Terms & Conditions

Arbitration Agreement Notification:

A Dispute Resolution Accord embedded within these Guidelines holds paramount significance. The practice of Dispute Resolution, as an approach, provides an alternative avenue to traditional court proceedings. It entails an impartial mediator with the authority to render conclusive judgments on disputes guided by the evidence and contentions presented. Users ought to acknowledge that embracing these principles might preclude certain legal entitlements customarily accessible in a courtroom, such as a trial by a jury. Thus, it becomes imperative that each individual invest time to meticulously scrutinize, comprehend, and contemplate the far-reaching implications of this section. Well-informed choices serve as a safeguard against unforeseeable circumstances. Should you disagree with the tenets of this Dispute Resolution Accord, it is advisable to abstain from accessing or utilizing our services.

Class Action/Class Arbitration Renunciation Notification:

Within these Terms & Conditions, a provision waives Your ability to initiate or be part of class actions or arbitrations. The Arbitration segment elaborates on this. Please only utilize our service if you favor renouncing class-based legal actions.

These Terms & Conditions, hereafter termed "Terms," dictate your utilization of the SeniorLifeDiscounts.com platform, termed "Site." The site is a service of SeniorLifeDiscounts.com, termed "Site Proprietor" or "us." Engaging with the site implies your acceptance of these Terms. If these Terms aren't yours, kindly avoid accessing or using the site. We may periodically modify these Terms without prior notification, with changes published on the site. Interacting with the site post-modifications means you accept the changes.

You can access the site if you reside in the United States and are 18 or above.

Offered Services on the Site:

The site provides a conduit where users can request insurance or discount program quotes from our affiliate network, which includes insurance representatives, brokers, and other service providers, collectively termed "Services." Our goal is to offer pertinent details to assist users in making informed choices. By submitting your details, we will strive to connect you with suitable insurance entities or companies.

Please note that we neither provide insurance contracts nor vouch for any insurance policy or company. We don't offer advice related to insurance, finance, or taxes. There's no guarantee of receiving contact or offers from the agents or companies linked to your application. For tailored advice or policy suggestions, kindly seek a qualified professional.

At our discretion and for any cause, we reserve the exclusive right to cease, alter, pause, or conclude any element of the Site or the Services. This encompasses but is not confined to content, functionalities, or operating hours. We might also enforce limitations on specific aspects of the Services or Site or restrict your access to certain sections or the entire site without prior notice or penalties.

It's essential to note that accessing and utilizing the site comes at absolutely no cost.

Revenue Generation Mechanism:

SeniorLifeDiscounts.com operates as an independent, advertising-supported website publisher, serving as a conduit to connect individuals with insurance providers and other affiliates, enabling consumers to access information about health insurance and connect with insurance agents. This website may generate revenue through leads, clicks, calls, and applications and receive compensation from advertisers promoting sponsored products and services. This compensation may influence product presentation, placement, and sequencing on the website. This website is not engaged in brokering or selling insurance products.

Ownership Rights:

All rights, including content, data, and materials on the site, belong exclusively to the Site Proprietor. Engaging with the site doesn't confer any ownership rights to you. Unauthorized commercial exploitation of the site is strictly prohibited. You can view content on personal devices and make copies for non-commercial use. Any misuse may be subject to legal consequences. Use of our trademarks or logos requires explicit written consent. Third-party trademarks belong to their respective owners.

User Submissions:

As you explore our website, you might find moments where we ask for your information or materials – we call these "User Submissions." User Submissions cover a range of content, including the information you share when applying for quotes ("Application Data") and any other info and materials you send via our online forms, email, or any other method on our site. To understand how we handle personal information, please read our Privacy Policy – an essential reference in these Terms. Remember, you're responsible for the accuracy and content of your User Submissions. We make no assurances about preserving these submissions and retain the option to discard or erase them as we see fit. If we encounter User Submissions that we consider illegal, unwelcome, unsuitable, or in breach of our Terms, we maintain the prerogative to decline or eliminate them, whether partially or entirely.

Session Data:

While using our website, your interactions may be recorded using third-party recording technology, such as ActiveProspect's TrustedForm and Jornaya's TCPA Guardian. We might also call on third parties to monitor and log what's happening on our website for analytics and optimization. Some of these third parties include:

Anura
E2Value
Email Oversight
Forensiq
Jornaya
Transunion
Towerdata
Active Prospect
Jornaya
Google
Adobe

By using our site, you're giving the green light for these third parties to record your interactions. It's essential to check out our Privacy Policy before you continue using the site to understand how we handle information, especially personal data privacy.

