Terms and conditions

Last modified: January 15, 2025

Welcome to the website of Direct to Consumer Insurance Services (“we,” “us,” or “our”). By accessing or using our website, https://directtoconsumerins.com (the “Website”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, please do not use the Website.
  • 1. Acceptance of Terms
  • 2. Medicare Services and Compliance
  • 3. Scope of Services
  • 4. Data Privacy and HIPAA Compliance
  • 5. Use of the Website
  • 6. Intellectual Property
  • 7. Third-Party Links
  • 8. Disclaimer of Warranties
  • 9. Limitation of Liability
  • 10. Indemnification
  • 11. Complaint and Error Resolution
  • 12. Accessibility
  • 13. Changes to Terms
  • 14. Governing Law and Venue
  • 15. Force Majeure
  • 16. Severability
  • 17. Entire Agreement
  • 18. Contact Us

1. Acceptance of Terms

By accessing or using the Website, you represent that you are at least 18 years of age and agree to comply with these Terms, our Privacy Policy [link to Privacy Policy], and all applicable laws, including those of the State of Texas and the United States. These Terms apply to all users, including visitors, clients, and others who access the Website.

2. Medicare Services and Compliance

Direct to Consumer Insurance Services is an independent insurance agency specializing in Medicare Advantage, Medicare Supplement (Medigap) and Medicare Part D plans. We provide consultation, plan comparison, and enrollment assistance in compliance with the Centers for Medicare & Medicaid Services (CMS) regulations. Our agents are certified by the America’s Health Insurance Plans (AHIP), ensuring adherence to industry standards for knowledge and ethical conduct.
  • Informational Purposes: Information provided on the Website is for educational purposes only and does not constitute an offer to enroll in a specific Medicare plan. Enrollment is subject to CMS eligibility requirements, carrier approval, and applicable enrollment periods.
  • No Guarantee of Coverage: While we strive to recommend suitable plans, final eligibility, premiums, and coverage decisions are determined by the insurance carrier and CMS. We cannot guarantee acceptance into any plan.
  • Marketing Compliance: All marketing and communications comply with CMS guidelines. We do not engage in unsolicited contact, misleading practices, or discriminatory activities. By providing your contact information, you consent to receive electronic communications from us, including service updates and, where permitted, marketing materials. You may opt out of marketing communications at any time by following the instructions in our communications or contacting us at 866-775-5409 or 611 S. Ft. Harrision Ave. Clearwater, FL 33756.
  • Client Responsibilities: You are responsible for providing accurate and complete information to facilitate plan enrollment and for reviewing all plan documents before enrolling.

3. Scope of Services

We offer information, consultation, and enrollment assistance for Medicare insurance products. We do not provide medical, legal, or financial advice outside the scope of insurance services. Any recommendations are based on your stated needs and are not influenced by any single insurance carrier. Information on the Website, including plan descriptions and premium estimates, is not a binding offer or contract. Actual terms are determined by the insurance carrier.

4. Data Privacy and HIPAA Compliance

We are committed to protecting your personal information, including protected health information (PHI), in accordance with the Health Insurance Portability and Accountability Act (HIPAA) and applicable state laws. Our Privacy Policy [link to Privacy Policy] outlines how we collect, use, disclose, and safeguard your information.
  • Data Security: We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, use, or disclosure. However, no online platform is completely secure, and we cannot guarantee absolute security.
  • User Responsibilities: You agree to provide accurate information and to safeguard any login credentials or personal data used on the Website.

5. Use of the Website

You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to:
  • Use the Website in any way that violates federal, state, or CMS regulations, including unsolicited marketing of Medicare plans.
  • Attempt to gain unauthorized access to the Website, its servers, or any connected systems.
  • Introduce viruses, malware, or other harmful code.
  • Use the Website to solicit or market Medicare plans in a manner that violates CMS guidelines.
We reserve the right to terminate your access to the Website for any violation of these Terms.

6. Intellectual Property

All content on the Website, including text, graphics, logos, and software, is the property of Direct to Consumer Insurance Services or its licensors and is protected by U.S. and international copyright and trademark laws. You may not reproduce, distribute, or modify any content without our prior written consent.

7. Third-Party Links

The Website may contain links to third-party websites not controlled by us. We are not responsible for the content, privacy practices, or terms of these websites. Links do not imply endorsement by Direct to Consumer Insurance Services.
 

8. Disclaimer of Warranties

The Website and its content are provided “as is” without warranties of any kind, express or implied, including warranties of accuracy, reliability, or fitness for a particular purpose. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
 

By using this Website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

9. Limitation of Liability

To the fullest extent permitted by law, Direct to Consumer Insurance Services, its affiliates, and agents will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website or our services, including but not limited to errors in plan enrollment, website downtime, or reliance on information provided. Your sole remedy is to discontinue use of the Website.
 

By using this Website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

10. Indemnification

You agree to indemnify, defend, and hold harmless Direct to Consumer Insurance Services, its officers, employees, and agents from any claims, losses, or damages, including reasonable attorneys’ fees, arising from your violation of these Terms, misuse of the Website, or violation of applicable laws.
 

By using this Website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

11. Complaint and Error Resolution

If you have a concern, complaint, or believe there has been an error in plan enrollment or information provided, please contact us at [insert contact info]. We will respond within five (5) business days and work to resolve the issue in accordance with CMS guidelines.
 

By using this Website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

12. Accessibility

We are committed to making the Website accessible to all users, including those with disabilities, in accordance with the Americans with Disabilities Act (ADA) and Web Content Accessibility Guidelines (WCAG). If you encounter accessibility issues, please contact us at
 
Direct to Consumer Insurance Services, LLC
611 S. Ft. Harrision Ave. Suite 290
Clearwater, FL 33756

13. Changes to Terms

We may modify these Terms at any time. Changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

14. Governing Law and Venue

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Website will be resolved in the state or federal courts located in Pinellas County, Florida, and you consent to the jurisdiction of such courts.
 

15. Force Majeure

We are not liable for delays or failures to perform our services due to events beyond our reasonable control, including but not limited to natural disasters, government actions, CMS system outages, or technical failures.
 

16. Severability

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

17. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly referenced herein, constitute the entire agreement between you and Direct to Consumer Insurance Services regarding your use of the Website.
 
 
 

18. Contact Us

For questions about these Terms or our services, please contact us at:
  • Email: info@directtoconsumerins.com
  • Phone: 1-866-775-5409
  • Address: 611 South Ft. Harrision Ave. #290 Clearwater FL 33756