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Medicare Agent Center

Medicare Agent CenterMedicare Agent CenterMedicare Agent Center
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  • Terms and Conditions

terms and conditions

  

Last Updated:  May 1, 2021

About This Agreement 

                                   Welcome to the Medicare Agent Center Inc. website. We want you, the consumer, to be familiar with your  rights and obligations relating to use of our websites and services as  well as our promises to you. You should carefully review all the terms  below. Here are a few important points:                                                     

  • We take your privacy very seriously. See our Privacy Policy.
  • By taking action to request  information, accept terms, or submit information, you are consenting to  certain contact from Medicare Agent Center Inc. and our partners.(Section 2)
  • Medicare Agent Center Inc. is not liable for your activities and makes no warranties with respect to our sites. (Section 10)
  • You agree to arbitrate in your individual capacity if there is a dispute between us. (Section 14)
  • Please do not hesitate to contact if you have questions or need help.

1. About These Terms of Use. 

                                   Medicare Agent Center Inc.. k/a Medicare Agent Center Inc.("Medicare Agent Center Inc.", "we",  "us" or "our"), operates several websites, including this website (each a  "Site" and collectively, the "Sites"). By using or accessing this Site,  a mobile application of this Site, or any of the Site's Content (as  defined below), you acknowledge that you agree to and are subject to the  following terms and conditions of service (the "Terms"). The Terms  constitute a legally binding agreement between you and Medicare Agent Center Inc. as the owner or operator of the Site. You covenant,  represent and warrant that you have any and all authorizations as may be  necessary to enter into this agreement and that your use of the Site,  including provision or use of any Content (defined below), does not  violate any applicable law. If you are using the Site on behalf of an  employer or other entity, you represent and warrant that you have the  authority to bind such entity to the Terms. You must be a resident of  the United States (including its territorial possessions) and at least  eighteen (18) years of age to access and use the Site. These provisions  form an essential basis of our bargain.                                                     

                                   If you do not agree to these Terms,  you are not authorized to access or use the Site or the services offered  on the Site. Stop using any services and exit the Site.                                                     

                                   Because we provide a wide range of  services, we may ask you to review and accept supplemental terms that  apply to a specific product, service, or app. To the extent those  supplemental terms conflict with the Terms, the supplemental terms  associated with the product, service, or app govern with respect to your  use of such product, service, or app to the extent of the conflict.                                                     

Notice Regarding Dispute  Resolution: These Terms contain provisions that govern how disputes  between you and Medicare Agent Center Inc. are resolved, including an  agreement to arbitrate, which will, with limited exception, require you  to submit claims you have against us to binding and final arbitration  and limit you to claims against Medicare Agent Center Inc. on an  individual basis.  2. Consent and Privacy. 

                                   By clicking on any button indicating  an acceptance or agreement to terms, a continuance of processing, a  request for quotes or additional information or any other submission  ("submission"), you understand that you are agreeing to the stated terms  and conditions of that submission and that you are submitting an  inquiry as to insurance or another product or service through Medicare Agent Center Inc. to insurance agents and companies and other third  parties who are customers of our Site, such as marketing partners (each,  a "Provider"), to whom your inquiry is transmitted. The inquiry is  about quotes for health insurance or another product or service. By  including your telephone number and email address in any submission, you  are extending an express invitation and providing your express written  consent to Medicare Agent Center Inc. and to each and every Provider  you have been matched with (i) to contact you by telephone at the  numbers you have provided (including through auto-dialed, pre-recorded,  artificial voice and/or text messages) so they may assist you with your  transaction and you hereby consent to any such calls or texts even if  your phone number is on any corporate, state or national Do Not Call  list or registry, or (ii) to contact you by email at any email address  you provided. You are not required to provide your consent to be  contacted in order to purchase or receive goods or services, however.  For SMS and MMS text messaging, message and data rates imposed by your  mobile data provider may apply. You represent that all of the  information you have provided in your submission is true and complete.  By submitting information on an insurance request form or similar form  on our Site, you authorize us to provide such information to Providers  in order to help you complete your inquiry (including providing you with  information about other products or services in which you have  expressed an interest). Additionally, where applicable (such as by  submitting a request for health insurance), you authorize the Providers  to verify the accuracy and authenticity of all information supplied by  you, both internally and with the assistance of unaffiliated third  parties or credit bureaus.                                                     

