easyMed Insurance Services Terms of Use

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Acceptance of Terms

These Terms of Use disclose the terms and conditions for the websites www.e-telequote.com and www.easymedicare.com (collectively, this “Site”). This Site is provided to you (“you” or “your”) by e-TeleQuote Insurance, Inc. and its affiliates (collectively, “e-TeleQuote,” “us,” “we” or “our”). 

Important! Please read these Terms of Use carefully. This is a contract. By accessing and using this Site and its various pages, you agree to be bound by these Terms of Use, as well as the easyMed Online Privacy Policy (collectively referred to as these “Terms of Use”). IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU MAY NOT ACCESS OR USE THIS SITE OR ANY OF ITS PAGES. YOUR ACCESS AND USE OF THIS SITE WILL BE DEEMED TO MEAN THAT YOU ACCEPT THESE TERMS OF USE.

About This Site

e-TeleQuote specializes in providing insurance quotes and connecting insurance shoppers with insurance carriers and professionals who can assist them. This Site provides users with online Medicare Advantage, Medicare Supplement, Prescription Drug plan price comparison and drug substitution technologies and databases to help consumers select an appropriate plan and save on their healthcare costs. This Site may also include other health and life policies from time to time. Additionally, this Site provides a wide selection of health information and materials to assist users in researching healthcare options. These offerings and services are hereinafter referred to as “the Service”. The plan comparison quotes and other health information furnished on this Site and any interactive responses are not intended to be professional advice and are not intended to replace personal consultation with a qualified physician, pharmacist or other healthcare professional.

We do not give medical advice, nor do we provide medical or diagnostic services. Medical information changes rapidly. Neither our content providers nor we guarantee that the content of this Site covers all possible insurance plans, participating doctors, prescription drug information, directions, precautions, drug interactions, or adverse effects that may be associated with any medical treatments or health problems that you may be experiencing.

Your reliance upon information and content obtained by you at or through this Site is solely at your own risk. Neither we nor our content providers assume any liability or responsibility for damage or injury (including death) to you, other persons or property arising from any use of any product, information, idea or instruction contained in the content or services provided to you.

e-TeleQuote does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by e-TeleQuote.

Personal and Noncommercial Use Limitation

In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site.

This Site contains and references trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of e-TeleQuote. This Site, including, but not limited to, the source and object codes, logic, all graphical and navigational elements, the compilation, arrangement, structure, and sequence of all components, all content and applications, and the information on this Site, including, but not limited to, text, data, “look and feel” audio elements, videos, images, and pictures, regardless of the form or media in which the original or copies may exist, is the sole and exclusive property of e-TeleQuote and its licensors. No license or right to or in any trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of e-TeleQuote and/or any third parties is granted to or conferred upon you. You may not reproduce, copy, transmit, sell, sublicense, display, distribute, publish, broadcast, circulate, modify, create derivative works of, disseminate, or commercially exploit any portion of this Site or any information provided on this Site in any manner (including in electronic, print or other media, whether now known or hereafter developed) without the express written consent of e-TeleQuote. e-TeleQuote may enforce its intellectual property and proprietary rights to the fullest extent of the law, including seeking civil remedies and criminal prosecution.

The Site may contain technical inaccuracies or typographical errors or omissions. e-TeleQuote reserves the right to make changes, corrections and/or improvements to the Site, and to the products and programs described in such information, at any time without notice. The Site is offered at the sole and absolute discretion of e-TeleQuote, which further reserves the right to terminate the Site or any portion thereof at any time without notice.

Copyright

©2023 e-TeleQuote. Copyright in all content on this Site is owned exclusively by e-TeleQuote and its licensors, unless otherwise indicated. All Rights Reserved.

