1. Your Acceptance
Throughout this Agreement, the words “GC,” “us,” “we,” and “our,” refer to our company, GC, as is appropriate in the context of the use of the words.
This Agreement represents your assent to the terms hereunder and including your agreement that GC may call and text you regarding its services and monitor and record any telephone calls made or received by GC for the business purposes of GC or any of its subsidiaries, employees, contractors, agents, business partners, their Affiliates as defined herein (including those listed here), or any other third parties permitted to receive your information under this Agreement (“Affiliates”).
2. Information Submission
Portions of the Site may allow you to submit information to us. You must fully complete the information submission process by providing us with your current, complete, truthful, and accurate information as prompted by the applicable form.
3. Content Disclaimer
GC is an online marketing company that participates in a network of service providers that may sell you certain Medicare or health insurance products and services for personal and/or business use. GC may directly sell you products or services, and we may provide customer service for services or sold products directly offered by GC. If you agree to utilize the services or products offered, you are entering into a contractual relationship with either a third-party provider that is a part of our network or GC directly. GC does not make any representations or warranties with respect to any product or service sold on this Site or otherwise.
You understand that a third-party provider is acting as an Affiliate of GC. An Affiliate may have its own terms and conditions and may contact you directly to market its own products and services. GC is not the same company or entity as these Affiliates; GC may collect your personal information such as a telephone number, authorized by your use of this Website or otherwise, give your personal information to an Affiliate, such as your phone number as authorized by you by contacting GC through the use of the Website or otherwise. You understand that if you are sold a product or service by an Affiliate, GC does not offer customer support for products or services sold by an Affiliate, and any contractual relationship you form for such products or services will be formed between you and the Affiliate.
You agree to the use of this Site at your own risk. Likewise, you agree that supplies and products purchased through this Site or otherwise can cause harm; thus, you assume the risk associated with that harm and grant GC a full liability release with respect to your usage of this Site, the products purchased on this Site, and the use of such products by you. GC disclaims all implied warranties, including and not limited to implied warranties of merchantability and fitness for a particular reason. You agree that the GC Content (defined in Section 4 herein) may be inaccurate, unsubstantiated, cause irreparable harm to your devices used for accessing this Site, or possibly even incorrect. You agree to release us from any liability that we may incur for making available any GC Content. You further release us from any claims of damages that could arise from the use of the Site, including, but not limited to, indirect, direct incidental, punitive, and consequential damages
4. Communications and TCPA
By calling one of the Site’s phone numbers or by providing us with a telephone or other contact information, you assent and agree to allow GC and its Affiliates to contact you via telephone, whether by ‘live-calls,’ auto-dialers, pre-recorded messages, or SMS text messaging.
If you wish to opt-out of receiving phone calls, pre-recorded messages, SMS messaging or other communication efforts by GC, you must inform us at firstname.lastname@example.org or by using the “STOP” feature (or similar feature) available to you via SMS.
You further understand and agree that while we process your opt-out request that you may (1) continue to receive communications prior to the opt-out request processing; (2) receive a communication confirming receipt of your opt-out request; and (3) continue to receive non-marketing communications by email or to a non-wireless number, providing confirmations or updates related to your account, policy, or transactions provided by GC’s or its Affiliate’s services.
The Site and any related services provided by the Site are owned and operated by GC including all text, data, graphics, photographs, images, audio, video, trademarks, service marks, trade names and other information, visual or other digital material, software (including source and object codes) and all other content or any description available on the Site or available via a link from Site to a page created by GC on another website (collectively, the "GC Content"). The GC Content is the sole property of GC and/or its licensors. All GC Content is protected by US and international copyright, trademark, service-marks, patents, trade secrets, and other proprietary rights and laws. Use of the GC Content for any purpose not expressly permitted in this Agreement or otherwise consented to by GC is prohibited. You may not otherwise copy, reproduce, perform, distribute, display or create derivative works of the GC Content.
7. Site Availability and Modification
Although we attempt to provide continuous Site availability to you, we do not guarantee that the Site will always be available, work, or be accessible at any particular time. We reserve the right to alter, modify, update, or remove our Site at any time. We may conduct such modifications to our Site for security reasons, intellectual property, legal reasons, or various other reasons at our discretion; however, nothing in this section obligates us to take measures to update the Site for security, legal, or other reasons.
8. Third-Party Links
The Site may contain links to third-party websites that are not owned or controlled by GC. GC has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. In addition, GC will not and cannot censor or edit the content of any third-party site. By using the Site, you expressly relieve GC from any and all liability arising from your use of any third-party website.
