Terms of Use

1. Acceptance of terms

By accessing or using Policy65 (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

2. Educational purpose only

The Site provides general educational information about Medicare, Medicare Supplement (Medigap) insurance, Medicare Advantage, Medicare Part D, final expense insurance, and related topics. The Site is not:

• Insurance advice or insurance brokerage services
• Financial advice, financial planning, or investment advice
• Medical advice, diagnosis, or treatment
• Legal advice
• An offer or solicitation to purchase any insurance product
• Affiliated with the federal Medicare program or any government agency

You should not rely on Site content as a substitute for advice from licensed professionals (insurance agents, financial advisors, attorneys, healthcare providers) who are familiar with your specific situation. Always confirm Medicare coverage, plan availability, and pricing with Medicare directly (1-800-MEDICARE), via Medicare.gov, or with a licensed agent before making decisions.

3. Accuracy and timeliness

We work to provide accurate and timely information, but Medicare rules, drug formularies, plan availability, and insurance regulations change frequently. Some content may become outdated between scheduled reviews. We disclaim any warranty of accuracy, completeness, or currency. Always verify Medicare-related decisions with primary sources before acting on them.

4. No professional relationship

Use of this Site does not create any professional relationship — agent-client, advisor-client, doctor-patient, attorney-client, or otherwise — between you and Policy65 or any individuals associated with Policy65. Our reviewers' insurance licenses do not extend to readers of this Site; their review of editorial content is for accuracy purposes, not for personal recommendation.

5. Affiliate and advertising relationships

The Site contains advertisements served by Google AdSense and may contain affiliate links to third-party services, including licensed insurance agencies and comparison platforms. When you click affiliate links and complete transactions, we may receive compensation. This compensation does not affect the price you pay or the quotes you receive. Our editorial coverage is independent of these commercial relationships. See our editorial process page for details.

6. Third-party content

The Site links to third-party websites (CMS.gov, Medicare.gov, FDA.gov, carrier sites, etc.) for sourcing and reference purposes. We are not responsible for the content, accuracy, or practices of third-party sites. Linking does not constitute endorsement.

7. User conduct

You agree to use the Site only for lawful purposes and in compliance with these Terms. You will not:

• Use the Site to transmit unlawful, harmful, harassing, or fraudulent content
• Attempt to access non-public areas of the Site or its underlying systems
• Scrape, copy, or republish substantial portions of the Site without written permission
• Use automated systems (bots, scrapers) to access the Site at a rate that exceeds normal human use
• Interfere with the Site's operation or security

8. Intellectual property

All content on the Site — including text, graphics, logos, images, and the underlying organization and structure — is owned by Policy65 or its licensors and is protected by U.S. and international copyright laws. You may share links to specific pages and quote brief excerpts (with attribution and a link back) for non-commercial purposes. Wholesale republication of articles or extensive quotation requires our written permission.

9. Disclaimer of warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, POLICY65 AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON ITS CONTENT, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST SAVINGS, OR ADVERSE INSURANCE OR MEDICAL OUTCOMES.

11. Indemnification

You agree to indemnify and hold harmless Policy65 and its affiliates from any claims arising from your violation of these Terms or your misuse of the Site.

12. Changes to these terms

We may update these Terms from time to time. The effective date at the top reflects the most recent update. Continued use of the Site after changes constitutes acceptance of the revised Terms.

13. Termination

We may suspend or terminate access to the Site at any time, for any reason, including violation of these Terms. The provisions of these Terms relating to intellectual property, disclaimers, limitations of liability, and indemnification survive termination.

14. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Any dispute arising from these Terms or your use of the Site will be resolved exclusively in the state or federal courts located in Delaware.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

16. Contact

For questions about these Terms, email legal@policy65.com.