TERMS OF SERVICE

IMPORTANT NOTICE REGARDING DISPUTE RESOLUTION

THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION. EXCEPT FOR CLAIMS EXPRESSLY EXCLUDED BELOW OR CLAIMS THAT APPLICABLE LAW DOES NOT PERMIT TO BE ARBITRATED, YOU AND UNCLE SAM'S HEALTHCARE LLC AGREE TO RESOLVE COVERED DISPUTES THROUGH INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT. THIS AGREEMENT ALSO CONTAINS A WAIVER OF JURY TRIALS AND CLASS, COLLECTIVE, CONSOLIDATED, AND REPRESENTATIVE PROCEEDINGS TO THE FULLEST EXTENT PERMITTED BY LAW. PLEASE READ SECTION 36 CAREFULLY.

1. INTRODUCTION AND ACCEPTANCE OF TERMS

MedicareAndTFL.com ("MedicareAndTFL" or the "Website") is a website and service operated by Uncle Sam's Healthcare LLC, a South Carolina limited liability company and independent insurance agency ("USH," "Company," "we," "us," or "our").

MedicareAndTFL is not a separate legal entity. Any agreement entered into through or relating to MedicareAndTFL is, to the extent applicable, an agreement with Uncle Sam's Healthcare LLC only.

These Terms of Service ("Terms") govern your access to and use of MedicareAndTFL.com and the educational materials, interactive features, appointment scheduling, communications, artificial-intelligence-assisted features, insurance-related services, and other services made available through or in connection with the Website (collectively, the "Services").

Please read these Terms carefully.

BY ACCESSING OR USING THE WEBSITE OR SERVICES, SUBMITTING A FORM, SCHEDULING AN APPOINTMENT, INITIATING AN INTERACTION, OR CLICKING OR CHECKING A BOX INDICATING ACCEPTANCE WHERE PRESENTED, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THESE TERMS TO THE EXTENT PERMITTED BY APPLICABLE LAW.

If you do not agree to these Terms, do not use the Website or Services.

Your use of the Website is also subject to our Privacy Policy and any additional terms, disclosures, consents, carrier documents, insurance applications, privacy notices, or agreements applicable to a particular service or transaction.

2. ABOUT MEDICAREANDTFL AND UNCLE SAM'S HEALTHCARE

MedicareAndTFL provides educational information and access to insurance-related services concerning topics that may include:

• Medicare;
• Medicare Advantage;
• Medicare Supplement insurance;
• Medicare prescription drug coverage;
• TRICARE For Life;
• coordination of Medicare and TRICARE For Life;
• retirement healthcare coverage; and
• related insurance and healthcare topics.

Uncle Sam's Healthcare LLC is an independent insurance agency.

MedicareAndTFL and Uncle Sam's Healthcare LLC are not affiliated with, endorsed by, operated by, or sponsored by Medicare, the Centers for Medicare & Medicaid Services ("CMS"), the U.S. Department of Defense ("DoD"), TRICARE, the Department of Veterans Affairs ("VA"), or any other federal or state governmental agency.

References to government agencies, military branches, government programs, insurance carriers, healthcare organizations, trademarks, or other third parties are informational and do not imply affiliation, sponsorship, approval, or endorsement unless expressly stated.

3. EDUCATIONAL AND INFORMATIONAL PURPOSE

The Website contains information intended for general educational and informational purposes.

Information provided through MedicareAndTFL does not constitute medical, legal, tax, accounting, investment, or financial advice.

Educational information also does not, by itself, constitute an individualized insurance recommendation, insurance contract, guarantee of coverage, or official determination by Medicare, TRICARE, an insurance carrier, or any government agency.

Medicare rules, insurance products, premiums, benefits, cost sharing, provider networks, formularies, service areas, eligibility requirements, carrier contracts, government programs, and other information may change.

Although we seek to provide useful and reasonably accurate information, we do not warrant that all information available through the Website will at all times be complete, current, accurate, or applicable to your individual circumstances.