Trademarks

The trademarks, service marks, logos, trade names, trade dress, URLs and domain names (“Marks”) appearing on this Site are the exclusive property of e-TeleQuote or its licensors and are protected by U.S. and international laws and treaties. You may not use, copy, reproduce, download, modify, publish or display any of the Marks. Any use of any Mark without e-TeleQuote’s express written consent is strictly prohibited. All rights in the Marks are reserved by e-TeleQuote and its licensors. Other product and company names mentioned on this Site may be the trademarks of their respective owners.

ETELEQUOTE® is a registered trademark of e-TeleQuote and is used in the United States. e-TeleQuote also has proprietary rights in certain other trademarks and service marks contained on this Site.

Designated Agent

Pursuant to Section 512(c)(2) of the Copyright Revision Act, as amended by the Digital Millennium Copyright Act (the “Act”), written notice of any claimed copyright infringement relating to the activities of Service Providers (as defined in the Act) under Section 512 of the Act must be submitted to the Designated Agent as specified below. Any notice sent to the Designated Agent must meet the requirements of Section 512(c)(3) of the Act.

Service Provider(s): e-TeleQuote

Designated to Receive Notification of Claimed Infringement:

Address:

e-TeleQuote Insurance, Inc

5659 Rio Vista Dr.

Clearwater, FL 33760

Email: [email protected] or use the “Contact Legal Team” form on our Contact Us page.

This contact information is provided only for making a claim of copyright infringement. For other purposes, see the Contacting Us section below.

Available Services

The purpose of the Site is to provide you with the ability to receive comparative insurance quotations from a network of insurance agents, brokers and other licensed insurance providers (hereinafter “Providers”), based on the information you have provided. These Providers may have one or numerous companies from which they will provide you with quotes. Once you have provided us with the information needed, by sufficiently completing an appropriate online form, we will refer that information to these Providers, who may then contact you directly if they are able to provide you with a quotation for insurance coverage. From time to time, these Providers may ask for additional information they may need to obtain an accurate quote. In the event that we do not have sufficient participation on our network in your area, you may receive less than five offers.

We do not guarantee that any of the Providers to whom we may forward your information will contact you or agree to provide you coverage. We are not responsible, in any way, for the conduct of the Providers to whom we forward your insurance quotation requests. If you need personal advice, explanation of coverage, assessment of needs or specific policy recommendations, consult with a licensed insurance agent, broker, or other qualified professional.

We reserve all the rights to our Site contents and may, at our sole discretion, change the contents of the Site, restrict access to certain sections of the Site, or discontinue any aspect of the Site, including, but not limited to, content, features, and hours of availability, without notice or penalty.

Your Use of The Service

You must be at least 18 years of age to use the Service. You warrant and agree that, while using the Service, you will not do any of the following:

  • impersonate any other person or entity;
  • submit any information pertaining to a third party without that third party’s understanding and express consent;
  • submit false or misleading information;
  • exploit the Service for any commercial reason;
  • engage in any activity prohibited under the CAN-SPAM Act;
  • engage in any criminal or otherwise unlawful behavior;
  • commit any action which could give rise to civil liability;
  • restrict others from making use of the Service;
  • upload or attempt to upload any computer virus or malicious computer code, file program, or other digital property; or
  • commit any action that interferes with, blocks, or otherwise harms the Service.

You may not establish a hypertext “link” to this Site and/or distribute, modify or re-use the text or graphics of the Site unless you obtain prior express written permission from e-TeleQuote allowing you to do so. Further, without e-TeleQuote’s prior express written consent, you may not use, frame or utilize any framing techniques to enclose any e-TeleQuote trademark, service mark, logo or other proprietary information, including, but not limited to, the images found at this Site or the content of any text or the layout/design of any page or form contained on a page. Except as expressly stated in these Terms of Use, you are not conveyed any right or license by implication, estoppel, or otherwise in or under any patent, trademark, copyright, trade secret or other intellectual property or proprietary right of e-TeleQuote or any third party.