9. Your Conduct While Using The Site
When accessing or using our Site, you are solely responsible for your actions, and you agree to abide by the following rules of conduct:
If you are discovered to be undertaking any of the aforementioned actions your privileges to use our Site may at our discretion be terminated or suspended. Generally, we will provide an explanation for any suspension or termination of your use of any of our Site, but GC reserves the right to suspend or terminate your access at any time without notice or explanation.
- You will not copy, distribute, or disclose any part of the Site in any medium, including without limitation by any automated or non-automated “scraping;”
- You will not attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the Site;
- You will not use any robot, spider, crawler, scraper, or other automated means or interface not provided by us to access the Site or to extract or export data collected through the Site;
- You will not take any action that imposes, or may impose at our sole discretion, an unreasonable or disproportionately large load on our infrastructure;
- You agree not to use the Site to stalk, harass, bully, or harm another individual;
- You agree that you will not hold GC responsible for your use of the Site;
- You agree not to violate any requirements, procedures, policies, or regulations of networks connected to GC;
- You agree not to interfere with or disrupt the Site;
- You agree to not violate any US federal laws, state laws, or local laws while using the Site; and
- You agree not to use the Site in any way that is: misleading, unlawful, defamatory, obscene, invasive, threatening, or harassing.
10. User Content
A user’s ability to submit or transmit any information through the Site, including but not limited to text, information, photos, images, or any other information will be referred to as “User Content” throughout this Agreement. All User Content you submit to the Site is owned by you. When you submit any User Content to us, you grant GC its partners, affiliates, users, and representatives and assigns a non-exclusive, limited, fully-paid, royalty-free, irrevocable, world-wide, universal, transferable, assignable license to display, distribute, store, broadcast, transmit, reproduce, modify, prepare derivative works, or use and reuse, all or any part of your User Content. Please be aware that we are not required to host, display, migrate, or distribute any of your User Content and we may refuse to accept or transmit any User Content. You agree that you are solely responsible for any User Content submitted and you release us from any liability associated with any User Content submitted. You understand that we cannot guarantee the absolute safety and security of any such User Content. Any User Content found to be in violation of this Agreement or that we determine to be harmful to the Site may be modified, edited, or removed at our discretion. GC does not endorse and may not verify, monitor, or restrict any of its users or any User Content submitted. You agree that any User Content or any other information may be inaccurate, unsubstantiated, or possibly even incorrect.
11. Limitation of Liability; Representations and Warranties
USE OF THIS SITE INCLUDING ANY GC CONTENT, IS AT YOUR EXCLUSIVE RISK, AND THE RISK OF INJURY FROM THE FOREGOING RESTS EXCLUSIVELY WITH YOU. THE SITE INCLUDING ANY GC CONTENT ARE PROVIDED "AS IS", “AS AVAILABLE, “WITH ALL FAULTS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. SPECIFICALLY, GC DOES NOT MAKE ANY WARRANTY AS TO THE RELIABILITY, ACCURACY, TIMELINESS, USEFULNESS, ADEQUACY, OR SUITABILITY OF ANY GC CONTENT. GC DOES NOT WARRANT THAT THE SITE AND ANY GC CONTENT WILL BE: (1) UNINTERRUPTED OR ERROR FREE; (2) FREE FROM DEFECTS OR ERRORS; OR (3) FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE EXTENT PERMITTED BY APPLICABLE LAW, WE (INCLUDING OUR OFFICERS, DIRECTORS, AGENTS, AFFILIATES AND EMPLOYEES) ARE NOT LIABLE, AND YOU AGREE NOT TO HOLD US RESPONSIBLE, FOR ANY DAMAGES OR LOSSES (INCLUDING, BUT NOT LIMITED TO, LOSS OF MONEY, GOODWILL OR REPUTATION, OR OTHER INTANGIBLE LOSSES OR ANY SPECIAL, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES) RESULTING DIRECTLY OR INDIRECTLY FROM YOUR USE