4. NO FIDUCIARY OR SPECIAL RELATIONSHIP

Your use of the Website, receipt of educational information, or communication with USH does not, by itself, create a fiduciary, attorney-client, physician-patient, accountant-client, investment-advisory, financial-advisory, or other special relationship.

A licensed insurance producer's duties concerning an insurance transaction are limited to those imposed by applicable law and any applicable written insurance agreement or other legally binding obligation.

Nothing contained on the Website creates duties beyond those imposed by applicable law or an enforceable agreement.

5. INDEPENDENT VERIFICATION AND USER RELIANCE

You are responsible for independently verifying information material to an insurance, healthcare, financial, or coverage decision before relying upon it.

Information concerning matters such as premiums, deductibles, copayments, coinsurance, benefits, provider participation, provider networks, formularies, prescription-drug coverage, prescription pricing, pharmacies, service areas, eligibility, enrollment periods, Medicare requirements, TRICARE For Life coordination, government benefits, carrier requirements, and plan availability may change and may originate from third-party sources outside our control.

Official government publications and applicable insurance-carrier contracts, Evidence of Coverage documents, policies, certificates, formularies, provider directories, enrollment records, Summary of Benefits documents, and other governing documents control over conflicting information appearing through the Services.

You should verify information that is important to your decision with the applicable carrier, provider, pharmacy, government agency, official document, or appropriately qualified professional.

6. INSURANCE SERVICES

Certain Services may permit you to communicate with, request assistance from, or schedule an appointment with a licensed insurance professional.

Insurance discussions, recommendations, applications, and enrollments are subject to applicable federal and state law, licensing requirements, carrier appointments and certifications, CMS requirements, product availability, and other regulatory requirements.

An insurance producer may only offer or discuss products to the extent authorized by applicable law and relevant carrier requirements.

Insurance product availability varies based on state, county, service area, eligibility, carrier, product, enrollment period, carrier contracting, and other applicable requirements.

7. NO GUARANTEE OF PLAN AVAILABILITY, ELIGIBILITY, OR ENROLLMENT

Nothing on the Website constitutes a guarantee or promise that:

• you are eligible for a particular insurance product;
• a particular plan is available in your area;
• an insurance carrier will accept an application;
• an enrollment will be approved;
• coverage will become effective on a particular date;
• a particular healthcare provider participates in a plan;
• a particular pharmacy participates in a plan;
• a medication is covered;
• a medication will remain on a formulary;
• a particular benefit will be available;
• a premium or cost-sharing amount will remain unchanged; or
• a particular healthcare service will be covered.

Submission of an application, electronic signature, Scope of Appointment, plan selection, or other information does not guarantee enrollment, coverage, eligibility, an effective date, carrier acceptance, provider participation, prescription coverage, or any particular benefit.

Insurance coverage exists only when established in accordance with applicable carrier requirements and governing plan documents.

8. MEDICARE PLAN OPTIONS AND CARRIER RELATIONSHIPS

Uncle Sam's Healthcare does not necessarily represent every insurance company or Medicare plan available in your area.

The insurance products our agents may discuss depend upon factors including carrier contracts, appointments, certifications, licensing, geographic availability, and product availability.

You may independently obtain information about Medicare options from Medicare or other sources.

Nothing on MedicareAndTFL should be interpreted as representing that USH offers, represents, or compares every available insurance product.

9. TRICARE FOR LIFE AND MILITARY-RELATED INFORMATION

MedicareAndTFL contains educational information intended to help eligible individuals understand Medicare, TRICARE For Life, and their potential interaction.

Uncle Sam's Healthcare LLC does not administer TRICARE.

We do not determine or guarantee TRICARE eligibility, TRICARE For Life eligibility, TRICARE coverage, claims determinations, military benefits, VA benefits, or other government benefits.

Official government program rules and determinations control.

References to the U.S. military, military branches, TRICARE, Medicare, the VA, or other government programs do not imply government affiliation, sponsorship, endorsement, or approval.

