Terms & Conditions

1. Acceptance of Terms

By accessing or using our services, you acknowledge that you have read, understood, and agree

to be bound by these Terms, including any additional terms and conditions and policies

referenced herein. If you do not agree to these Terms, please do not use our services.

2. Use of Services

a. Eligibility: You must be eligible to use our services, and you agree to provide accurate and

complete information when using our services.

b. Access and Accounts: You may need to create an account to access certain features of our

services. You are responsible for maintaining the confidentiality of your account credentials and

for all activities that occur under your account.

3. Medicare Enrollment Services

a. Scope: Our agency provides services related to Medicare enrollment and healthcare assistance.

We do not guarantee eligibility for Medicare benefits, and the final determination

rests with Medicare and other relevant authorities.

b. Accuracy: While we strive to provide accurate and up-to-date information, we do not warrant

the accuracy or completeness of the information provided on our website or through our services.

4. Privacy and Security

a. Privacy Policy: Your use of our services is subject to our Privacy Policy, which outlines how

we collect, use, and protect your personal information.

b. Security: We employ reasonable security measures to protect your personal information but

cannot guarantee the security of your data. You are responsible for maintaining the security of

your account.

5. Intellectual Property

a. Ownership: All content and materials on our website and services, including but not limited to

text, graphics, logos, and software, are the property of The MacCalla Agency and are

protected by intellectual property laws.

b. Use of Content: You may not use our content for any purpose without our prior written

consent.

6. Termination

We reserve the right to terminate or suspend your access to our services, with or without notice,

for any violation of these Terms or for any other reason at our sole discretion.

7. Limitation of Liability

To the extent permitted by law, The MacCalla Agency and its affiliates shall not be liable

for any direct, indirect, incidental, special, or consequential damages arising from your use

of our services or any information provided therein.

8. Changes to Terms

We may update these Terms from time to time to reflect changes in our services or for other

operational, legal, or regulatory reasons. We will notify you of any significant changes.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States,

without regard to its conflict of law principles. By using our services, you agree to the terms and

conditions outlined in these Terms of Service

10.

You can cancel the SMS service at any time. Simply text “STOP.” Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will

resume sending SMS messages to you. If you experience issues with the messaging program,

reply with the keyword HELP for more assistance, or reach out directly to [email protected]. Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider. For privacy-related inquiries, please refer to our privacy policy

11.

Types of SMS Messages You May Receive

By providing your mobile phone number and opting in through our website, forms, or other communication channels, you agree to receive SMS (text) messages from The MacCalla Agency. These messages may include appointment confirmations and reminders, insurance quote follow-ups, requests for additional information, policy updates, renewal reminders, coverage information, responses to customer service inquiries, account-related notifications, documentation requests, application status updates, and other service-related communications. If you have provided appropriate consent where required by law, you may also receive marketing or promotional messages, such as special offers, educational content, or product announcements. Message frequency may vary depending on your interaction with our services. You may opt out at any time by replying STOP to unsubscribe or HELP for assistance. Message and data rates may apply based on your mobile carrier plan. Consent to receive SMS messages is not a condition of purchasing any goods or services.

12.

This website and the services provided through it are intended for individuals who are at least eighteen (18) years of age. By accessing or using this website, submitting information, or engaging with our services, you represent and warrant that you are 18 years of age or older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that information has been submitted by a person under 18, we reserve the right to delete such information and restrict access to our services.