                                   When you use the Site to make a  submission, you agree to allow the Site, Medicare Agent Center Inc.,  and our affiliates to add your telephone number and email address to our  database of users. You may receive one or more marketing calls or  emails from the Site, Medicare Agent Center Inc. and/or our  affiliates. You may opt not to receive such marketing emails from us at  any time. Please review our Privacy Policy for more information regarding our information collection practices and  safeguards, and how to opt not to receive such emails. Your use of the  Site signifies your acknowledgement of and agreement with our Privacy Policy, which is expressly incorporated into these Terms.                                                     

                                   Please note that we may make and  retain records documenting your digital interactions with our Sites. We  may engage the services of outside vendors to help us perform this  compliance activity.                                                     

3. Our Services. 

                                   PLEASE BE ADVISED THAT WE ARE NOT AN  INSURANCE COMPANY, WE DO NOT PROVIDE MEDICAL SERVICES OR HEALTH CARE,  NOR DO WE OFFER INSURANCE. We are not a Insurance Provider and we do not  offer Insurance Plans. Instead, the Site acts as a venue to allow  Providers to offer insurance and other opportunities to consumers (each,  a "Prospect"; all Prospects and Providers are referred to together as  the Site's "users") who have visited one of our Sites or affiliated  sites and given their information to be contacted by companies offering  Insurance plans, health insurance or other products. We do not offer any  products or services described on the Site, nor do we engage in other  consumer financial transactions. DO NOT CANCEL ANY EXISTING INSURANCE  UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO  WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.                                                     

                                   We are not involved in the  transaction between any Prospect and any Provider even though we may,  through our Site or other affiliate sites, and with each Prospect's  authorization, collect certain information (collectively, a "Lead")  about any Prospect and sell such Lead to a Provider. Consequently,  Medicare Agent Center Inc. is not responsible for any service-related  issues you may experience or inquire about, such as problems receiving a  quote for insurance, coverage questions, or problems managing payments.  Any service issue is solely the responsibility of each user. We are an  independent contractor for all purposes.                                                     

                                   We are not responsible in any way  for the conduct of any Prospect or Provider. We do not endorse or  recommend any Providers, or companies offered by any Provider. We do not  guarantee that any of the Providers to whom we forward any Prospect's  information will contact such Prospect or agree to provide the Prospect  with any form of help. The Providers that can connect you with health  insurance or conditional offers may not respond with quotes or offers  until they obtain additional information from you. Although Medicare Agent Center Inc. is compensated by Providers when we display  advertisements for their products or services to you and/or when fill  out and submit a form, we do not make any decisions in connection with  the offers that may be offered to you. Any compensation from Providers  is payment for our services, tools and facilities. Your use of the Site  and/or the Service constitutes your agreement with this compensation  arrangement. The Site and the products, services and opportunities  provided or advertised on and through the Site may not be available in  all states, and the availability of such services, products and  opportunities offered on and through the Site may change from to time  without notice. Medicare Agent Center Inc. does not guarantee any  form of insurance or specific terms or conditions with any Provider. To  help the government fight identity theft, the funding of terrorism and  money laundering activities, and to help attempt to verify your  identity, Providers may obtain, verify and record information that  identifies each person who filled out a form. For example, they may ask  for your name, Social Security Number or driver's license number,  address, date of birth, and other important information, that will allow  proper identification of you. During the Provider application process,  the Provider may also ask for additional information.                                                     

4. Personal Use. 

                                   Although we do charge a fee to  Providers to purchase Leads or information we gather from our Sites, and  we may from time to time charge users fees for utilizing various other  services that may now or in the future be provided by our Site, we do  not charge users to access the public portions of our Site. Accordingly,  we grant each user a limited, revocable, non-exclusive license to  access the Site in order to, as applicable, view or make legitimate  inquiries to us regarding our Service, all in accordance with these  Terms. We further grant each Provider a limited, revocable,  non-exclusive license to access the password-protected portions of the  Site or the Service (as applicable) in accordance with these Terms or  any written agreement between us and the Provider. Any other use of the  Site or the Service is expressly prohibited. Importantly, this limited  license does not include any right of collection, aggregation, copying,  duplication, display or modification of the Site or the Service nor any  right of use of data mining, robots, spiders or similar data gathering  and extraction tools without our prior written permission; provided,  however, that a limited exception from the foregoing exclusion is  provided to general purpose internet search engines and non-commercial  public archives that use tools to gather information for the sole  purpose of displaying hyperlinks to the Site, provided that they each do  so from a stable IP address or range of IP addresses using an easily  identifiable agent and comply with our robots.txt file.                                                     