10. SCOPE OF APPOINTMENT

Certain Medicare-related appointments or activities may require completion of a Scope of Appointment ("SOA") or other documentation under applicable requirements.

Submitting or completing an SOA does not enroll you in an insurance plan, obligate you to purchase insurance, guarantee eligibility or enrollment, authorize enrollment without any additional consent required by law, or guarantee that a particular product can be offered.

An SOA generally identifies the product categories authorized for discussion.

Medicare-related activities are subject to applicable CMS requirements, carrier requirements, and other laws and regulations in effect at the relevant time.

11. APPOINTMENT SCHEDULING

The Website may allow you to schedule telephone, video, or other appointments with insurance professionals.

Submitting an appointment request or booking an appointment does not create an insurance contract, bind insurance coverage, guarantee agent availability, guarantee eligibility or product availability, or obligate you to enroll.

You agree to provide reasonably accurate contact and scheduling information.

Appointments may need to be changed, cancelled, reassigned, or rescheduled because of agent availability, licensing restrictions, technical problems, emergencies, compliance requirements, or other circumstances.

12. INFORMATION YOU PROVIDE

You agree that information you knowingly provide in connection with the Services will not be materially false, fraudulent, misleading, or unlawfully submitted.

USH is not responsible for consequences resulting from materially inaccurate, incomplete, outdated, or misleading information supplied by a user, including incorrect contact, provider, prescription, eligibility, insurance, appointment, or other material information, except to the extent responsibility cannot lawfully be disclaimed.

You are responsible for reviewing information submitted on your behalf where you are given a reasonable opportunity to do so.

13. TEXT MESSAGES AND SMS

Where offered, you may voluntarily consent to receive text messages from Uncle Sam's Healthcare LLC.

Non-marketing text messages may concern inquiries you initiated, appointment confirmations and reminders, scheduling, rescheduling, cancellations, requested service communications, and requested follow-up.

Message frequency varies. Message and data rates may apply.

You may reply HELP for assistance or STOP to opt out.

Consent to receive marketing text messages, where applicable, is not a condition of purchasing insurance, goods, or services.

Providing a telephone number for purposes such as conducting a requested telephone appointment does not, by itself, constitute consent to receive marketing or promotional text messages where separate consent is legally required.

Your wireless carrier is not responsible for delayed or undelivered messages.

14. TELEPHONE COMMUNICATIONS

If you provide a telephone number and request that we contact you, we may use that number to respond to your inquiry, conduct a requested appointment, provide requested customer service, or otherwise communicate with you as permitted by law.

Separate consent may be requested where applicable law requires additional consent for particular automated, prerecorded, artificial-voice, marketing, or promotional communications.

15. EMAIL COMMUNICATIONS

If you provide an email address, we may use it to communicate concerning requested information, appointments, insurance services, customer service, existing customer relationships, administrative matters, regulatory matters, and other communications permitted by law.

Where legally required, marketing emails will provide an appropriate unsubscribe mechanism.

Unsubscribing from marketing communications does not necessarily prevent transactional, administrative, security, servicing, regulatory, or other communications permitted by law.

16. ELECTRONIC COMMUNICATIONS AND RECORDS

By choosing to interact with us electronically, you consent to receiving communications and records electronically where permitted by applicable law.

Electronic communications may include communications delivered through the Website, email, SMS, electronic forms, electronic signatures, online scheduling systems, or other electronic methods.

You are responsible for maintaining access to the technology necessary to receive communications you request electronically.

Nothing in this section eliminates a right to paper records or separate consent where applicable law requires otherwise.

17. ARTIFICIAL INTELLIGENCE AND AUTOMATED SYSTEMS

MedicareAndTFL may use artificial intelligence ("AI"), machine learning, automated voice systems, conversational assistants, transcription technologies, summarization technologies, routing systems, or other automated technologies.

These systems may be used for purposes including general education, answering general questions, Website navigation, identifying the general reason for an inquiry, routing communications, connecting users with licensed insurance professionals, facilitating scheduling, transcription, summarization, customer service, quality assurance, and supporting our personnel.