User Conduct:

When you use our site, you're committing not to upload, post, transmit, distribute, or publish materials that:

(a) Step on copyright, proprietary, or intellectual property rights without the proper permissions.

(b) Cross the line into being unlawful, threatening, harassing, profane, defamatory, vulgar, obscene, fraudulent, or promoting hate, or containing explicit or graphic descriptions of sexual acts, invade someone else's privacy.

(d) Contain viruses, harmful stuff, advertising, or false information.

Moreover, you pledge not to:

(a) Pretend to be someone you're not or falsely claim an affiliation with another person or entity.

(b) Exploit the information or material you get from the site for personal gain.

(c) Get involved in spamming, flooding, scraping email addresses or personal information, or any other activity to collect user info or send out chain letters or pyramid schemes through the site.

(d) Try to access other computer systems without authorization through the site.

Additionally, you commit that you shall not employ the site to damage, deactivate/overburden, interrupt, or cause an obstacle to others' pleasure, as others intended and desired. Do not use other means to obtain materials or information apart from the ways specified by the site's official sources.

Finally, it's your responsibility to take on the duty of defending, indemnifying, and safeguarding the Site Owner, as well as their directors, officers, staff, agents, and associated parties, against any claims, liabilities, expenses, and costs, including reasonable legal fees, arising from your misuse of the site, posting or sending messages, content, data, software, or any other materials through the site, or any violations of the law or the terms and conditions.

Agreement to Arbitrate:

Both you and us hereby agree to submit all claim(s) or controversies that may arise concerning your use of our Services or otherwise relating to any product or service you obtain or acquire using our Services to finally binding arbitration, even with regards to subsidiaries and partnerships of ours in relation to third parties or their employees, such as site owners. You may venture into that direction if you file a small claim lawsuit. The Federal Arbitration Act will govern this Agreement to Arbitrate section.

Prohibition of Class Actions and Non-Individualized Relief:

We're both on the same page that we'll only bring claims against each other as individuals, not as part of a class or representative action. This includes cases under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. Unless we both agree otherwise, the arbitrator can't bundle claims from different individuals or parties, and they can't oversee consolidated, representative, or class proceedings. The arbitrator can only award relief to the individual party seeking it, whether monetary, injunctive, or declaratory relief and only to the extent needed to address their specific claims. The relief granted won't affect other users.

Arbitration Understanding & Process:

Disagreements arising from our services are addressed through arbitration, a binding process where a neutral third party determines the outcome. This method is often swifter and more cost-effective than court trials. However, users waive rights like jury trials or participating in class action lawsuits by opting for arbitration. The arbitration follows the guidelines established by the American Arbitration Association. Decisions made are final.

Dispute Resolution Mechanism:

In handling disagreements emerging from this Contract's interpretation, viability, execution, or establishment, or these Provisions, the sole decision-making power lies with the arbitrator, not any local, state, or federal court or agency. This includes matters concerning this Contract's validity, potential invalidity, or Provisions.

The guidelines set by the American Arbitration Association ("A.A.A."), encompassing the Extra Procedures for Customer-related Disagreements (if relevant), will shape the arbitration process, subject to modifications detailed in this Contract. Details about the A.A.A.'s regulations and the method to initiate the arbitration process are available on the A.A.A. website at http://www.adr.org.

The arbitration will occur in your residing county or any other mutually agreed location. In scenarios where the compensation amount sought doesn't exceed $10,000, either party can choose to proceed with the arbitration through phone or written documents. This choice becomes conclusive unless the arbitrator perceives an essential need for an in-person meeting. If needed, the arbitrator might allow in-person participation through telephonic means.

The arbitrator will establish the essence of all claims following the laws governing the State of California while infusing elements of fairness and recognizing all legitimate legal privileges. While past decisions involving different users won't influence the arbitrator, they are influenced by prior verdicts with the same user, in line with prevailing laws. The arbitrator's decision stands definitive, and any court holding competent authority can endorse the judgment based on the arbitrator's conclusion.

This dispute resolution clause will remain applicable even after ending this Contract or your association with our offerings.