5. Proprietary Rights and Downloading of Information from the Site. 

                                   The Site is protected by copyright  as a collective work and/or compilation, pursuant to U.S. copyright  laws, international conventions, and other copyright laws. The text,  files, images, photos, maps and other materials on the Site and/or  available through the Service (collectively, the "Content") are only for  each user's personal use in accordance with the limited license grant  contained herein or (in the case of Providers) also pursuant to any  separate written agreement. All Content on the Site, and the Site  itself, is protected by copyright and database rights, and you will  abide by any and all additional copyright (or other proprietary)  notices, information, or restrictions contained in or relating to any  Content on the Site. Copying or storing of any Content other than for  your personal, noncommercial use is expressly prohibited without the  prior written permission from us or the applicable copyright holder. All  trade and service marks and logos used on the Sites (including, without  limitation, the Site's domain name) are the exclusive property of  Medicare Agent Center Inc.. or its licensors (as applicable), you may  not copy or use them in any manner and all goodwill arising from the  usage thereof shall inure to our (or our licensors', as applicable) sole  benefit.                                                     

6. Unauthorized Use. 

                                   Unless otherwise provided within  these Terms, or unless otherwise applicable law requires us to allow you  to do so, you may not do any of the following without our prior written  consent:                                                     

  • Copy reproduce, upload, post, display, republish, distribute, or transmit any part of the Content in any form whatsoever;                                     
  • Reproduce any portion of the  Site or the Service on your website or otherwise, using any device  including, but not limited to, use of a frame or border environment or  other framing technique, to enclose any portion or aspect of the Site or  Service, or mirror or replicate any portion of the Site or Service;                                     
  • Modify, translate into any  language or computer language, or create derivative works from, any  Content or any part of this Site or Service;                                     
  • Reverse engineer any part of this Site or the Service;                                     
  • Sell, offer for sale, transfer, or license any portion of the Site or Service in any form to any third parties;                                     
  • Use any robot, spider, other  automatic device, or manual process to monitor, copy, or keep a database  copy of the Content or any portion of the Site or Service;                                     
  • Use the Site other than to learn about our Service and to make legitimate inquiries to us regarding our Service;                                     
  • Use the Site to create any false or fraudulent account or inquiry or engage in any fraudulent action;                                     
  • Post or transmit any unlawful,  threatening, abusive, libelous, defamatory, obscene, vulgar, indecent,  inflammatory, sexually explicit, pornographic or profane material or any  material that could constitute or encourage conduct that would be  considered a criminal offense, give rise to civil liability, or  otherwise violate any law or for any other purpose that is unlawful or  prohibited by these Terms;                                     
  • Post or transmit any information that constitutes or contains false or misleading indications of origin or statements of fact;                                     
  • Use or access the Site in any  way that, in our sole discretion, adversely affects the performance or  function of the Site or any other computer systems or networks used by  us or the Site, or infringes on our copyright or any copyright of our  Providers;                                     
  • Violate, plagiarize or infringe  the rights of third parties including, without limitation, copyright,  trademark or patent rights, rights of publicity or privacy or any other  proprietary rights;                                     
  • Upload or transmit to the Site  or use in connection with the Site any device, software or routine that  contains viruses, Trojan horses, worms, time bombs, or other computer  programming routines that may damage, interfere or attempt to interfere  with, or in any way disrupt or intercept the normal operation of the  Site, or appropriate the Site or any system, or take any action that  imposes an unreasonable load on our computer equipment, systems or  networks; or                                     
  • Disguise the origin of any  information or inquiry transmitted through the Site. If we believe that  you are engaging in any activity through or in connection with the Site  or the Service that appears to be in violation of the above, or in  violation of any other provision of these Terms or a violation of  applicable law or regulations, we may, without limiting our other rights  and remedies, immediately terminate any further use of the Site or  Service by you without notice.                                     