AI-generated or automated output may be incomplete, inaccurate, outdated, misunderstood, or otherwise erroneous.

Automated output is provided for informational, navigational, administrative, or routing purposes and should not be treated as an official Medicare or TRICARE determination, insurance contract, carrier coverage determination, medical advice, legal advice, tax advice, financial advice, or substitute for applicable plan documents or appropriately qualified professional advice.

You agree not to rely exclusively upon AI-generated output when making a material insurance, healthcare, legal, financial, or coverage decision.

An automated system does not become a licensed insurance producer merely because it provides educational information or facilitates communication with a licensed producer.

18. SENSITIVE INFORMATION AND AUTOMATED SYSTEMS

Unless specifically requested through an appropriate process, you should not provide unnecessary sensitive information to a general AI assistant, general Website chat, ordinary email, or similar general-purpose communication channel.

This includes Social Security numbers, Medicare Beneficiary Identifiers, payment-card information, passwords, detailed medical records, or other unnecessary sensitive information.

If information is required for an insurance transaction, you may be directed to an appropriate process, carrier, enrollment platform, or licensed representative.

19. CALL RECORDING, TRANSCRIPTION, AND MONITORING

Where permitted or required by applicable law, telephone, voice, or other communications may be recorded, monitored, transcribed, summarized, analyzed, or reviewed.

Such records may be used for regulatory compliance, CMS or carrier requirements, customer service, documentation, quality assurance, training, supervision, complaint investigation, fraud prevention, security, and dispute resolution.

Where applicable law requires notice or consent before recording or similar processing, we seek to provide such notice or obtain such consent as required.

20. THIRD-PARTY INFORMATION

Information made available through the Services may originate from insurance carriers, healthcare providers, pharmacies, government agencies, enrollment platforms, quoting platforms, provider directories, formulary databases, technology vendors, data providers, and other sources.

USH does not warrant the accuracy, completeness, timeliness, or continued availability of information supplied by independent third parties.

To the fullest extent permitted by law, USH is not responsible for errors, omissions, delays, interruptions, inaccuracies, changes, or failures originating from third-party information or systems outside USH's reasonable control.

21. THIRD-PARTY SERVICES AND TECHNOLOGY

The Services may depend upon third-party systems and providers, including telecommunications networks, CRM systems, Website hosting providers, artificial-intelligence providers, scheduling platforms, insurance carriers, enrollment platforms, quoting systems, electronic-signature services, analytics providers, email and SMS providers, cloud infrastructure, government systems, and other technology vendors.

To the fullest extent permitted by law, USH is not responsible for the independent acts, omissions, outages, errors, delays, service interruptions, security incidents, information practices, or other conduct of unaffiliated third parties except to the extent responsibility cannot lawfully be disclaimed.

22. THIRD-PARTY LINKS

The Website may contain links to government websites, insurance carriers, healthcare providers, pharmacies, enrollment platforms, educational resources, and other third-party websites or services.

Links are provided for convenience or informational purposes and do not necessarily constitute endorsement, sponsorship, affiliation, or approval.

We do not control independent third-party websites and are not responsible for their availability, accuracy, content, security, privacy practices, terms, products, or services.

23. OFFICIAL DOCUMENTS CONTROL

If information appearing on MedicareAndTFL conflicts with an applicable Evidence of Coverage, Summary of Benefits, insurance policy or contract, certificate, formulary, provider directory, carrier document, enrollment record, government publication, or other legally controlling document, the applicable official or legally controlling document controls.

Benefits, costs, networks, formularies, premiums, and other plan characteristics may change.

You should confirm material information before enrolling in coverage or obtaining services.

24. NO MEDICAL ADVICE

Nothing available through MedicareAndTFL constitutes medical advice, diagnosis, treatment, or a recommendation concerning medical care.

Questions concerning your health, treatment, medications, providers, diagnoses, or clinical decisions should be directed to an appropriately qualified healthcare professional.

