Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website and consultation services operated by LiveWise Insurance Services ("Company," "we," "us," or "our"). By visiting our website, submitting a form, booking a consultation, or otherwise engaging with our services, you 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, please do not use our website or services.

2. Services Described

LiveWise Insurance Services is a licensed insurance agency that provides free Medicare consultation services to individuals approaching or who have reached age 65. Our services include:

• Explaining Medicare options, including Original Medicare, Medicare Supplement (Medigap), Medicare Advantage (Part C), and Medicare Part D prescription drug plans
• Comparing plans available in your area based on your doctors, prescriptions, and budget
• Assisting with enrollment in plans we are authorized to offer
• Providing ongoing support after enrollment

Our consultation services are provided at no cost to you. We are compensated by insurance carriers when you enroll in a plan through us. This does not affect your premium — your cost is the same whether you use an agent or enroll directly.

3. No Legal, Medical, or Financial Advice

The information provided on our website and during consultations is for general informational purposes and to assist you in understanding your Medicare options. It does not constitute legal, medical, tax, or financial advice.

We are licensed insurance professionals, not attorneys, physicians, or financial advisors. Plan comparisons and recommendations are based on the information you provide to us and the plan options we represent. You should consult qualified professionals for legal, medical, or financial guidance specific to your situation.

4. Eligibility

Our services are intended for adults aged 18 and older who are approaching or have reached Medicare eligibility age (generally 65). By using our services, you represent that you are at least 18 years of age.

Our licensed agents are authorized to discuss Medicare plans only in the states where they hold an active insurance license. By booking a consultation, you represent that you reside in a state where we are licensed to conduct business.

5. Your Information & Consent to Contact

By submitting your contact information through our website or a linked lead form, you consent to be contacted by LiveWise Insurance Services and/or Dennis Gibbs, a licensed insurance agent, regarding Medicare plan options. This contact may occur via phone call (including automated or prerecorded calls), SMS/text message (including automated texts), and email.

You may opt out of future communications at any time by replying STOP to any text message, clicking unsubscribe in any email, or contacting us directly to request removal from our contact list.

You represent that the contact information you provide is accurate and that you are authorized to receive communications at the phone number and email address provided.

Please review our Privacy Policy for full details on how we collect, use, and protect your information.

6. No Guarantee of Coverage or Enrollment

A consultation with LiveWise Insurance Services does not guarantee enrollment in any Medicare plan. Enrollment is subject to plan availability in your area, eligibility requirements set by the carrier and CMS, enrollment period rules, and your individual health and coverage circumstances.

We make no representations or warranties regarding the continued availability of any specific plan, carrier network, benefit structure, or premium amount. Plan benefits and costs are established by insurance carriers and CMS and may change from year to year.

7. Website Use & Prohibited Conduct

You agree to use our website only for lawful purposes and in a manner consistent with these Terms. You agree not to:

• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any part of our website or systems
• Use our website to transmit spam, malware, or harmful content
• Scrape, copy, or reproduce our website content without written permission
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with or disrupt the operation of our website

We reserve the right to terminate or restrict your access to our website if we determine, in our sole discretion, that you have violated these Terms.

8. Intellectual Property

All content on this website — including text, graphics, logos, images, and the overall design — is the property of LiveWise Insurance Services or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws.

You may view, print, and download content from our website for your personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works from our content without our prior written consent.

9. Third-Party Links & Services

Our website may contain links to third-party websites, including Medicare.gov, insurance carrier websites, and social media platforms. These links are provided for your convenience and do not constitute an endorsement of those sites or their content.

We have no control over third-party websites and are not responsible for their content, privacy practices, or terms. Your use of third-party sites is at your own risk and governed by their respective terms and policies.

We use third-party service providers to operate our website and manage communications (including CRM and scheduling platforms). These providers are bound by data processing agreements and may not use your information for purposes other than providing services to us.

10. Disclaimers of Warranties

Our website and services are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on our website. Medicare plan information changes frequently and should be verified directly with the carrier or at Medicare.gov before making enrollment decisions.

11. Limitation of Liability

To the fullest extent permitted by applicable law, LiveWise Insurance Services, its agents, officers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, our website or services — including but not limited to loss of data, loss of revenue, or coverage gaps resulting from missed enrollment periods.

Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the amount of any fees paid by you to us in the twelve months preceding the claim. Because our consultation services are free to you, this means our liability is limited to the maximum extent permitted by law.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless LiveWise Insurance Services and its agents, officers, employees, and representatives from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of our website or services, your violation of these Terms, or your submission of false or misleading information.

13. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or your use of our services that cannot be resolved informally shall be submitted to binding arbitration in California under the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction where necessary to protect its interests.

By agreeing to these Terms, you waive your right to a jury trial and your right to participate in a class action lawsuit with respect to any dispute covered by this section.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last updated" date at the top of this page. Your continued use of our website or services after any changes constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

15. Contact Us

If you have questions about these Terms, please contact us:

• Business: LiveWise Insurance Services
• Agent: Dennis Gibbs, Licensed Insurance Agent
• CA License: #4255966  ·  CA Corp License: #6015092
• Email: info@livewiseinsurance.com
• Phone: (213) 720-2323
• Mailing address: 631 W. Sycamore Ave, El Segundo, CA 90245