7. Changes to Site. 

                                   We may change, remove, suspend or  discontinue any aspect of the Site at any time, including the  availability of any Site features, database, or Content, with or without  notice. We may also impose limits on certain features or services or  restrict your access to parts or all of the Site without notice to you  or liability to us.                                                     

8. Data Transmittal. 

                                   Each user acknowledges and agrees  that, regardless of such user's physical location, we may store and  process any data transmitted to the Site from such user at locations  both within and outside of the United States. By using the Site, you  consent to the transfer of your information to the United States and  agree that any transactions you conduct through the Site will be deemed  to have occurred in the United States.                                                     

9. Identity Verification. 

                                   User verification on the Internet is  difficult, and we cannot and do not confirm each user's purported  identity. We encourage you to use appropriate caution with anyone with  whom you may be doing business via the Site or the Internet, generally.  When you give someone your online ID and online password, you are  authorizing that person to access and use your account, and you are  responsible for any and all transactions that person performs while  using your account, even those transactions that are fraudulent or that  you did not intend or want performed. EACH USER ACKNOWLEDGES AND AGREES  THAT: (i) NEITHER Medicare Agent Center Inc. NOR ANY OF ITS  AFFILIATES WILL HAVE ANY LIABILITY TO ANY USER FOR ANY UNAUTHORIZED  TRANSACTION MADE USING ANY USER'S ONLINE ID AND PASSWORD THAT OCCURS  BEFORE SUCH USER HAS NOTIFIED US OF POSSIBLE UNAUTHORIZED USE OF SUCH  ONLINE ID AND PASSWORD AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT  ON THAT NOTICE; AND (ii) THE UNAUTHORIZED USE OF YOUR ONLINE ID AND  PASSWORD COULD CAUSE YOU TO INCUR LIABILITY TO BOTH Medicare Agent Center Inc. AND OTHER USERS. Further, we may suspend or cancel your  account or your access to the Site and/or the Service at any time with  or without notice if we suspect that your account and/or password is  being used in an unauthorized or fraudulent manner.                                                     

10. Limitation of Liability. 

                                   IN NO EVENT WILL Medicare Agent Center Inc., OUR AFFILIATES, OFFICERS, MEMBERS, MANAGERS, DIRECTORS,  AGENTS AND/OR EMPLOYEES (COLLECTIVELY, THE "Medicare Agent Center Inc. GROUP") BE LIABLE FOR ANY LOST PROFITS OR DATA OR ANY INDIRECT,  CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF,  BASED ON, OR RESULTING FROM OUR SITES OR SERVICE, THESE TERMS, YOUR USE  OF THE SITE OR THE SERVICE AND/OR ANY TRANSACTION BETWEEN PROVIDERS AND  PROSPECTS OR BETWEEN SITE USERS, GENERALLY, EVEN IF WE HAVE BEEN ADVISED  OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS  APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (i) BREACH OF  CONTRACT, (ii) BREACH OF WARRANTY, (iii) STRICT LIABILITY, (iv) TORT,  (v) NEGLIGENCE, OR (vi) ANY OTHER CAUSE OF ACTION, TO THE MAXIMUM EXTENT  SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IF  YOU ARE DISSATISFIED WITH THE SITE OR THE SERVICE, IF YOU DO NOT AGREE  WITH ANY PART OF THESE TERMS, OR IF YOU HAVE ANY OTHER DISPUTE OR CLAIM  WITH OR AGAINST THE Medicare Agent Center Inc. GROUP, ANOTHER USER OR  THE SITE WITH RESPECT TO THESE TERMS OR THE SITE ITSELF, THEN YOUR SOLE  AND EXCLUSIVE REMEDY AGAINST US IS TO DISCONTINUE USING THE SITE AND  THE SERVICE. IN ALL EVENTS, OUR LIABILITY, AND THE LIABILITY OF ANY  MEMBER OF Medicare Agent Center Inc., TO YOU OR TO ANY THIRD PARTY IN  ANY CIRCUMSTANCE ARISING OUT OF OR IN CONNECTION WITH THE SITE OR THE  SERVICE, IN THE AGGREGATE FOR ANY AND ALL CLAIMS, IS LIMITED TO $100.00.                                                     