In an emergency, contact appropriate emergency services.

25. NO LEGAL, TAX, ACCOUNTING, INVESTMENT, OR FINANCIAL ADVICE

Nothing available through MedicareAndTFL constitutes legal, tax, accounting, investment, or individualized financial advice.

You should consult an appropriately qualified professional concerning such matters.

26. PRIVACY

Your use of the Website is subject to the MedicareAndTFL Privacy Policy.

The Privacy Policy describes how Uncle Sam's Healthcare LLC may collect, use, disclose, retain, and protect personal information.

Additional insurance privacy notices may apply to particular customer relationships, insurance transactions, carriers, or information.

27. USER RESPONSIBILITIES AND PROHIBITED CONDUCT

You agree not to use the Website or Services to violate applicable law; commit or facilitate fraud; impersonate another person; knowingly provide materially false or fraudulent information; obtain unauthorized access to systems or information; interfere with Website security or operation; introduce malware; probe system vulnerabilities without authorization; scrape or systematically extract content except as permitted by law; misuse appointment or communication systems; harass personnel or users; infringe intellectual-property, privacy, publicity, or other rights; circumvent technological restrictions; or use Website content for unlawful, deceptive, or fraudulent purposes.

We may restrict, suspend, or terminate access where reasonably necessary to protect users, personnel, systems, our business, legal rights, or compliance obligations.

28. INTELLECTUAL PROPERTY

Unless otherwise indicated, the Website and its original content and materials—including text, graphics, design, software, databases, educational materials, logos, branding, videos, audio, interfaces, compilations, and other original materials—are owned by or licensed to Uncle Sam's Healthcare LLC and may be protected by intellectual-property laws.

Subject to these Terms, you are granted a limited, revocable, nonexclusive, nontransferable, nonsublicensable right to access and use the Website for lawful personal purposes.

Except as permitted by law or authorized in writing, you may not reproduce, republish, distribute, sell, license, commercially exploit, modify, create derivative works from, systematically extract, or publicly display protected Website content.

Third-party intellectual property remains the property of its respective owners.

29. FEEDBACK

If you voluntarily provide suggestions, ideas, comments, or other feedback concerning the Website or Services, you grant USH a nonexclusive, worldwide, perpetual, irrevocable, royalty-free right to use, reproduce, modify, and incorporate that feedback for lawful business purposes without compensation or attribution, provided this does not transfer ownership of your personal information or override our Privacy Policy.

30. WEBSITE AVAILABILITY AND MODIFICATIONS

We may modify, update, suspend, restrict, replace, or discontinue all or part of the Website or Services at any time, subject to applicable law and binding contractual obligations.

We do not guarantee uninterrupted availability, correction of every error, compatibility with every device, or indefinite availability of any particular feature or content.

31. DISCLAIMER OF WARRANTIES

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE, SERVICES, CONTENT, SOFTWARE, AUTOMATED SYSTEMS, AND INFORMATION MADE AVAILABLE THROUGH THEM ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

TO THE FULLEST EXTENT PERMITTED BY LAW, USH DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AVAILABILITY, RELIABILITY, SECURITY, AND ERROR-FREE OPERATION.

Nothing in these Terms excludes a warranty, duty, or right that applicable law prohibits from being excluded.

32. LIMITATION OF LIABILITY

For purposes of these Terms, "Protected Parties" means Uncle Sam's Healthcare LLC and, to the extent applicable, its members, owners, managers, officers, directors, employees, licensed producers, agents, contractors, affiliates, licensors, successors, assigns, and service providers.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE PROTECTED PARTIES SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, LOSS OF BUSINESS OPPORTUNITY, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE WEBSITE OR SERVICES, REGARDLESS OF THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF THE PROTECTED PARTIES FOR CLAIMS ARISING OUT OF OR RELATING TO THE WEBSITE OR SERVICES SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID DIRECTLY TO USH FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY; OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Nothing in these Terms excludes or limits liability that applicable law prohibits from being excluded or limited.