OF THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT GC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF WARRANTIES OR EXCLUSION OF DAMAGES, SO SUCH DISCLAIMERS AND EXCLUSIONS MAY NOT APPLY TO YOU. IN THE EVENT THAT YOUR JURISDICTION DOES NOT ALLOW US TO EXCLUDE ALL LIABILITY, YOU AGREE THAT OUR TOTAL LIABLITY TO YOU WILL NOT EXCEED $100 USD. THIS LIMITATION OF LIABILITY DOES NOT APPLY TO NEW JERSEY USERS, OUR LIABILITY TO NEW JERSEY USERS IS THE MINIMUM AMOUNT REQUIRED UNDER NEW JERSEY STATE LAW. SPECIFICALLY, IN THOSE JURISDICTIONS NOT ALLOWED, WE DO NOT DISCLAIM LIABILITY FOR: (A) DEATH OR PERSONAL INJURY CAUSED BY GC’S NEGLIGENCE OR THAT OF ANY OF ITS OFFICERS, EMPLOYEES, OR AGENTS; (B) FRAUDULENT MISREPRESENTATION; OR (C) ANY LIABILITY WHICH IT IS NOT LAWFUL TO EXCLUDE EITHER NOW OR IN THE FUTURE. WE DO NOT OFFER OR PROVIDE TAX, LEGAL, OR INVESTMENT ADVICE AND YOU ARE RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS BEFORE ACTING ON ANY INFORMATION PROVIDED BY US. THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND GC MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS, OR APPROPRIATENESS FOR ANY PURPOSE. WE ARE NOT AFFILIATED WITH ANY GOVERNMENTAL AUTHORITY, WHETHER FEDERAL, STATE, OR LOCAL, NOR DO WE SELL SERVICES OR PRODUCTS TO CONSUMERS. ALL SERVICES OR PRODUCTS MUST BE PURCHASED THROUGH OUR THIRD-PARTY NETWORK MEMBERS.
IF YOU ARE A RESIDENT OF A JURISDICTION THAT REQUIRES A SPECIFIC STATEMENT REGARDING RELEASE THEN THE FOLLOWING APPLIES. FOR EXAMPLE, CALIFORNIA RESIDENTS MUST, AS A CONDITION OF THIS AGREEMENT, WAIVE THE APPLICABILITY OF CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES, “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR." YOU HEREBY WAIVE THIS SECTION OF THE CALIFORNIA CIVIL CODE. YOU HEREBY WAIVE ANY SIMILAR PROVISION IN LAW, REGULATION, OR CODE THAT HAS THE SAME INTENT OR EFFECT AS THE AFOREMENTIONED RELEASE. YOU RELEASE US FROM ANY LIABILITY RELATING TO OUR SITE OR GC CONTENT, AND YOU RELEASE US, OUR DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AND AGENTS FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM YOU HAVE AGAINST US. THIS RELEASE DOES NOT APPLY TO NEW JERSEY USERS.
You agree to defend, indemnify and hold harmless GC, its officers, directors, employees, affiliates, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:
- your use of any GC Content;
- your violation of any term of this Agreement; and
- your use of the GC Site.
This defense and indemnification obligation will survive this Agreement. You also agree that you have a duty to defend us against such claims and we may require you to pay for an attorney(s) of our choice in such cases. You agree that this indemnity extends to requiring you to pay for our reasonable attorneys’ fees, court costs, and disbursements. In the event of a claim such as one described in this paragraph, we may elect to settle with the party/parties making the claim and you shall be liable for the damages as though we had proceeded with a trial.
We take copyright infringement very seriously, if you live within the US or own any copyrighted material within the US and believe that your copyright has been infringed, please send us a message which contains:
- Your name.
- The name of the party whose copyright has been infringed, if different from your name.
- The name and description of the work that is being infringed.
- The location on our website of the infringing copy.
- A statement that you have a good faith belief that use of the copyrighted work described above is not authorized by the copyright owner (or by a third-party who is legally entitled to do so on behalf of the copyright owner) and is not otherwise permitted by law.
- A statement that you swear, under penalty of perjury, that the information contained in this notification is accurate and that you are the copyright owner or have an exclusive right in law to bring infringement proceedings with respect to its use.
You must sign this notification and send it to our Copyright Agent: Copyright Agent of GC, email@example.com.
15. Choice of Law
This Agreement shall be governed by the laws in force in the State of California. The offer and acceptance of this contract is deemed to have occurred in the State of California.
