Privacy Policy
Terms & Conditions
TERMS AND CONDITIONS OF USE
This website, its services and information are made accessible by Chermol Medicare & Insurance Solutions. These Terms and Conditions of Use constitute a binding agreement between you, the visitor, and Chermol Medicare & Insurance Solutions.Please review the Terms of Use.
BY ACCESSING AND USING THIS SITE, IN ANY CAPACITY, YOU AGREE TO BE BOUND BY ALL OF THESE TERMS OF USE. THESE TERMS OF USE GOVERN ACCESS AND USE OF THE SITE.
Chermol Medicare & Insurance Solutions may modify these Terms of Use at any time by posting those modified Terms of Use. All modified terms are effective when posted. BY USING THIS SITE AFTER CHERMOL MEDICARE & INSURANCE SOLUTIONS MAKES MODIFICATIONS, YOU ACCEPT AND AGREE TO BE BOUND BY THOSE MODIFIED TERMS.
IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU MAY NOT USE THE SITE AND MUST CEASE USE OF THE SITE IMMEDIATELY.
SUBMISSIONS
All ideas, graphics, comments, suggestions, materials, or other information (“Submissions”) that you convey to Chermol Medicare & Insurance Solutions through the Site, by ANY means, permanently become Chermol Medicare & Insurance Solutions’ property and may be used by Chermol Medicare & Insurance Solutions anywhere, anytime and for any reason, subject only to Terms of Use and the Privacy Policy. All Submissions are handled as non-confidential and non-proprietary, and Chermol Medicare & Insurance Solutions has no obligation to use or evaluate submission information. Chermol Medicare & Insurance Solutions also has no obligation to respond or disclose any information about its operations.
If you do not acknowledge and agree to these Terms of Use, then do not offer Submissions or enter information.
ABOUT THIS SITE
This Site is part of the Chermol Medicare & Insurance Solutions network. Chermol Medicare & Insurance Solutions is an insurance agency, specializing in providing Medicare supplement insurance quotes and helping Medicare supplement insurance shoppers find the right Medicare supplement. In those states that Chermol Medicare & Insurance Solutions does not operate, Chermol Medicare & Insurance Solutions will connect visitors with the appropriate Medicare supplement insurance professionals.
Chermol Medicare & Insurance Solutions offers several Medicare supplement insurance providers’ plans but does not represent any one company. Any information provided about any particular insurance agent, provider or plan shall not be viewed as an endorsement by Chermol Medicare & Insurance Solutions.
PERSONAL AND NONCOMMERCIAL USE LIMITATION
This website is for use that is personal, informational, and internal to business only. Other uses of the Site are strictly prohibited. You agree that you will not publish, store, copy, modify, display or create similar works from the Site. You may, however, occasionally reproduce an insignificant portion of the Site’s content for noncommercial use or for internal business reasons related to the nature of the website.
In order to use the services offered through this Site, you must be at least 65 years of age or seeking someone who is 65 years of age. You also agree to provide true, accurate and current information about yourself for all Site forms. This Site is for personal, noncommercial use. You may not copy, distribute, reproduce, modify, transmit, display, perform, publish, license, create derivative works from, transfer, or sell any software, products, information or service from this website. You agree to abide by all laws relating to this website’s use.
Manipulation of your personal information gathered from this Site is covered under the Privacy Policy.
THE SITE IS PROVIDED ON AN “AS IS” BASIS FREE FROM WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO TITLE WARRANTIES OR IMPLIED MERCHANTABILITY WARRANTIES, PARTICULAR PURPOSE, OR NON-INFRINGEMENT, OTHER THAN THOSE WARRANTIES IMPOSED BY AND NOT OTHERWISE EXCLUDED, RESTRICTED OR MODIFIED UNDER THIS AGREEMENT’S APPLICABLE LAWS.