33. INDEMNIFICATION

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Protected Parties from and against third-party claims, demands, actions, proceedings, liabilities, damages, judgments, settlements, penalties, losses, costs, and reasonable attorneys' fees arising out of or relating to:

• your unlawful or unauthorized use of the Website or Services;
• information or content you knowingly submit in violation of law or another person's rights;
• your material violation of these Terms;
• your infringement or misappropriation of another person's intellectual-property, privacy, publicity, or other rights; or
• fraud, intentional misconduct, or unlawful conduct attributable to you.

This provision does not require you to indemnify a Protected Party for that party's own conduct to the extent such indemnification is prohibited by applicable law.

34. FORCE MAJEURE

To the fullest extent permitted by law, USH will not be liable for delay, interruption, degradation, or failure of the Website or Services resulting from circumstances beyond its reasonable control, including natural disasters, severe weather, fire, flood, war, civil unrest, governmental action, telecommunications or Internet failures, utility outages, cyberattacks, carrier or government-system outages, vendor failures, or similar events.

35. GOVERNING LAW

Except where federal law applies or applicable law requires otherwise, these Terms and disputes arising out of or relating to them are governed by the laws of the State of South Carolina, without regard to conflict-of-law principles.

The Federal Arbitration Act ("FAA"), to the extent applicable, governs the interpretation and enforcement of the arbitration agreement in Section 36.

Nothing in these Terms eliminates mandatory consumer protections or other rights that cannot lawfully be waived.

36. DISPUTE RESOLUTION; BINDING INDIVIDUAL ARBITRATION

A. Informal Resolution First

Before initiating arbitration or litigation concerning a Covered Dispute, the complaining party must first provide the other party with written notice reasonably describing the dispute, relevant facts, and requested relief.

The parties shall then make a reasonable, good-faith effort for at least thirty (30) days after receipt of sufficient notice to resolve the dispute informally.

This requirement does not prevent either party from seeking emergency or temporary injunctive relief where necessary, filing an eligible small-claims action, or taking action necessary to prevent expiration of an applicable limitations period.

B. Agreement to Binding Individual Arbitration

EXCEPT FOR THE EXCLUSIONS EXPRESSLY PROVIDED BELOW AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND USH AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS, THE WEBSITE, THE SERVICES, OR YOUR INTERACTIONS WITH USH THAT CANNOT BE RESOLVED INFORMALLY ("COVERED DISPUTE") SHALL BE RESOLVED BY FINAL AND BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT.

This agreement applies regardless of whether a Covered Dispute is asserted under contract, tort, statute, regulation, common law, equity, or another legal theory, to the extent arbitration of that dispute is legally permitted.

The arbitrator shall have authority to award any individual remedy or relief that would otherwise be available in a court of competent jurisdiction, subject to applicable law and these Terms.

C. Arbitration Administrator and Rules

Unless the parties mutually agree otherwise, arbitration shall be administered by the American Arbitration Association ("AAA") under the applicable AAA Consumer Arbitration Rules in effect when the arbitration is initiated, as modified by these Terms.

If AAA is unavailable or unwilling to administer the arbitration, the parties shall attempt in good faith to select another nationally recognized arbitration provider. If they cannot agree, a court of competent jurisdiction may appoint an arbitration provider or arbitrator as permitted by applicable law.

D. Location and Method

Where permitted by the applicable arbitration rules and law, arbitration may occur by telephone, video conference, document submission, or in person.

A consumer shall not be required to travel to South Carolina for an in-person arbitration if applicable law or the administrator's consumer rules provide the consumer a right to arbitrate in another appropriate location.

E. Arbitration Fees

USH will pay arbitration fees to the extent required by applicable law or the applicable consumer arbitration rules.

Nothing in these Terms requires a consumer to pay arbitration costs that would make enforcement of this arbitration agreement unlawful or unconscionable.

Each party shall ordinarily bear its own attorneys' fees and costs unless applicable law, an applicable agreement, or the arbitrator authorizes an award of fees or costs.