11. Disclaimer of Warranties. 

                                   The Sites and the service, including  all content, software, functions, services, materials and information  made available on or accessed through the Sites or the service, are  provided "as is." We expressly disclaim all express or implied  warranties, including, without limitation, non-infringement,  merchantability, fitness for a particular purpose, completeness and  accuracy. To the fullest extent permissible by law, we make no  representations or warranties of any kind whatsoever for the content on  the Sites or the services, materials, information and functions made  accessible by the software used on or accessed through the Sites or the  service, for any products or services or hypertext links to third  parties, or for any breach of security associated with the transmission  of sensitive information through the Sites or any linked site. We do not  warrant that the functions contained in the Sites or any services,  materials or content contained therein will be uninterrupted or error  free, that defects will be corrected, or that the Sites or the server  that makes it available is free of viruses or other harmful components.  Some jurisdictions do not allow the exclusion of implied warranties, so  the above exclusion may not apply to you.                                                     

12. Release. 

                                   In the event that you have a dispute  with one or more other users of the Site (including, without  limitation, any dispute between any Provider and Prospect regarding any  transaction), you hereby agree to release, remise and forever discharge  the site and each member of the Medicare Agent Center Inc., each of  their respective agents, directors, officers, members, managers,  employees, successors and all other related persons or entities from any  and all manner of rights, claims, complaints, suits, demands, causes of  action, proceedings, liabilities, obligations, legal fees, costs, and  disbursements of any nature whatsoever, whether known or unknown, which  now or hereafter arise from, relate to, or are connected with such  dispute and/or your use of the Sites or the service. If you are a  California resident, you waive California civil code section 1542, which  says: "a general release does not extend to claims which the creditor  does not know or suspect to exist in his or her favor at the time of  executing the release, which, if known by him or her must have  materially affected his or her settlement with the debtor" (or any  equivalent statutory provision with a similar import or intent). If you  are a resident of a state other than California, you explicitly waive  the terms and protections of any statute of your own state that has a  similar import or intent.                                                     

13. Indemnity. 

                                   You hereby agree to indemnify,  defend and hold the Site and each member of Medicare Agent Center Inc. (collectively, the "indemnified parties") harmless from and against  any and all liability and costs (including, without limitation,  attorneys' fees and costs) incurred by the indemnified parties in  connection with any claim arising out of your use of the Sites  (including, without limitation, any dispute between a provider and  prospect regarding any transaction), any act (or failure to act) by you  or other users of your account or any breach by you of these terms or  the representations, warranties and covenants made by you herein. You  shall cooperate as fully as reasonably required in the defense of any  claim. Medicare Agent Center Inc. reserves the right, at our own  expense, to assume the exclusive defense and control of any matter  otherwise subject to indemnification by you and you shall not in any  event settle any matter without our prior written consent.                                                     

14. Dispute Resolution. Arbitration 

                                   SHOULD A DISPUTE ARISE BETWEEN YOU  AND Medicare Agent Center Inc. (OR, WITH RESPECT TO DISPUTES  INVOLVING YOUR DATA SUBMITTED THROUGH ANY SITE OR THE SERVICE, BETWEEN  YOU AND ANY PERSON WHO PURCHASES SUCH DATA) CONCERNING THE TERMS AND  CONDITIONS OF THESE TERMS, THE BREACH OF SAME BY ANY PARTY HERETO, ANY  DATA SUBMITTED BY YOU, THE SITE OR SERVICE OR ANY OTHER PRODUCTS OR  SERVICES PROVIDED BY Medicare Agent Center Inc. YOU AGREE TO SUBMIT  THE DISPUTE FOR RESOLUTION BY ARBITRATION BEFORE THE AMERICAN  ARBITRATION ASSOCIATION IN ACCORDANCE WITH ITS THEN CURRENT COMMERCIAL  ARBITRATION RULES AND THE SUPPLEMENTARY PROCEDURES FOR CONSUMER RELATED  DISPUTES (COLLECTIVELY, "AAA RULES"), AS MODIFIED BY THESE TERMS. SUCH  ARBITRATION SHALL BE ADMINISTERED BY A SINGLE ARBITRATOR. The arbitrator  is bound by these Terms and must issue a written decision sufficient to  explain the essential findings and conclusions on which an award is  based. All issues are for the arbitrator to decide, except that issues  relating to the scope and enforceability of the arbitration provisions  in this Section are for a court to decide. ANY AWARD RENDERED SHALL BE  FINAL AND CONCLUSIVE TO THE PARTIES, AND A JUDGMENT THEREON MAY BE  ENTERED IN ANY COURT OF COMPETENT JURISDICTION. IN THE EVENT THAT ONE OF  THE PARTIES TO THE DISPUTE IS A PERSON WHO PURCHASES YOUR DATA  SUBMITTED THROUGH THE SITE OR THE SERVICE, THEN SUCH ARBITRATION SHALL  BE CONDUCTED IN A LOCATION CONVENIENT TO YOU; OTHERWISE, THE ARBITRATION  SHALL BE CONDUCTED IN PHILADELPHIA, PENNSYLVANIA. YOU MAY OPT OUT OF  THIS ARBITRATION REQUIREMENT BY NOTIFYING Medicare Agent Center Inc.  IN WRITING AT 614 S. 4th STREET, #366, PHILADELPHIA, PA 19147 THIRTY  (30) DAYS AFTER SUBMITTING YOUR DATA THAT IS INVOLVED IN THE DISPUTE.  NOTHING HEREIN SHALL BE CONSTRUED TO PRECLUDE ANY PARTY FROM SEEKING  INJUNCTIVE RELIEF IN ANY COURT OF COMPETENT JURISDICTION IN ORDER TO  PROTECT ITS INTELLECTUAL PROPERTY OR CONFIDENTIAL INFORMATION.                                                     