USE THIS SITE AT YOUR OWN RISK. CHERMOL MEDICARE & INSURANCE SOLUTIONS AND ITS AGENTS, AFFILIATES, REPRESENTATIVES AND LICENSORS ARE NOT LIABLE FOR ANY LOSS OR INJURY OR ANY DAMAGES, EITHER SPECIAL, INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, CONSEQUENTIAL OR OTHER, THAT RESULT FROM, OR ARE IN ANY WAY CONNECTED TO, THE USE OF THE WEBSITE OR THE USE OF ANY CHERMOL MEDICARE & INSURANCE SOLUTIONS INFORMATION, REGARDLESS OF WHETHER DAMAGES ARE SUPPORTED BY CONTRACT, TORT, STRICT LIABILITY, OR OTHER LIABILITY THEORIES.
SOME JURISDICTIONS DO NOT PERMIT EXCLUDING IMPLIED WARRANTIES OR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO SOME OF THE AFOREMENTIONED EXCLUSIONS MAY NOT APPLY TO YOU.
YOU HEREBY WAIVE ALL CLAIMS AGAINST CHERMOL MEDICARE & INSURANCE SOLUTIONS, ITS REPRESENTATIVES, AFFILIATES, AGENTS, AND LICENSORS STEMMING FROM YOUR USE OF THE WEBSITE OR ANY INFORMATION PERTAINING TO CHERMOL MEDICARE & INSURANCE SOLUTIONS INFORMATION.
COPYRIGHT AND PROPRIETARY RIGHTS INFORMATION
The Site may contain technical inaccuracies and errors. Chermol Medicare & Insurance Solutions reserves the right to change, correct and/or improve the Site, and the products and programs detailed, at any time, unnoticed. This Site references trademarks, technologies, products, patents, trade secrets, processes and/or additional proprietary rights of Chermol Medicare & Insurance Solutions. Chermol Medicare & Insurance Solutions does not grant or confer any of the aforementioned.
AVAILABLE SERVICES
The purpose of the Site is to provide visitors the opportunity to research Medicare supplement insurance and potentially receive assistance from Chermol Medicare & Insurance Solutions.
We do not guarantee that any of the plan providers with which we connect you will contact you or agree to provide you coverage. We are not responsible for the conduct of the Providers. We reserve all the rights to our Site contents, and may change, discontinue, or limit any part of the site at any time.
YOUR USE OF THE SITE
You must be at least 18 years of age to use the Service.
You may not:
impersonate anyone else
restrict others from using these services
upload or attempt to upload viruses or malicious entities
submit third party info without that party’s consent
submit false or misleading information
engage in activities prohibited by the CAN-SPAM Act
engage in criminal behaviors
exploit our service commercially
engage in activities that result in issues of civil liability
commit any action that hinders, stops or harms the service(s)
LINKS TO THIRD PARTY SITES
This Site may contain links under third party control. All linked sites are not under the control of Chermol Medicare & Insurance Solutions. These links do not imply endorsement and Chermol Medicare & Insurance Solutions is not responsible for any resulting damages or injuries resulting from the use of such links and their affiliated sites.
JURISDICTION
Chermol Medicare & Insurance Solutions controls this website. Should you choose to access this website outside the country, you are responsible for following all applicable statutes and laws.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use, you must not use the website in a way that is unlawful or prohibited by these terms, conditions, and notices.
LIABILITY LIMITATION
UNDER NO CIRCUMSTANCES SHALL CHERMOL MEDICARE & INSURANCE SOLUTIONS, ITS EMPLOYEES, AGENTS, OFFICERS, OWNERS OR ANYONE ELSE BE HELD LIABLE FOR ANY THIRD PARTY ACTIONS OR CONSEQUENCES.
SOME JURISDICTIONS DO NOT PERMIT EXCLUDING OR LIMITING INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE AFOREMENTIONED LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.
INDEMNIFICATION
You agree to indemnify Chermol Medicare & Insurance Solutions. Chermol Medicare & Insurance Solutions and its parents, employees, directors, officers and other affiliates are held harmless when confronted with possible charges, including reasonable attorneys’ fees and costs, incurred by Chermol Medicare & Insurance Solutions or made by a third party and stemming from submission use and misuse, connecting websites, violations of Terms of Use, broken laws, or your infringement of anyone’s rights at anytime.
INTELLECTUAL PROPERTY
On this website, all names, logos, and trademarks displayed in the website are protected by the United States and international trademark laws and treaties. They may not be used without the prior written consent of Chermol Medicare & Insurance Solutions or the respective owner of such aforementioned aspects.
