Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Magic Media Group LLC("Senior Health Times," "we," "us," or "our"), the operator of the website located at https://seniorhealthtimes.com (the "Site"). By accessing, browsing, or otherwise using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately cease use of the Site.

Additional terms governing Magic Media Group LLC's broader portfolio of services may be found at InsuranceHelpGuru.com/tc.

2. Nature of Content — Educational Purposes Only

The Site provides general educational and informational content relating to Medicare, Medigap, Medicare Advantage, final expense insurance, hospital indemnity insurance, and related senior health and financial topics. All content published on the Site is for informational purposes only and does not constitute insurance advice, legal advice, financial advice, or medical advice.

Senior Health Times is not a licensed insurance producer, broker, or agent. Nothing on the Site should be construed as an offer to sell, solicitation to purchase, or recommendation of any specific insurance product, plan, carrier, or benefit program. Users should consult a licensed insurance professional or visit Medicare.gov for personalized guidance. Senior Health Timesis not affiliated with or endorsed by the U.S. federal government, the Centers for Medicare & Medicaid Services (CMS), or any government agency.

3. Third-Party Forms and Lead Generation

The Site may contain embedded forms, widgets, or interactive tools operated by third-party lead-generation platforms, insurance comparison services, or advertising technology providers ("Third-Party Services"). By submitting information through any such Third-Party Service embedded on the Site, you acknowledge and agree that:

• Your submission is governed by the privacy policy and terms of service of the applicable third party, not solely by this Policy.
• The third party may share your information with licensed insurance agents, carriers, or affiliated marketing partners who may contact you by telephone, email, or postal mail.
• Senior Health Times does not sell the personal information you submit through our own first-party data collection. However, third-party partners that operate forms or scripts on the Site may independently collect, use, retain, and monetize information you provide to them, subject to any consent you grant at the point of submission and their applicable privacy disclosures.
• You are under no obligation to submit any information through a Third-Party Service in order to access the editorial content of the Site.

4. Intellectual Property

All content on the Site, including but not limited to text, articles, graphics, logos, and editorial compilations (the "Content"), is the proprietary property of Magic Media Group LLC or its content licensors and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any Content without the prior written consent of Magic Media Group LLC.

Photographic images displayed on the Site may be licensed from third-party providers (including, without limitation, Pexels, Inc.) and are subject to those providers' respective licensing terms.

5. Permitted Use; Prohibited Conduct

You agree to use the Site solely for lawful purposes. Without limiting the foregoing, you agree not to:

• Use automated scripts, bots, scrapers, or crawlers to access or extract Content in violation of our robots.txt directives
• Submit false, misleading, or fraudulent information through any form on the Site
• Attempt to gain unauthorized access to any portion of the Site or its infrastructure
• Use the Site to transmit spam, malware, or unsolicited commercial communications
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Engage in conduct that disrupts or interferes with the integrity or performance of the Site

6. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. MAGIC MEDIA GROUP LLC DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE CONTENT IS NOT GUARANTEED TO BE ACCURATE, COMPLETE, CURRENT, OR APPLICABLE TO YOUR INDIVIDUAL CIRCUMSTANCES.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MAGIC MEDIA GROUP LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF MAGIC MEDIA GROUP LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL MAGIC MEDIA GROUP LLC'S AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE EXCEED ONE HUNDRED DOLLARS (USD $100.00).

8. Indemnification

You agree to indemnify, defend, and hold harmless Magic Media Group LLC, its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.

9. Third-Party Links

The Site may contain links to third-party websites or resources. Such links are provided for convenience only. Senior Health Times has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. Your use of third-party sites is at your own risk and subject to the terms and conditions of those sites.

10. Governing Law; Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened misappropriation of intellectual property rights. The arbitration shall take place in Broward County, Florida. YOU AGREE THAT ANY CLAIMS AGAINST MAGIC MEDIA GROUP LLC MUST BE BROUGHT INDIVIDUALLY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site with an updated effective date. Your continued use of the Site following the posting of changes constitutes your acceptance of the revised Terms.

12. Severability; Entire Agreement

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Magic Media Group LLC with respect to your use of the Site.

13. Contact

For CCPA/CPRA and other state privacy rights requests, visit InsuranceHelpGuru.com/privacy.