F. Small Claims Exception

Either party may bring an individual action in an appropriate small-claims court if the claim qualifies for that court and remains on an individual basis.

If a claim is transferred, removed, or appealed from small-claims court to another court, either party may elect arbitration to the extent permitted by applicable law.

G. Emergency and Injunctive Relief

Either party may seek temporary, preliminary, or emergency injunctive relief from a court of competent jurisdiction when reasonably necessary to preserve the status quo, prevent immediate or irreparable harm, protect intellectual property or confidential information, or preserve the effectiveness of arbitration.

Seeking such relief does not waive the right to arbitrate other portions of a Covered Dispute.

H. Claims That Cannot Lawfully Be Arbitrated

THIS ARBITRATION AGREEMENT DOES NOT APPLY TO A CLAIM TO THE EXTENT APPLICABLE LAW PROHIBITS THAT CLAIM FROM BEING SUBJECT TO PRE-DISPUTE ARBITRATION.

Without limiting that principle, nothing in these Terms is intended to require arbitration of an insurance-policy, insured, beneficiary, personal-injury, statutory, regulatory, or other claim where applicable federal or state law makes a pre-dispute arbitration agreement unenforceable or inapplicable to that claim.

Nothing in these Terms restricts a person's right to communicate with, file a complaint with, or provide information to CMS, a state department of insurance, an attorney general, law-enforcement agency, or other governmental or regulatory authority.

Nothing in these Terms requires a governmental or regulatory agency to arbitrate or restricts an agency's authority.

I. Individual Proceedings Only; Class-Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND USH AGREE THAT COVERED DISPUTES SHALL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS.

NEITHER PARTY MAY BRING OR PARTICIPATE IN A COVERED DISPUTE AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN A CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, MASS, OR REPRESENTATIVE ARBITRATION OR ACTION, EXCEPT TO THE EXTENT APPLICABLE LAW PROVIDES A NON-WAIVABLE RIGHT TO DO SO.

The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that party's individual claim, except where applicable law requires otherwise.

J. Jury-Trial Waiver

FOR ANY COVERED DISPUTE REQUIRED TO BE ARBITRATED, YOU AND USH UNDERSTAND AND AGREE THAT ARBITRATION REPLACES THE RIGHT TO HAVE THE DISPUTE DECIDED BY A JUDGE OR JURY IN COURT.

TO THE FULLEST EXTENT PERMITTED BY LAW, FOR ANY DISPUTE THAT IS NOT SUBJECT TO ARBITRATION BUT FOR WHICH A JURY-TRIAL WAIVER IS LAWFULLY ENFORCEABLE, YOU AND USH KNOWINGLY AND VOLUNTARILY WAIVE TRIAL BY JURY.

K. Authority to Determine Arbitrability

Questions concerning the formation, existence, validity, enforceability, scope, or applicability of this arbitration agreement shall be determined in accordance with applicable law.

A court of competent jurisdiction shall determine any issue that applicable law requires a court, rather than an arbitrator, to decide.

L. Severability of Arbitration Terms

If any portion of this Section 36 is determined to be invalid or unenforceable, that portion shall be severed or limited to the minimum extent necessary and the remainder shall continue in effect to the fullest extent permitted by law.

However, if the prohibition on class or representative arbitration is determined to be unenforceable with respect to a particular claim and applicable law requires that claim to proceed on a class or representative basis, that claim shall proceed in a court of competent jurisdiction rather than in class or representative arbitration, unless applicable law requires otherwise.

M. Survival

This arbitration agreement survives termination of these Terms, cessation of Website use, completion or termination of an insurance-related relationship, and discontinuation of the Services, to the extent permitted by law.

37. JURISDICTION AND VENUE FOR NON-ARBITRABLE DISPUTES

For disputes not subject to arbitration, and subject to applicable federal law and any law requiring otherwise, the parties consent to jurisdiction and venue in the state or federal courts having jurisdiction over Berkeley County, South Carolina.