This Site may contain links to websites or applications that are owned, controlled or offered by third parties who are non-affiliates of e-TeleQuote (collectively, “Third-Party Websites”). These Third-Party Websites are not under the control of e-TeleQuote, and e-TeleQuote is not responsible for the contents of any Third-Party Website or any link contained on a Third-Party Website. e-TeleQuote is providing those links to you only as a convenience, and the inclusion of any link does not imply endorsement by e-TeleQuote of any Third-Party Website or any products or services offered by such third party, or constitute any representation or warranty by e-TeleQuote of any Third-Party Website or any items contained on such website or offered by such third party. e-TeleQuote hereby disclaims any and all liability for any information, content, materials, products or services posted on or offered by any Third-Party Websites. Further, e-TeleQuote does not vouch for, or make any representations or warranties with respect to, the security of any Third-Party Website or guarantee that such Third-Party Website is free from malware of any nature.

You alone will bear the sole responsibility of evaluating the merits and risks associated with accessing or using Third-Party Websites and any information, content, materials, products or services provided by such third parties. Third-Party Websites may have different terms and conditions governing access and use of those websites, and you should review any such terms and conditions to understand the rights and obligations as between you and the relevant third party. Further, when you access or use any Third-Party Website, information about you may be collected and used by the relevant third party, which may have different privacy and security practices from those of e-TeleQuote, and you should read such third party’s privacy and security notices to understand how it will use and protect your information, including, but not limited to, personal information. All concerns, issues or questions regarding the usability or functionality of any Third-Party Website should be sent directly to the Third-Party Website’s operators.

Additionally, electronic transmissions to and from this Site may not be confidential and may be read or intercepted by others. You acknowledge that any such transmissions are made at your own risk.

Governing Law

All matters arising out of or related to the Site and/or these Terms of Use, or the enforcement or construction of these Terms of Use, shall be governed by, and construed and enforced in accordance with, the laws of the State of Florida, U.S.A., without regard to any conflict of law principles that would result in the application of the laws of a different jurisdiction. Any suit, action or other legal proceeding arising out of or relating to these Terms of Use and/or the Site shall be brought and adjudicated only in a court of competent jurisdiction located in Pinellas County, Florida, and you hereby consent to and waive any objection to the personal jurisdiction and venue of such court in any such suit, action or other legal proceeding.

No Unlawful or Prohibited Use

As a condition of your use of the Site, you warrant to e-TeleQuote that you will not use the Site for a purpose that is unlawful or prohibited by these Terms of Use.

Submissions

Any idea, feedback, suggestion, concept, know-how or technique, pictures, videos, audio material, graphics, maps, text or information submitted to e-TeleQuote (via this Site, by email or otherwise) (collectively, “Submissions”) shall be deemed and remain the property of e-TeleQuote, and e-TeleQuote shall be free to use such Submissions in any way, at any time and for any purpose, without any obligation to you or restriction of any kind, including, but not limited to, any confidentiality, payment, attribution or similar obligations, except as expressly agreed to in writing by the e-TeleQuote entity having the direct customer, contractor or other relationship with you or as otherwise required by law.

Disclaimer

THE SITE, ALL PORTIONS THEREOF (INCLUDING, BUT NOT LIMITED TO, ITS CONTENT) AND THE SERVICE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, REGARDING THE SITE OR THE SERVICE, INCLUDING, BUT NOT LIMITED TO, THE USE OF THE SITE OR THE SERVICE OR THEIR ACCURACY, ADEQUACY, COMPLETENESS, SEQUENCE OR TIMELINESS, AS TO COMMUNICATION RELIABILITY, INTERRUPTIONS OR LOSS OF DATA, OR THAT THE SITE IS FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. WE EXPRESSLY DISCLAIM ALL WARRANTIES REGARDING THE ACCURACY OR RELIABILITY OF THE INFORMATION PROVIDED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE OR THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE, AND WE DO NOT WARRANT THAT THE SITE OR THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE OR THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. THERE ARE INHERENT RISKS IN THE USE OF ANY SOFTWARE OR INFORMATION FOUND ON THE INTERNET, AND YOU ACKNOWLEDGE THAT YOU ACCEPT THESE RISKS BEFORE MAKING USE OF THE SITE.