By using this Site, you agree that: (1) any claim, dispute, or controversy you may have against us, GC or the Site arising out of, relating to, or connected in any way with this Agreement or any products purchased shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (“AAA”) and conducted before a single arbitrator pursuant to the applicable Consumer Rules and Procedures established by AAA (“Rules and Procedures”); (2) the claim or dispute must be brought within one (1) year of the first date of the event giving rise to such action (does not apply to New Jersey users) and the arbitration shall be held in Los Angeles, CA or at such other location as may be mutually agreed upon by you and GC; (3) the arbitrator shall apply Utah law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized at law; (4) there shall be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your and/or GC’s individual claims; and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated (this does not apply to New Jersey users); (5) both parties will bear their own costs of representation and filing for the dispute; (6) where possible and allowed for under the AAA Rules and Procedures both parties shall be entitled to appear electronically or telephonically for all proceedings; and (7) with the exception of subpart (4) above, if any part of this arbitration provision is deemed to be invalid, unenforceable or illegal, or otherwise conflicts with the Rules and Procedures established by AAA, then the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting provision were not contained herein. If, however, subpart (4) is found to be invalid, unenforceable or illegal, then the entirety of this Arbitration Provision shall be null and void, and neither you nor GC shall be entitled to arbitrate their dispute. For more information on AAA and its Rules and Procedures, users may visit the AAA website at http://www.adr.org. In the event that any portion of this arbitration provision is found to be unenforceable or void, both parties agree to settle any disputes arising out of this Agreement in a court of competent jurisdiction located in Los Angeles, CA.
17. Class Action Waiver
You and GC agree that any proceedings to resolve or litigate any dispute whether through a court of law or arbitration shall be solely conducted on an individual basis. You agree that you will not seek to have any dispute heard as a class action, representative action, collective action, or private attorney general action.
In the event that a provision of this Agreement is found to be unlawful, conflicting with another provision of the Agreement, or otherwise unenforceable, the Agreement will remain in force as though it had been entered into without that unenforceable provision being included in it.
If two or more provisions of this Agreement or any other agreement you may have with GC are deemed to conflict with each other’s operation, you agree that GC shall have the sole right to elect which provision remains in force.
We reserve all rights permitted to us under this Agreement as well as under the provisions of any applicable law. Our non-enforcement of any particular provision or provisions of this Agreement or any applicable law should not be construed as our waiver of the right to enforce that same provision under the same or different circumstances at any time in the future.
All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability. You agree that we are not required to provide you with access to our Site and may terminate our Site or your access to the Site at any time and for any reason.
All users who access the Site must be 18 years of age or older.
22. Order Acceptance Policy
Your receipt of an electronic or other form of order confirmation does not signify our acceptance of your order, nor does it constitute confirmation of our offer to sell. GC reserves the right at any time after receipt of your order to accept or decline your order for any reason or to supply less than the quantity you ordered of any item.
You may not assign your rights and/or obligations under this Agreement to any other party without our prior written consent. We may assign our rights and/or obligations under this Agreement to any other party at our discretion.
We may amend this Agreement from time to time. When we amend this Agreement, we will update this page and indicate the date that it was last modified or we may email you. You may refuse to agree to the amendments, but if you do, you must immediately cease using our Site.
25. Electronic Communications
The communications between you and GC use electronic means, whether you visit the Site or send GC e-mails, or whether GC posts notices on the Site or communicates with you via e-mail. For contractual purposes, you (1) consent to receive communications from GC in an electronic form; and (2) agree that all terms, conditions, agreements, notices, disclosures, and other communications that GC provides to you electronically satisfy any legal requirement that such communications would satisfy if it were to be in writing. The foregoing does not affect your statutory rights.
The Telephone Consumer Protection Act of 1991 (“TCPA”) protects consumers from unwanted telemarketing calls, preordered or autodialed calls, fax transmissions and text messages. By visiting this website, contacting either GC, and/or using GC’s services or products, you agree to allow GC and its Affiliates to contact you via telephone, whether by ‘live-calls,’ auto-dialers, or pre-recorded messages and SMS text messaging. If you wish to opt-out of receiving phone calls, pre-recorded messages, SMS messaging or other communication efforts by GC, you must inform us at firstname.lastname@example.org or by using the “STOP” feature (or similar feature) available to you via SMS.
27. California Users
Pursuant to California Civil Code Section 1789.3, any questions about pricing, complaints, or inquiries about c must be sent to our agent for notice to: email@example.com.
Lastly, California users are also entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.
28. Digital Millennium Copyright Act of 1998.
The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you believe in good faith that materials hosted by GC infringe your copyright, you, or your agent may send to GC a notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon GC actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send to GC a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. GC Copyright Agent for notice of claims of copyright infringement or counter notices can be reached as follows: firstname.lastname@example.org.
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