Terms of Service

Last updated: July 3, 2025

Agreement to Terms

These Terms of Service ("Terms") govern your use of the Seniors-First.org website and services. By accessing or using our website, you agree to be bound by these Terms and all applicable laws and regulations.

If you do not agree with any of these terms, you are prohibited from using or accessing this website. The materials contained in this website are protected by applicable copyright and trademark law.

Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Seniors-First.org's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display (commercial or non-commercial)
• Attempt to decompile or reverse engineer any software contained on Seniors-First.org's website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Seniors-First.org at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Disclaimer

The materials on Seniors-First.org's website are provided on an 'as is' basis. Seniors-First.org makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Seniors-First.org does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

Insurance Disclaimer

Important: Seniors-First.org provides general information about insurance products and services. This information is for educational purposes only and should not be considered as professional advice.

• We are not an insurance company and do not underwrite insurance policies
• Coverage and benefits may vary by state and individual circumstances
• Contact a licensed insurance agent for specific advice about your situation
• All insurance products are subject to the terms and conditions of the actual policy
• Rates and availability may vary based on location, age, health, and other factors

Medicare Disclaimer

Medicare Information: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

• We are not affiliated with or endorsed by the U.S. government or Medicare
• Medicare plans are offered by private insurance companies
• Plan availability and benefits may vary by location
• Annual enrollment periods apply to most Medicare plan changes
• Contact us for current plan information and availability

Limitations

In no event shall Seniors-First.org or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Seniors-First.org's website, even if Seniors-First.org or a Seniors-First.org authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Accuracy of Materials

The materials appearing on Seniors-First.org's website could include technical, typographical, or photographic errors. Seniors-First.org does not warrant that any of the materials on its website are accurate, complete or current. Seniors-First.org may make changes to the materials contained on its website at any time without notice. However, Seniors-First.org does not make any commitment to update the materials.

Links

Seniors-First.org has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Seniors-First.org of the site. Use of any such linked website is at the user's own risk.

Modifications

Seniors-First.org may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms of Service.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the United States and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

User Conduct

When using our website and services, you agree not to:

• Use the website for any unlawful purpose or to solicit others to perform unlawful acts
• Violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• Infringe upon or violate our intellectual property rights or the intellectual property rights of others
• Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability
• Submit false or misleading information
• Upload or transmit viruses or any other type of malicious code
• Collect or track the personal information of others
• Spam, phish, pharm, pretext, spider, crawl, or scrape
• Interfere with or circumvent the security features of the website

Intellectual Property

The website and its original content, features, and functionality are and will remain the exclusive property of Seniors-First.org and its licensors. The website is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the website, to understand our practices regarding the collection and use of your personal information.

Contact Information

If you have any questions about these Terms of Service, please contact us:

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms constitute the entire agreement between you and Seniors-First.org regarding the use of the website and services, superseding any prior agreements between you and Seniors-First.org relating to your use of the website or services.