These Terms of Service ("Terms") govern your access to and use of the website located at www.vchealthgroup.com (the "Site") and the services offered by VC Health Group, LLC ("VC Health," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.
1. Acceptance of Terms
By using the Site, you represent that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and agree to comply with these Terms. We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of such changes.
2. Description of Services
VC Health is a licensed Medicare insurance agency that provides information, plan comparison tools, and enrollment assistance for Medicare Advantage (Part C), Medicare Supplement (Medigap), and Medicare Part D Prescription Drug Plans. Our services are provided at no cost to you. We are compensated by insurance carriers when you enroll in a plan through our agency.
VC Health is not affiliated with or endorsed by the U.S. government, the Social Security Administration, or the Centers for Medicare & Medicaid Services (CMS). For official Medicare information, visit www.medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
3. No Medical or Legal Advice
The content on this Site is provided for general informational purposes only and does not constitute medical, legal, financial, or professional advice. Nothing on this Site should be construed as a recommendation to enroll in any specific Medicare plan. Plan benefits, premiums, deductibles, and networks change annually. Always review the plan's Evidence of Coverage (EOC) before enrolling. Consult a licensed healthcare provider for medical decisions.
4. Consent to Contact
By submitting your information through any form on this Site, you expressly consent to be contacted by VC Health and its licensed agents by telephone (including via automated dialing systems and pre-recorded messages), email, and text message (SMS/MMS) at the phone number and email address you provide, for the purpose of discussing Medicare insurance options. Standard message and data rates may apply. You may opt out of SMS communications at any time by replying STOP. You may opt out of email communications by following the unsubscribe link in any email.
This consent is not a condition of purchasing any insurance product. You may also contact us directly at 1 (888) 592-2613.
5. Intellectual Property
The Site and its original content, features, and functionality are owned by VC Health Group, LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent.
6. User Conduct
You agree not to use the Site to:
- Violate any applicable federal, state, or local law or regulation.
- Transmit any unsolicited or unauthorized advertising or promotional material.
- Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
- Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site.
- Attempt to gain unauthorized access to any portion of the Site or any other systems or networks connected to the Site.
- Use any robot, spider, or other automatic device to access the Site for any purpose without our express written permission.
7. Third-Party Links
The Site may contain links to third-party websites or services that are not owned or controlled by VC Health. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We strongly advise you to read the terms and conditions and privacy policy of any third-party website you visit.
8. Disclaimer of Warranties
THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VC HEALTH GROUP, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE OR SERVICES.
10. Indemnification
You agree to defend, indemnify, and hold harmless VC Health Group, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Florida, and you hereby consent to personal jurisdiction and venue in such courts.
12. Termination
We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Site will immediately cease.
13. Contact Us
If you have questions about these Terms, please contact us at: