Terms of Use

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Use and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use the website. If you are using this website on behalf of an organization, you represent and warrant that you are authorized to do so.

2. Description of Services

The Senior Health Stop is a licensed insurance agency providing Medicare advisory services, Medicare plan enrollment assistance, and related senior health and life insurance services. Our services include, but are not limited to:

• Medicare Advantage and Medicare Supplement (Medigap) plan comparisons
• Medicare Part D prescription drug plan guidance
• Senior life insurance, disability insurance, and supplemental coverage
• Cancer, heart attack, and stroke insurance guidance
• Umbrella coverage consultation
• Free educational webinars and in-person consultations

Our services are provided at no cost to consumers. We are compensated by insurance carriers when a plan is enrolled in. This compensation does not affect the objectivity of our guidance, as we are dedicated to finding the best fit for your specific needs, doctors, and prescriptions. We are licensed independent agents and brokers in the state of New Jersey.

3. Not a Solicitation for All Plans

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE to get information on all of your options. Medicare has neither endorsed nor reviewed this information. We are not connected with or affiliated with any United States Government or State agency.

4. Intellectual Property

The content on this website — including text, graphics, logos, images, audio clips, and software — is the property of The Senior Health Stop or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from this site without our prior written permission.

5. User Conduct

You agree not to:

• Use the website in any way that violates any applicable federal, state, or local laws or regulations
• Use the website for any fraudulent or unauthorized purpose
• Attempt to gain unauthorized access to any portion of the website or its related systems
• Transmit any spam, unsolicited communications, or harmful code
• Collect or harvest personal information from other users of this website
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

6. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. The Senior Health Stop does not warrant that the website will be uninterrupted or error-free, that defects will be corrected, or that the site or server that makes it available are free of viruses or other harmful components. We make no warranties regarding the accuracy, completeness, or reliability of any content on this site.

Insurance plan information, benefits, costs, and availability are subject to change. Always verify plan details directly with the insurance carrier or contact us for the most current information.

7. Limitation of Liability

To the fullest extent permitted by applicable law, The Senior Health Stop shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of this website or the services described herein. Our total liability to you for any claims arising from your use of this website shall not exceed the amount paid by you to us in the six months prior to the claim, or $100, whichever is less.

8. Third-Party Links

Our website may contain links to third-party websites, including Medicare.gov, insurance carrier portals, and social media platforms. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of any link does not imply our endorsement of that site.

9. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review our Privacy Policy to understand our practices regarding your personal information.

10. Governing Law

These Terms of Use and any dispute arising from your use of this website shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Gloucester County, New Jersey.

11. No Medical or Financial Advice

The information provided on this website is for educational and informational purposes only and does not constitute medical, financial, or legal advice. You should consult with a qualified professional before making any decisions related to your healthcare or financial planning. The Senior Health Stop is not a medical provider or a financial planning firm.

12. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. We will notify you of significant changes by updating the "Last Updated" date at the top of this page. Your continued use of the website after any changes constitutes your acceptance of the new Terms. We encourage you to review this page periodically.

13. Contact Us

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