Terms of use

Effective Date: February 1, 2025

1. Acceptance of Terms

Welcome to www.plannerschoice.com ("Website"). By accessing or using this Website, you agree to comply with and be bound by these Terms of Use. If you do not agree, please do not use the Website.

2. Website Purpose

This Website provides information about Medicare insurance options and other insurance services. The content is for informational purposes only and does not constitute financial, medical, or legal advice. You should consult a licensed insurance professional before making any decisions.

3. Eligibility

You must be at least 18 years old to use this Website. By using the Website, you represent that you meet this age requirement.

4. No Affiliation with Government Entities

This Website is not affiliated with, endorsed by, or connected to Medicare, the Centers for Medicare & Medicaid Services (CMS), or any government agency. We are an independent Medicare insurance provider.

5. Privacy Policy

Your use of the Website is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your data.

6. Accessing the Website and Account Security

  • Website Availability: We do not guarantee that our Website or any content will always be available or uninterrupted. We may suspend, withdraw, or restrict access at any time.

  • User Responsibilities: You are responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.

7. Intellectual Property

The content available on this Website, including text, images, graphics, and logos, is either owned by Planners Choice LLC or used with permission from third parties. If you believe any content on this Website infringes upon your intellectual property rights, please contact us to request its removal. Unauthorized use of any content is prohibited.

8. Prohibited Conduct

You agree not to:

  • Use the Website for fraudulent or unlawful purposes.

  • Interfere with the Website’s operation or security.

  • Attempt to gain unauthorized access to any part of the Website.

  • Use automated systems (e.g., bots, scrapers) to access or interact with the Website.

9. Third-Party Links and Services

This Website may contain links to third-party websites, such as insurance carriers or partners. We do not control or endorse third-party websites and are not responsible for their content, policies, or practices.

10. Disclaimer of Warranties

This Website is provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or reliability of the information provided.

11. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website.

12. Monitoring and Enforcement; Termination

We reserve the right to:

  • Take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Website.

  • Terminate or suspend access to the Website for violations of these Terms of Use.

13. Limitation on Time to File Claims

Any cause of action or claim arising out of these Terms of Use or the Website must be initiated within one (1) year after the claim accrues, or it is permanently barred, except where prohibited by California law, which may provide additional rights or limitations.

14. Waiver and Severability

  • No Waiver: Our failure to enforce any term does not constitute a waiver of that term.

  • Severability: If any provision is deemed invalid, the remaining provisions will continue in effect.

15. Entire Agreement

These Terms of Use and our Privacy Policy constitute the entire agreement between you and Planners Choice LLC regarding the Website, superseding all prior agreements.

16. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict of law principles. Any disputes arising under these Terms will be subject to the exclusive jurisdiction of the courts located in California.

17. Contact Us

If you have any questions about these Terms, please contact us at: matt@plannerschoice.com or (732) 778-0292.