls and conversations
with us and anyone we may transfer your telephone call to or from may be
recorded for quality, customer-service, compliance, and regulatory purposes.

RETENTION OF PERSONAL INFORMATION.

We keep personal information for as long as is necessary to provide our products
or services to you; to respond to any questions, complaints or claims made by
you or on your behalf; to keep records required by law or to demonstrate
compliance with regulations; and to fulfill the purposes set forth in this
policy.

INFORMATION SECURITY.

We have appropriate security measures in place to prevent personal information
from being accidentally lost or used or accessed in an unauthorized way. Those
processing your information as service providers will do so only in an
authorized manner and are subject to a duty of confidentiality.

CONTACT INFORMATION.

Mail: AlliedCoverage LLC; Att: Privacy Team, 8345 Northwest 66 Street, Suite
8577, Miami, FL 33166

Email:info@MedicareSearcher.com

Telephone: 855-905-2395

California Requests: Click the Data Request or Do Not Sell My Personal
Information hyperlinks located near the bottom of the landing page on our
website.


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CONTACT US


PHONE NUMBER

(877) 404-1208


EMAIL ADDRESS

info@MedicareSearcher.com


MAILING ADDRESS

8345 Northwest 66 Street, Suite 8577

Miami, FL 33166

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Email*
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For more information or questions concerning the Health Insurance Portability
and Accountability Act (HIPAA), please email hipaa@myquoteprovider.com or call
(888) 907-2427.

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CARRIERS AND PARTNER COMPANIES INCLUDE, WITHOUT LIMITATION, THE FOLLOWING
(INCLUDING THEIR AGENTS):




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