Terms and Conditions

Effective Date: July 1, 2019

These Terms and Conditions (Terms) should be viewed in conjunction with our Privacy Policy. Yellow Pad Media LLC and Pollen Insurance Group LLC own and operate the site medigapcoverage.com. You must be at least 18 years old to access and use the website. By using the website and any services offered or obtained directly or indirectly through the website you agree to be legally bound and agree to accept these Terms and Conditions including an agreement to ARBITRATE ALL CLAIMS, A DISCLAIMER OF WARRANTIES BOTH EXPRESS AND IMPLIED AND A PROHIBITION OF CLASS ACTION REPRESENTATION. Unless you agree to these terms and conditions you are prohibited from using our website.
We reserve the right at any time to change or stop using any part or feature of our website and any such changes will be affected immediately. Please check our site periodically to see if we have made any changes. Please note the last date of change which we post at the top of the page.
Privacy Policy. Please review our privacy policy which we incorporate by reference into this Agreement. By using our website you hereby agree to that policy.
Tools. Our website helps you obtain information from unaffiliated third parties including insurance companies, marketing partners and affiliates. These tools and parties help you find information about Medicare Supplemental policies including a price comparison. While we make every reasonable attempt to ensure that such information is accurate and reliable, you agree not to hold us liable in the event some or all of such information is inaccurate. You also understand that while we maybe compensated by such third parties for sharing your information or by insurance companies for submitting an insurance application, you acknowledge that we are not an insurance company and that you agree to such compensation arrangement. We do not endorse any specific policy and you agree that you will only hold any insurance company responsible if you purchase a policy from them.
Clicking. You agree that by clicking on any link or by using such website you agree to these terms and conditions.
Telephone. You also acknowledge that by providing your phone number that you agree to be contacted by us or one of our third party partners in order to help you with regard to obtaining information about Medicare, Medicare Supplements or a particular insurance policy.
Email. You agree by giving us your email address you agree that we or one of our partners may contact you by using such email address.
License. We grant you a limited, non-exclusive, revocable license to use such information obtained through our website. You may not use any material obtained thereby for any commercial use, nor may you use any trademarks or service marks without our express written permission.
Disclaimers. We make every reasonable effort to make sure that the information we convey to you is accurate but we cannot guarantee that to be the case as errors can and do occur. You must make sure that any information that you rely on is correct.
Legal Fees. You agree as a condition of using this website and its materials to indemnify us (medigapcoverage.com, Yellow Pad Media LLC and Pollen Insurance Group LLC) from any liability and expenses including attorney’s fees that we may incur from your using this website.
ARBITRATION. We and you agree to submit any claim or dispute to binding arbitration on an individual basis only and not through any type of class action. Any arbitration shall be governed by the rules and procedures as promulgated by the American Arbitration Association. Such arbitration shall be held in Hollywood, FL or such other place as mutually agreed. If the amount is under $5,000 we agree to utilize an arbitration procedure by telephone. Any arbitrator shall use the laws of the State of Florida. Payment of all cost shall be governed by the rules of the American Arbitration Association.
Severability. If any part of this agreement is deemed invalid the other parts of this agreement will continue and still apply.
Recording. You agree that we may record any conversation with you for statistical purposes and as permitted by law.
Third Parties. Many services and products may be provided by third parties that we connect you to. You agree that this does not mean we endorse such product and that you will look to that product or service provider if you have any problem or issue with them.