TERMS & CONDITIONS

THIS WEB SITE DOES NOT PROVIDE EXPLICIT OR IMPLICIT MEDICAL ADVICE. CONSULT YOUR HEALTH CARE PROVIDER FOR MEDICAL ADVICE.

Use of this web site www.medicareful.com is subject to the Terms and Conditions of Use set forth below by Ritter Insurance Marketing, Inc. ("Ritter"), owner of Medicareful.com and related web properties. These Terms and Conditions are periodically updated. The updated Terms and Conditions take effect immediately upon their posting on this Web Site. The Terms and Conditions should be reviewed every time you use the Web Site and its materials (the "Content") or any services offered on or through the Web Site (the "Services") because these Terms and Conditions are binding on you. By using the Web Site, Content, and/or Services, you signify your assent to these Terms and Conditions, as may be modified from time to time. If you do not agree with any of the Terms and Conditions detailed on this page, you may not use and should promptly exit this Web Site.

The contact information which we provide on our agent partners in intended solely for the non-commercial use by individuals seeking more information regarding insurance products. Any use of our agent partners personal information for commercial purposes, including, but not limited to, solicitation of our agents for other products or services is STRICTLY PROHIBITED. Any such use shall be prosecuted to the fullest extent of the law including but not limited to, criminal prosecution and/or civil and punitive damages.

The Web Site, Content and Services are provided on an "as is" basis. The Content, Services, and Web Site functionality are for informational purposes only. Ritter Insurance Marketing Inc. and its licensors disclaim, to the fullest extent of the law, any warranty or guarantee, express or implied, with respect to any of the Content or Services referenced on this site or the Web Site functionality, including without limitation the implied warranties of merchantability, fitness of particular purpose and non-infringement. We do not warrant that the functions contained in the Site will be uninterrupted or error-free, that defects will be corrected, or that this Site or the servers(s) that make our Site available or any advertised or hyperlinked site are free of viruses or other harmful components or that our Site, server(s), advertised or hyperlinked sites will be accessible at all times. Reliance on any Content, Services, or Web Site functionality is done at your own risk. Ritter assumes no responsibility and/or liability for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages whatsoever (including, without limitation, those resulting from lost profits, lost data, or business interruption) arising out of or relating in any way to any use of any Web Site Content, Service, or Web Site functionality and/or any hyperlinked website, or the inability to use any Web Site Content, Service, or Web Site functionality, in each case whether based on warranty, contract, tort, or any other legal theory, and whether or not advised on the possibility of such damages. By using this Web Site, you agree to indemnify and hold Ritter, its officers, agents, and employees harmless from any claims, demands, liabilities, and settlements (including without limitation reasonable legal fees) arising from or relating to your use of this Web Site, and Content or Services, and hyperlinked website, or your breach of any of these Terms and Conditions.

All Content is protected under both United States and international copyright, trademark, patent and other intellectual property laws. Title to the Content remains with Ritter or its licensors and you may not distribute, reproduce, modify, display, publish, or sell Content, in whole or in part, without the prior express written consent of Ritter. Content may not be stored in a retrieval system, translated, or reverse engineered. Derivative works for public or commercial purposes may not be created from Content without the prior express written consent of Ritter. Some of the Content utilized on the Web Site is provided by 3rd parties ("3rd Party Material"). Terms and Conditions that specifically apply to 3rd Party Material are incorporated within these Terms & Conditions. Ritter reserves the right to modify or eliminate any Content, Service, or Web Site functionality at any time without notice. Ritter, while striving to provide quality content, does not guarantee the accuracy, reliability, completeness, or timeliness of the Content. Hyperlinks within the Web Site to other 3rd party web sites do not imply endorsement by Ritter of the 3rd party web sites or guarantee the accuracy, reliability, completeness, or timeliness of content of the 3rd party web sites.

Ritter does not endorse specific health care service providers (including, but not limited to, insurance companies), medications, procedures, services, or products that may be mentioned in the Content nor does Ritter guarantee or warrant these items. You are responsible for the selection of any insurance carriers or other health care providers and to validate the quality and appropriateness of any of the aforementioned medications, procedures, services, or products for your circumstances.

Please read the Privacy & Security Policy for a description of privacy and security provisions. The contents of the Privacy & Security Policy are incorporated herein by reference and constitute an integral part of these Terms & Conditions.

Information concerning any insurance company is intended only for residents of states in which that insurance company is licensed. No applications will be sought or accepted on behalf of any insurance company from a resident of a state in which that insurance company is not licensed.

The insurance services and products described on this web site are only for persons in those states and jurisdictions where such products and services may legally be sold. The products offered on this site may not be available in all states.

Nothing on this web site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

As a condition of your use of this Web Site, you warrant that you will not use the Web Site for any purpose that is unlawful or prohibited by these Terms and Conditions. Ritter reserves the right to terminate your use of the Web Site if it believes you have violated the letter or spirit of these Terms and Conditions.

These Terms and Conditions are governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, USA, exclusive of its choice of law rules. By using the Web Site, you expressly agree that the exclusive jurisdiction for any legal action involving Ritter or this Web Site shall be in the courts of the Commonwealth of Pennsylvania. Any legal action that is subject to the jurisdiction of federal courts shall be instituted in a federal court in Pennsylvania.

Ritter authorizes you to use the Web Site, its Content and Services, solely for your personal, noncommercial use. All rights not expressly granted herein are reserved to Ritter and its licensors. © 2010, Ritter Insurance Marketing, Inc.

Last Updated: 06/25/2010