Class-Action Waiver 

                                   TO THE EXTENT PERMITTED BY LAW, YOU  AGREE THAT YOU WILL NOT BRING, JOIN OR PARTICIPATE IN ANY CLASS ACTION  LAWSUIT, CLASS-WIDE ARBITRATION, CLAIMS BROUGHT IN A REPRESENTATIVE  CAPACITY OR CONSOLIDATED CLAIMS AS TO ANY CLAIM, DISPUTE OR CONTROVERSY  THAT YOU MAY HAVE AGAINST Medicare Agent Center Inc. OR ITS  AFFILIATES (OR, WITH RESPECT TO CAUSES OF ACTION INVOLVING YOUR DATA  SUBMITTED THROUGH THE SITE OR THE SERVICE, AGAINST ANY PERSON WHO  PURCHASES SUCH DATA), AND/OR THEIR RESPECTIVE EMPLOYEES, OFFICERS,  DIRECTORS, MEMBERS, MANAGERS, SHAREHOLDERS, REPRESENTATIVES AND 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 Medicare Agent Center Inc. OR  ANY PERSON PURCHASING YOUR DATA INCURS IN SEEKING SUCH RELIEF. THIS  PROVISION PREVENTING YOU FROM BRINGING, JOINING OR PARTICIPATING IN  CLASS ACTION LAWSUITS AND OTHER CONSOLIDATED CLAIMS IS AN INDEPENDENT  AGREEMENT AND DOES NOT CONSTITUTE A WAIVER OF ANY OF YOUR RIGHTS AND  REMEDIES TO PURSUE A CLAIM INDIVIDUALLY AND NOT AS A CLASS ACTION IN  BINDING ARBITRATION AS PROVIDED ABOVE. ANY PERSON WHO PURCHASES DATA  SUBMITTED BY YOU THROUGH THE SITE OR SERVICE SHALL BE DEEMED A  THIRD-PARTY BENEFICIARY OF THE FOREGOING PROVISIONS IN THIS SECTION AND  SHALL BE ABLE TO ENFORCE SUCH PROVISIONS DIRECTLY AGAINST YOU. Further,  unless both you and Medicare Agent Center Inc. agree otherwise, the  arbitrator may not consolidate more than one person's claims, and may  not otherwise preside over any form of a representative or class  proceeding. If this specific provision is found to be unenforceable,  then the entirety of this arbitration provision shall be null and void                                                     

Forum for Certain Disputes that Are Not Arbitrated 

                                   Should a dispute arise between you  and Medicare Agent Center Inc. and should the arbitration provisions  herein become inapplicable or unenforceable, the parties agree that  jurisdiction over and venue of any suit shall be exclusively in the  state and federal courts sitting in Philadelphia, Pennsylvania, and you  hereby consent to the exercise of jurisdiction and venue by such courts.  If either party employs attorneys to enforce any right in connection  with a dispute or lawsuit, the prevailing party shall be entitled to  recover reasonable attorneys' fees.                                                     