Arbitration Costs:

Except as contrary herein, all such costs of filing, administering, and arbitrator's fees will be in accordance with the A.A.A.'s rules. If your compensation claim ranges between ten thousand dollars ($10,00 and ten thousand dollars or less), kindly inform us in the "Other" column, as we shall cater for all costs associated with the arbitration. However, when making a demand for arbitration, kindly direct it to the A.A.A. in such a case, and we will see that the payments proceeds quickly reach there. We shall also contribute towards your arbitration fee that goes beyond $10,000; nonetheless, once an arbitrator finds your claims at the arbitration to be frivolous, you agree to reimburse us for all the arbitration expenses incurred on your behalf according to the rules of the A.A.A.

Confidentiality

Privacy and confidentiality are of paramount importance to us. All arbitration proceedings and awards are to be treated as strictly confidential, safeguarding sensitive information. This confidentiality commitment is, however, subject to any compelling requirements by a court order or when necessary to confirm, vacate, or enforce the award. In addition, disclosure may occur in confidence to the parties' respective legal representatives, tax advisors, senior management, and family members of an individual party. Rest assured, we take the protection of your information seriously.

Severability

Our steadfast dedication to upholding a legally binding contract is our unwavering promise. Should an arbitrator or court find any segment of this Arbitration Agreement lacking validity or enforceability, take comfort in knowing that the other aspects of this pact remain unscathed. Nevertheless, it is imperative to highlight that if an arbitrator or court deems any provisions in Section 1 of this Agreement (pertaining to the Prohibition of Class and Representative Actions and Non-Individualized Relief) as lacking in validity or enforceability, the entire Agreement to Arbitrate shall be rendered null and void. The remainder of these Terms will persist, ensuring the safeguarding of your rights, and continue to be applicable. Your protection remains our paramount commitment.

DISCLAIMER OF WARRANTIES

At the heart of our commitment lies the unwavering pursuit of offering you an unparalleled journey through our platform. However, it would be best if you grasped the essence of our services' unique character and boundaries. With its myriad services, content, functionalities, and resources, our site is presented in its raw, unadorned form, "as is" and "as available." In this unaltered state, we do not cloak it with explicit or implicit guarantees pertaining to the accessibility, precision, utility, or essence of the information within. This sweeping disavowal includes data, processing capabilities, and uninterrupted access. Furthermore, we renounce all claims to titles, non-infringement, merchantability, and suitability for specific purposes. Embrace our platform's unfiltered vitality as we navigate this digital adventure together.

In our relentless pursuit of excellence, it's imperative to acknowledge that while our website offers a wide array of services, content, features, and materials, it may not consistently achieve flawless perfection, impeccably timed performance, absolute security, uninterrupted operation, or total freedom from errors. Expecting it to cater perfectly to every individual's unique requirements is unrealistic. Hence, it's crucial to grasp and use our platform's guidance, insights, or data while remaining mindful of the guidelines and constraints detailed in our terms and conditions. Should you ever find yourself dissatisfied with the platform's performance, it's prudent to consider discontinuing its usage. Furthermore, maintaining a record of user submissions is a wise step to ensure preparedness for potential disruptions or data unavailability. Our unwavering commitment revolves around delivering an exceptional user experience that hinges on transparency and a deep comprehension of the inherent limitations of our platform, thereby fostering a partnership of trust and reliability.

LIMITATION OF LIABILITY

At the heart of our digital haven, we want to ensure you're well-acquainted with the terms that govern our digital universe. Here's the nitty-gritty: should you choose to explore our online domain, understand that the responsibility lies with you, the intrepid user, to tread lightly and responsibly. In the wild, interconnected realm of this site, its proprietor, together with its illustrious cast of directors, officers, devoted employees, vigilant agents, steadfast affiliates, and the talented maestros providing content and services (a motley crew we fondly call the "Protected Entities"), share in a promise: we shall not be held accountable for any unforeseen adventures that may befall you.

Whether you embark on a journey fraught with direct or indirect difficulties, be it of a special or incidental nature or even laced with a dash of the unexpected, exemplary, or punitive twists, it's vital to know that the world you navigate here can be as unpredictable as a treasure hunt. While you set forth into this realm, brimming with content, materials, and functions, please remember that we can't guarantee it's all smooth sailing. There's a potential for stormy weather, including the loss of revenue, foregone profits, missed business opportunities, or even elusive sales. Even if we, the cherished guardians of this digital sanctuary, drop you a friendly warning, the journey remains yours to command.

Keep in mind, dear traveler, that some territories of the digital cosmos may grant more leeway than others. We are united in our quest to shield you from perils, but certain realms may have differing rules. So, should the unexpected befall you, remember that our duty to protect doesn't extend to the content posted, transmitted, exchanged, or received by any curious explorer or fellow wayfarer in this uncharted cyberland. In this vast landscape of limitless connections, together we tread, and with our collective wisdom, adventure awaits around every digital corner.

