Terms of Use

1. Acceptance of these terms

By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the website. You must be at least 18 years old and legally able to enter into an agreement to use this website.

2. What CareCompassUSA does

CareCompassUSA is an independent advertising and insurance matching service that publishes general information about final expense and Medicare-related coverage and may route consumer calls or clicks to independent third-party partners.

CareCompassUSA is not an insurance company, insurance agency, broker, licensed insurance producer, or government entity. We do not employ or operate insurance agents. We do not underwrite, issue, sell, service, or administer insurance; provide quotes or plan-specific advice; determine eligibility; accept applications; or enroll consumers in coverage.

We are not affiliated with, endorsed by, or connected to the U.S. government, the federal Medicare program, or any state or federal agency. Official Medicare information should be obtained directly from the federal program.

3. Advertising compensation

This website is an advertisement. CareCompassUSA may receive a commission, referral fee, or other advertising compensation when a call or click is routed to an independent partner. We may be compensated whether or not you purchase a product. Compensation can influence which partners or links appear, but it does not change the amount you pay unless the applicable third party states otherwise.

4. Independent third parties

Third-party insurers, agencies, brokers, call centers, licensed professionals, websites, and service providers are independent from CareCompassUSA. We do not control their products, licensing, statements, availability, prices, privacy practices, or conduct. A referral or link is not a guarantee, recommendation, or endorsement.

Partners may not offer every plan or product available in your area. Product availability, benefits, premiums, eligibility, underwriting, network participation, and enrollment rules vary. You are responsible for reviewing official plan documents, checking a professional's license, comparing alternatives, and deciding whether a product is suitable for you.

Your communication or transaction with a third party is solely between you and that party and may be governed by separate terms, privacy notices, call-recording notices, and consent language.

5. No professional advice or guarantees

Website content is general educational and advertising information only. It is not insurance, legal, tax, financial, medical, or other professional advice. We do not guarantee that information is complete, current, error-free, or applicable to your circumstances. We do not guarantee partner availability, contact, eligibility, approval, savings, benefits, price, coverage, or enrollment.

6. Acceptable use

You agree not to:

• use the website for unlawful, fraudulent, abusive, or misleading purposes;
• interfere with the website's operation, security, or availability;
• introduce malware or attempt unauthorized access to systems or information;
• scrape, copy, or exploit website content through automated means except as permitted by law;
• impersonate another person or misrepresent your affiliation; or
• infringe intellectual property, privacy, or other rights.

We may restrict or terminate access when we reasonably believe these terms have been violated.

7. Intellectual property

The website's branding, design, text, graphics, and other content are owned by CareCompassUSA or used with permission and are protected by applicable laws. We grant you a limited, revocable, nonexclusive, nontransferable right to access the website for personal, noncommercial use. No other rights are granted.

8. Disclaimer of warranties

To the fullest extent permitted by law, the website and all content are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, noninfringement, security, or availability. Some jurisdictions do not allow certain warranty exclusions, so part of this section may not apply to you.

9. Limitation of liability

To the fullest extent permitted by law, CareCompassUSA and its owners, affiliates, personnel, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; loss of data, revenue, profits, or opportunity; or claims arising from a third party, even if advised that such harm was possible.

To the fullest extent permitted by law, our total liability for claims arising from or related to the website will not exceed one hundred U.S. dollars (US $100). These limitations do not apply where prohibited by law.

10. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless CareCompassUSA and its owners, affiliates, personnel, and service providers from claims, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from your misuse of the website, violation of these terms, or infringement of another person's rights.

11. Changes, availability, and termination

We may modify, suspend, or discontinue any part of the website at any time. We may update these terms by posting a revised version and changing the effective date. Your continued use after an update means you accept the revised terms.

12. Governing law and disputes

These terms are governed by applicable United States law and applicable state law, without regard to conflict-of-law principles. Any dispute must be brought in a court with lawful jurisdiction over the parties and subject matter. Nothing in these terms limits rights that cannot legally be waived.

13. General terms

If any provision is found unenforceable, it will be limited or removed to the minimum extent necessary, and the remaining provisions will continue in effect. Our failure to enforce a provision is not a waiver. You may not assign these terms without our written consent. These terms and the Privacy Policy are the entire agreement regarding this website.

14. Contact us

Questions about these terms may be sent to:

CareCompassUSA
support@carecompassusa.com