15. No Agency. 

                                   The relationship between Medicare Agent Center Inc. and each user is that of independent contractors,  and no agency, partnership, joint venture, employee-employer or  franchisor-franchisee relations is intended or created by these Terms or  your use of the Site.                                                     

16. Notices. 

                                   Except as explicitly stated  otherwise, written notices, including all legal notices, to us must be  given by certified postal mail, return receipt requested, to:                                                     

                                                        Medicare Agent Center Inc.                                                            
678 Mason Road

                                                          Manalapan, NJ 07736                                                         
                                                    Attn: Legal Dept.                                                     

                                   Medicare Agent Center Inc. may  communicate electronically or by postal mail with you about these Terms  or the Services. We may send you notice at any email address you may  provide to the Site during a registration process or when submitting an  inquiry (as applicable). Notice shall be deemed given upon receipt or 24  hours after email is sent, unless the sending party is notified that  the email address is invalid. Alternatively, we may give you notice by  certified mail, postage prepaid and return receipt requested or by  national courier service, to any address provided to us during a  registration process or when submitting an inquiry (as applicable).                                                     

17. Amendments. 

                                   We reserve the right, in our sole  discretion, to change, modify, add or remove any portion of these Terms,  in whole or in part, at any time. We will post a revised version of  these Terms on the Sites and the revised Terms will be effective  immediately thereafter. Your submission of an inquiry and/or other use  of the Sites following the posting of any such change, modification or  amendment to these Terms will constitute your acceptance of the  amendments. When we post changes to these Terms, we will revise the  "last updated" date at the top of these Terms. You should periodically  review the "last updated" date at the top of these Terms so that you can  familiarize yourself with any changes.                                                     

18. Copyright Infringement. 

                                   As Medicare Agent Center Inc. asks others to respect its intellectual property rights, it respects the  intellectual property rights of others, and requires its users to do  so. If you are a copyright owner or an agent thereof and believe in good  faith that any third-party Content on the Sites infringes upon your  copyrights, you may submit a notification pursuant to the Digital  Millennium Copyright Act ("DMCA") by providing our Copyright Agent with  the following information in writing (see 17 U.S.C.A. 512(c)(3) for  further detail): (i) a physical or electronic signature of a person  authorized to act on behalf of the owner of an exclusive right that is  allegedly infringed; (ii) identification of the copyrighted work claimed  to have been infringed, or, if multiple copyrighted works on or  available through our Sites are covered by a single notification, a  representative list of such works at those locations; (iii)  identification of the material that is claimed to be infringing or to be  the subject of infringing activity and that is to be removed or access  to which is to be disabled and information reasonably sufficient to  permit Medicare Agent Center Inc. to locate the material; (iv)  information reasonably sufficient to permit us to contact you, such as  an address, telephone number, and, if available, an electronic mail  address; (v) a statement that you have a good faith belief that use of  the material in the manner complained of is not authorized by the  copyright owner, its agent, or the law; and (vi) a statement that the  information in the notification is accurate, and under penalty of  perjury, that you are authorized to act on behalf of the owner of an  exclusive right that is allegedly infringed.                                                     

                                   You acknowledge that if you fail to  comply with all of the requirements of this Section, your DMCA notice  may not be valid. In the event that you believe Medicare Agent Center Inc. removed any of your Content in response to a false notice of  copyright infringement, you should notify Medicare Agent Center Inc. promptly in writing pursuant to the DMCA, at the mailing address  provided above. Such notification should include: (i) your physical or  electronic signature; (ii) identification of the Content that has been  removed or to which access has been disabled and the location at which  the Content appeared before it was removed or disabled; (iii) a  statement that you have a good faith belief that the Content was removed  or disabled as a result of mistake or a misidentification of the  Content; and (iv) your name, address, telephone number, and email  address, a statement that you consent to the jurisdiction of the U.S.  District Court for the Eastern District of Pennsylvania, and a statement  that you will accept service of process from the person who provided  notification of the alleged infringement. Furthermore, you should  include a clear statement of your acceptance of process pertaining to  the notifying party or the agent of the party as defined in DMCA §  512(c)(1)(C). If a counter-notice is received by the Copyright Agent,  Medicare Agent Center Inc. may send a copy of the counter-notice to  the original complaining party informing that person that it may replace  the removed Content or cease disabling it in ten (10) business days.  Unless the copyright owner files an action seeking a court order against  the Content provider or user, the removed Content may be replaced, or  access to it restored, in ten (10) to fourteen (14) business days or  more after receipt of the counter-notice, at our sole and absolute  discretion. Medicare Agent Center Inc.has a policy of terminating  the account of, or denying access or use of the Site to, in its sole and  absolute discretion, any user who repeatedly infringes the copyrights  or other intellectual property rights of others.                                                     