WE MAKE NO WARRANTIES REGARDING THE AFFILIATION OF ANY PROVIDER WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY PROVIDER WHO MAY CONTACT YOU THROUGH THE SERVICE. IF YOU ARE DISSATISFIED WITH THE SITE OR THE SERVICE, YOUR SOLE REMEDY IS TO DISCONTINUE ITS USE.

WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE MAKE NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR RELIABILITY OF THIS INFORMATION. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU.

WE MAKE NO REPRESENTATION OR WARRANTY, EITHER EXPRESS, IMPLIED OR STATUTORY, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THE SITE, OR OF ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO GUARANTEE, EXPRESSED, STATUTORY OR IMPLIED, THAT A USER WILL BE ABLE TO OBTAIN A QUOTE FROM ANY PARTICULAR COMPANY OR PROVIDER MENTIONED ON THE SITE.

Limitation of Liability

E-TELEQUOTE AND ITS SUPPLIERS ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY DAMAGES (AS DEFINED BELOW) WHATSOEVER ARISING IN CONNECTION WITH THE USE OF THE SITE, THE SERVICE OR ANY THIRD-PARTY WEBSITE, ANY INABILITY TO USE THE SITE OR THE SERVICE BY ANY PERSON, ANY FAILURE OF PERFORMANCE, ERROR OR OMISSION, ANY LOST DATA OR BUSINESS INTERRUPTION, ANY INTERRUPTION, DEFECT, DOWNTIME OR DELAY IN OPERATION, ANY TRANSMISSION THROUGH THE SITE OF A COMPUTER VIRUS (OR OTHER COMPUTER CODE OR PROGRAMMING DEVICE THAT MIGHT BE USED TO ACCESS, MODIFY, DELETE, DAMAGE, CORRUPT, DEACTIVATVE, DISABLE, DISRUPT, SLOW OR OTHERWISE IMPEDE IN ANY MANNER THE OPERAITON OF THE SITE OR ANY OF YOUR SOFTWARE, HARDWARE, DATA OR PROPERTY), ANY TRANSMISSION, RECEPTION OR SYSTEM FAILURE, ANY ACT OF GOD, WAR OR TERRORISM, OR E-TELEQUOTE’S POSTING OF PICTURES, VIDEOS, TESTIMONIALS, ETC., EVEN IF E-TELEQUOTE IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. AS USED IN THIS SECTION, DAMAGES MEANS ANY AND ALL LOSSES, LOST PROFITS, EXPENSES OR LIABILITITES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, DIRECT, SPECIAL, INDIRECT, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, EMOTIONAL DISTRESS OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOSS OF REVENUE OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SITE, THE SERVICE OR THE INFORMATION CONTAINED THEREIN, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, BREACH OF WARRANTY, STRICT LIABILITY, STATUTE, EQUITY, LAW, OR OTHERWISE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE, THE SERVICES AND/OR THIRD-PARTY WEBSITES IS TO STOP USING THE SITE, THE SERVICES AND/OR THE THIRD-PARTY WEBSITE. E-TELEQUOTE IS NOT RESPONSIBLE FOR PAYMENT OF ANY CLAIMS A USER MAY HAVE RELATING TO INSURANCE PURCHASED THROUGH THE SITE.