Nothing in this provision eliminates a non-waivable right to bring a claim elsewhere.

38. STATE-SPECIFIC AND NON-WAIVABLE RIGHTS

Certain federal or state laws may provide rights or protections that cannot be waived, limited, or subjected to pre-dispute arbitration.

Nothing in these Terms is intended to eliminate, waive, disclaim, restrict, or arbitrate a right or remedy where applicable law prohibits doing so.

If a provision conflicts with mandatory applicable law, that law controls to the extent of the conflict.

39. ACCESSIBILITY

We seek to make the Website reasonably accessible.

If you experience difficulty accessing Website content or using a feature, contact us using the information below so we can attempt to provide reasonable assistance.

40. CHILDREN

The Website is intended primarily for adults seeking Medicare, TRICARE For Life, retirement-healthcare, insurance, or related information.

The Website is not directed to children under 13, and we do not knowingly solicit children under 13 to use the Services.

41. ASSIGNMENT

You may not assign or transfer your rights or obligations under these Terms without USH's prior written consent, except where applicable law provides otherwise.

USH may assign or transfer these Terms, rights, or obligations in connection with a merger, acquisition, financing, restructuring, reorganization, sale of assets, sale or transfer of a book of business, succession transaction, or transfer of the applicable business, subject to applicable law.

42. NO WAIVER

Failure or delay by USH in exercising or enforcing a right or provision does not constitute a waiver.

Rights and remedies under these Terms are cumulative and are in addition to rights and remedies available under applicable law.

43. SEVERABILITY

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by law or, where appropriate, severed.

The remaining provisions will continue in effect unless applicable law requires otherwise.

The arbitration-specific severability provisions in Section 36 govern the arbitration agreement.

44. SURVIVAL

Provisions that by their nature should survive termination, expiration, discontinuation, or cessation of use will survive, including intellectual-property provisions, disclaimers, limitations of liability, indemnification, arbitration and dispute provisions, governing law, assignment, and accrued rights.

45. CHANGES TO THESE TERMS

We may revise these Terms periodically to reflect changes in the Website, Services, technology, business practices, insurance relationships, legal requirements, regulatory requirements, or other relevant circumstances.

Updated Terms will be posted with a revised "Last Updated" date.

Where applicable law requires additional notice or affirmative consent to a material change—including a material change to dispute-resolution provisions—we will seek to provide such notice or obtain such consent as required.

A change to these Terms will not retroactively alter the dispute-resolution rules applicable to a dispute where doing so would be prohibited by applicable law.

46. TERMINATION OR RESTRICTION OF ACCESS

We may suspend, restrict, or terminate access to all or part of the Website or Services where reasonably necessary to protect Website security, prevent fraud or abuse, comply with law or regulatory requirements, protect personnel or users, enforce these Terms, or protect legitimate business or legal interests.

Termination does not terminate rights or obligations that accrued before termination or are intended to survive.

47. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy and any additional terms expressly applicable to a particular Website service, constitute the agreement concerning your use of MedicareAndTFL.com and the Services, subject to applicable law.

Insurance policies, carrier contracts, applications, enrollment forms, Scope of Appointment documentation, privacy notices, electronic-signature agreements, and other transaction-specific documents remain separately governed by their applicable terms.

In the event of a conflict concerning an insurance product or coverage, applicable official carrier or legally controlling documents govern.

48. CONTACT INFORMATION

Questions concerning these Terms may be directed to:

Uncle Sam's Healthcare LLC

Operator of MedicareAndTFL.com

Daniel Island, South Carolina

United States

Email: support@unclesamshealthcare.com

Telephone: (202) 552-1418

Mailing Address: 1225 Blakeway St Unit 1205 Daniel Island, SC 29492

49. OFFICIAL MEDICARE INFORMATION

MedicareAndTFL.com and Uncle Sam's Healthcare LLC are independent of the federal Medicare program.

For official Medicare information, visit Medicare.gov or call:

1-800-MEDICARE (1-800-633-4227)