Links from and to the Site

Navigating through our digital realm, you may stumble upon enticing pathways leading you to other corners of the internet. These virtual trails beckon your curiosity, allowing you to venture into the mesmerizing terrain of websites beyond our own. Yet, it's crucial to grasp that the doorways we provide to these distant domains, aptly referred to as "Linked Sites," come without guaranteeing information precision or perpetual accessibility. They are independent entities, and their connection to us doesn't insinuate a tacit endorsement or kinship concerning their content, wares, advertisements, or other digital artifacts. The creation, curation, and vigilant watch over these Linked Sites are beyond our purview. We, therefore, relinquish responsibility, either direct or tangential, for any harm or loss attributed to, or in connection with, the utilization or reliance upon the content, commodities, or amenities found within the folds of these Linked Sites.

Links to Third-Party Web Sites

While traversing the expansive web of SeniorLifeDiscounts.com, it's worth noting that the virtual crossroads leading you to websites outside our ownership and administration, aptly termed "Off-sites," will transport you to distant realms, momentarily disconnecting you from our cyber haven. In such instances, it's essential to understand that the rules governing privacy or terms of engagement in these off-sites are not under our jurisdiction. We refrain from casting judgments or weaving protective wards around Off-site content's accuracy, timeliness, or appropriateness. As such, we disclaim any obligation for these external domains, for they dance to the rhythm of their digital symphonies.

Mobile Terms & Conditions/Privacy Policy

We aim to provide transparency and clarity when it comes to our mobile services. Here are some essential details:

Opting In: To participate in our program, follow our quote request form prompts and click the submit button. By doing so, you will agree to receive standard-rate SMS text messages from SeniorLifeDiscounts.com.

Seeking Assistance: Don't hesitate to reach out if you need assistance. Reply with "HELP" to receive the help you require, or send an email to [insert email address].

Opting Out: We respect your choices.

If you ever wish to opt out, you can send a text with the word "STOP."

Message Frequency: You can expect to receive at most ten messages from us each month.

Supported Carriers

Our services aim to accommodate a wide range of mobile carriers. Supported carriers include Alltel, AWCC, AT&T, Boost, Cricket, Cellcom, Cellular South, Cincinnati Bell, T-Mobile/MetroPCS, Nextel, nTelos, Sprint, Verizon Wireless, Virgin Mobile, U.S. Cellular, ACS Wireless, Bluegrass Cellular, Centennial Wireless, ECIT – Cell One of East Central IL, EKN/Appalachian Wireless, GCI Communications, Illinois Valley Cellular, Immix Wireless/PC Management, Inland Cellular, Nex-Tech Wireless, RCC/Unicel, Revol, Thumb Cellular, United Wireless, and West Central Wireless.

Applicable Laws

At the heart of our commitment is the responsible operation of this platform in full accordance with the prevailing laws. Our headquarters, nestled within the United States of America, is the epicenter of our site's control and operations. We are dedicated to delivering content that enriches and informs; however, the materials found on this site may only sometimes align with the standards or availability in diverse global regions. It's imperative to recognize that individuals who opt to access our site from different locales are doing so voluntarily and are responsible for conforming to their local laws, should they be applicable. This dynamic interplay of global connectivity and individual responsibility makes our digital realm unique and exciting.

Miscellaneous

Now, as we venture into the intricate tapestry of rules and regulations, picture the vibrant state of California. In this place, culture and innovation intertwine in a dazzling display of diversity. It's against this backdrop that our Terms of Service come to life. For any issues arising from these Terms, envision the stage being set right here in California. The legal proceedings unfold like scenes from a cinematic adventure, gracefully dancing across the breathtaking landscape of this remarkable state, where innovation meets the law in a dynamic fusion.

But let's be clear: this isn't a one-sided performance. Both you and us, bound together by these digital pages, willingly step onto this California stage. We pledge our loyalty to the California courts, which stand as the guardians of justice in this theater of legality. We understand that life is full of surprises, and our commitment remains unwavering even in the event of an unexpected twist. If any part of these Terms is ever deemed invalid, we believe the remaining script should be followed faithfully, as actors continue their performance even when one scene falters.

In the grand production of our online services, your satisfaction and trust are our guiding stars. If you ever need answers or guidance, please know that the curtains are never closed for your inquiries. Your understanding of our policies is our standing ovation, and we're here to ensure you're safe and well-informed on this thrilling digital journey.