The total content of this website, everything included, is protected from copying and simulating in adherence with domestic and international copyright laws and treaties. Unless for an explicitly permitted use under “PERSONAL AND NONCOMMERCIAL USE LIMITATION,” you shall not reproduce, republish, copy or redistribute in any form for any website.
OTHER
You agree that any claim related to the Service should be filed within one year of your use of the Service. These Terms of Use and Privacy Policy constitute the complete agreement between Chermol Medicare & Insurance Solutions and you, as it pertains to this website.
PRIVACY POLICY
HOME
Chermol Medicare & Insurance Solutions is an online resource for people seeking insurance options. We are committed to protecting your privacy and ensuring you have a positive experience using all of our applicable devices. This Privacy Policy describes our process for collecting and using your information through digital avenues. By accessing or using these avenues, you consent to our Privacy Policy. If you give us personal information, we handle it according to this Privacy Policy.
We encourage you to read this Privacy Policy and the Terms of Use so that you have no misconceptions about the way we conduct things.
CONSENT
By using or accessing this website, you agree to abide by the site’s privacy policy, Terms of Use, and disclaimer(s). If you share personal information with this site, you are consenting to our collection and use of such information. You also agree to be contacted by Chermol Medicare & Insurance Solutions, whether you’ve disclosed your telephone number or have registered on any state or Federal DNC list.
COLLECTED INFORMATION
Chermol Medicare & Insurance Solutions uses this website to collect personal information. When you use our service, you authorize the sharing of personal information with Chermol Medicare & Insurance Solutions.
We will collect information, including but not limited to:
- Name
- Sex
- Health information
- Email address
- Address
- Age
- Phone number
INFORMATION COLLECTION
We will only collect your personally-identifiable information if you share it.
However, we may automatically collect pertinent information regarding how you interact and use our websites and mobile applications. This information collection is comprehensive.
If you are using a social media platform or mobile device, you may be subject to a separate and specific policy. If you have any questions about your mobile device, please refer to provider or manufacturer instructions.
You should recognize that “cookies” is always active. Cookies, web beacons and other technologies collect and use anonymous information. However, the collection and use of such information does not enable third-parties to identify you.
OPTING OUT OF INFORMATION USAGE
When you submit to us your personal information, you authorize Chermol Medicare & Insurance Solutions to use such information for any reason. Chermol Medicare & Insurance Solutions representatives may contact you by email, phone or other methods regarding your website activity.
Occasionally, we work with companies that use tracking capabilities. However, you should know that these companies can be dissuaded from sharing your name, postal and e-mail addresses with third parties, including Chermol Medicare & Insurance Solutions.
Be advised: third-party merchants employ different privacy and data collection practices. Such information practices are not covered by this Privacy Policy.
If you prefer not to participate, you can opt-out at any time by following these instructions: https://www.usa.gov/optout-instructions
COMPLYING WITH CAN-SPAM
Chermol Medicare & Insurance Solutions complies with any and all Federal regulations. Chermol Medicare & Insurance Solutions only emails those “opted in” to receive such emails. Individuals “opt-in” by voluntarily providing information and by agreeing to the Terms of Use and Privacy Policy.
If you wish to stop receiving communications from Chermol Medicare & Insurance Solutions, you may “opt-out” whenever. You may opt-out of emails through the “Unsubscribe” link at the bottom of each email, or by contacting us.
CHILDREN’S PRIVACY
Chermol Medicare & Insurance Solutions does not collect or solicit any personally identifiable information from anyone under 13 years of age. As necessary, Chermol Medicare & Insurance Solutions will instruct children not to submit any information to us, in any form or through any means. If a child does provide personally identifiable information, a parent or guardian of that child may request from us that such information be deleted.
CONTACTING US
If you have questions about Chermol Medicare & Insurance Solutions, the website, our services, the Privacy Policy, or if your information changes, or you wish to cease our services, you may modify, delete or deactivate by contacting us.
POLICY CHANGES
Chermol Medicare & Insurance Solutions reserves the right to modify this privacy statement at any time. If we do make any changes, we will alert site visitors in this section. An updated Privacy Policy will be accessible through our website at all times.
This website is owned and operated by Chermol Medicare & Insurance Solutions.