               Medicare Agent Center Inc.'s  designated 

                                          Copyright Agent to receive notifications of   claimed  infringement:                                                     

                                                                 Medicare Agent Center Inc.. - Copyright Agent                                                             
     678 Mason Road

Manalapan, NJ 07736

                                                  

                                   For clarity, only DMCA notices  should go to the Copyright Agent; any other feedback, comments, requests  for technical support, and other communications should be directed to  Medicare Agent Center Inc.'s customer service contact@medicareagentcenter.com                                                    

19. Links to Third-Party Sites. 

                                   This Site may contain links and  pointers to other Internet sites that are not owned or controlled by  Medicare Agent Center Inc.. Medicare Agent Center Inc. has no  control over, and assumes no responsibility for the products, services,  content, privacy policies or practices of any third-party website or  application. Links to and from the Site to other sites, maintained by  third parties, do not constitute an endorsement by us of such  third-party sites or the contents, products or services thereof. You  expressly relieve Medicare Agent Center Inc. from any and all  liability arising from your use of any linked third-party website or  application. Accordingly, we encourage you to be aware when you leave  our Site and to read the terms and conditions and Privacy Policy of each website or application that you access or use.                                                     

20. Miscellaneous. Choice of Law 

                                   These Terms shall be treated as  though they were executed and performed in the Commonwealth of  Pennsylvania and shall be governed by and construed in accordance with  the laws of the United States of America and Commonwealth of  Pennsylvania without regard to conflict of law principles.                                                     

Other Terms 

                                   We may immediately and in our sole  discretion terminate any user's access to or use of the Site due to such  user's breach of these Terms or our Privacy Policy,  or other unauthorized use of the Site. Any claim or cause of action you  may have hereunder or with respect to your use of the Sites or the  Service must be commenced within one (1) year after the claim or cause  of action first arises. Our failure to exercise or enforce any right or  provision of these Terms shall not constitute a waiver of any such right  or provision. If for any reason a court of competent jurisdiction or an  arbitrator finds any provision of these Terms, or portion thereof, to  be unenforceable, that provision shall be enforced to the maximum extent  permissible so as to effect the intent of these Terms, and the  remainder of these Terms shall continue in full force and effect. Except  for Sections 12, 13 and 14 above, these Terms do not give rise to any  third-party beneficiary rights. All provisions of these Terms shall  survive any termination hereof, except for those provisions (like  licenses) that are revocable or, by their context, are not intended to  survive termination. You may not assign any of your rights or delegate  any of your obligations under these Terms; Medicare Agent Center Inc. may assign or delegate these Terms in whole or in part.                                                     

Your Record of These Terms 

                                   We do not separately file the Terms  entered into by each user of the Site. Please make a copy of these Terms  for your records by printing and/or saving a downloaded copy of the  Terms on your personal computer.                                                     

21. Feedback and Questions. 

                                   We welcome your comments, feedback,  suggestions, and other communications regarding the Site and the  information and services we make available through the Site  (collectively, "Feedback"). Please contact us with Feedback at contact@medicareagentcenter.com. Please note our separate address for legal correspondence, above.                                                     

                                   If you provide Feedback, you hereby  grant to Medicare Agent Center Inc. a worldwide, non-exclusive,  transferrable, assignable, sub-licensable, perpetual, irrevocable,  royalty-free license to copy, distribute, create derivative works of,  publicly display and perform and otherwise exploit such Feedback and to  use, make, have made, sell, offer for sale, import and export products  and services based on such Feedback. For this reason, we ask that you  not send Medicare Agent Center Inc.any Feedback that you do not wish  to license to us as set forth above.                                                     


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