WITHOUT LIMITING THE DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH ABOVE, IN NO EVENT SHALL E-TELEQUOTE’S AGGREGATE LIABILITY TO YOU FOR ANY DAMAGES ARISING OUT OF OR RELATED TO THESE TERMS OF USE, THE SITE OR THE SERVICE EXCEED $10, IRRESPECTIVE OF WHETHER OR NOT E-TELEQUOTE HAS BEEN ADVISED OR ANTICIPATED THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION SHALL APPLY WHETHER THE DAMAGES ARE DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, EMOTIONAL DISTRESS OR OTHER DAMAGES, AND REGARDLESS OF WHETHER ARISING IN CONTRACT, NEGLIGENCE, TORT, BREACH OF WARRANTY, STRICT LIABILITY, STATUTE, EQUITY, LAW OR OTHERWISE.

SOME OR ALL OF THE DISCLAIMERS AND LIMITATIONS IN THIS SECTION MAY NOT APPLY TO YOU BECAUSE SOME STATES OR JURISDICTIOS DO NOT ALLOW DISCLAIMERS OR LIMITATIONS OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES.

Indemnification

You agree to indemnify, defend and hold harmless e-TeleQuote (including its affiliates and its and their respective directors, officers, employees, and agents) from and against any and all claims, liabilities, costs, and expenses, including reasonable attorneys’ fees and costs, due to or arising in any way from the use or misuse by you of the Site and/or the Service, your violation of these Terms of Use, your violation of any law, or infringement by you of any right of any person or entity. You shall not settle any such claim without the prior written consent of e-TeleQuote.

Existing Insurance Coverage

Do not cancel any existing insurance prior to receiving written confirmation from the insurance company to which you are applying that your new policy is in effect.

Other

If any provision of these Terms of Use is found to be invalid or unenforceable, the other provisions shall remain in full force and effect, and such provision shall be limited or eliminated to the minimum extent necessary so that these Terms of Use shall otherwise remain valid and enforceable. These Terms of Use constitute the full understanding between you and us. You agree that any claim arising from or related to the Service, the Site and/or these Terms of Use must be filed within twelve (12) months of your use of the Service or the Site, regardless of any statute or law to the contrary.

Contacting Us

If you have any questions about e-TeleQuote, this Site, our service, or these Terms of Use, you may contact us through the methods listed on our Contact Us  page or at this address:

e-TeleQuote Insurance, Inc

5659 Rio Vista Dr.

Clearwater, FL 33760

Changes and Updates

We reserve the right to make changes and updates to these Terms of Use at any time, at our sole discretion, by posting an updated version to this page. All new versions of these Terms of Use automatically take effect when they are posted on this page, and your continued access and use of the Site after a new version is posted is deemed acceptance of those changes. You are responsible for periodically visiting this page to check for any changes and review the then-current Terms of Use. Checking the “Last Updated” date at the bottom of these Terms of Use allows you to determine if these Terms of Use have been revised since the last time you reviewed them.

Last Updated August 2023


e-TeleQuote Insurance Inc. (“e-TeleQuote”) does business as easyMed Insurance Services in all states other than New Mexico. e-TeleQuote is a duly licensed insurance agency appointed by Medicare Advantage HMO, PPO and PFFS plans and stand-alone prescription drug plans and insurance companies holding Medicare contracts approved by The Centers for Medicare & Medicaid Services (CMS). e-TeleQuote is not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Enrollment in any plan for coverage is subject to insurance company approval. Enrollment in the plan depends on the plan’s contract renewal with Medicare. By using e-TeleQuote’s easyMedicare website, you understand and agree that in New Mexico, we operate as e-TeleQuote Insurance, Inc. (Your IP address and/or location coordinates may be gathered to verify your location.) Sales agents may be compensated based on your enrollment in a health plan. Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program. e-TeleQuote complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. easyMedicare.com is a non-government site, powered by e-TeleQuote Insurance, Inc. e-TeleQuote provides a secure way to purchase Medicare insurance from the comfort of your home or workplace. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-Medicare (TTY users should call 1-877-486-2048) 24 hours day/7 days a week, or your local State Health Insurance Program (SHIP), to get information on all of your options. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Last Updated: September 30, 2024

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