Terms of Service

Agreement to Terms

These Terms of Service (“Terms”) govern your use of the Ultimate Senior Brokers LLC (“we,” “our,” or “us”) website and services. By accessing or using our services, you agree to be bound by these Terms.

If you disagree with any part of these terms, you may not access our services.

About Our Services

Ultimate Senior Brokers LLC provides consulting services, digital assets, and educational content to licensed professionals in the Medicare insurance space. Our services include:

• Consulting Services: Professional guidance and operational support
• Digital Assets: Guides, templates, and training materials
• Educational Content: Subscription-based training and resources
• Technology Access: Proprietary software tools and platforms

Payment and Billing

We use Stripe exclusively for processing payments related to:

• Consulting service fees
• Digital asset purchases
• Subscription-based educational content
• Technology access fees

We do not use Stripe for:

• Insurance policy sales
• Carrier commission processing
• Any insurance-related transactions

All payments are processed securely through Stripe's platform. By making a purchase, you authorize us to charge your payment method for the specified amount.

User Accounts and Registration

To access certain services, you may be required to create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information
• Updating your information as necessary

You must be at least 18 years old to create an account and use our services.

Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use our services for any illegal or unauthorized purpose
• Violate any applicable laws or regulations
• Infringe on the rights of others
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Share your account credentials with others
• Reverse engineer or attempt to extract source code

Intellectual Property

Our services, including all content, software, and materials, are owned by Ultimate Senior Brokers LLC and are protected by intellectual property laws. You may not:

• Copy, reproduce, or distribute our content without permission
• Modify or create derivative works
• Remove or alter copyright notices
• Use our content for commercial purposes without authorization

You retain ownership of any content you submit to us, but grant us a license to use it in providing our services.

Disclaimers and Limitations

No Guarantees: Our services are provided “as is” without warranties of any kind. We do not guarantee:

• Specific financial outcomes or earnings
• Success in Medicare sales or any business venture
• Compliance with all applicable laws and regulations
• Uninterrupted or error-free service

Limitation of Liability: To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

Professional Responsibility: You are responsible for ensuring compliance with all applicable laws, regulations, and licensing requirements in your jurisdiction.

Compliance and Regulatory Notice

Our services are designed to support licensed insurance professionals, but we do not:

• Provide legal or compliance advice
• Guarantee regulatory compliance
• Act as a legal representative
• Assume responsibility for your business decisions

You are responsible for consulting with appropriate legal and compliance professionals to ensure your business operations comply with all applicable laws and regulations.

Subscription and Cancellation

For subscription-based services:

• Subscriptions automatically renew unless cancelled
• You may cancel at any time through your account settings
• Cancellation takes effect at the end of the current billing period
• No refunds are provided for partial billing periods

We reserve the right to modify subscription terms with 30 days' notice.

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Termination

We may terminate or suspend your access to our services immediately, without prior notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• At our sole discretion

Upon termination, your right to use our services ceases immediately.

Governing Law and Disputes

These Terms are governed by the laws of the state where Ultimate Senior Brokers LLC is incorporated. Any disputes arising from these Terms or our services shall be resolved through:

• Good faith negotiation between parties
• Mediation, if necessary
• Binding arbitration in accordance with applicable rules

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on our website and updating the “Last updated” date. Your continued use of our services after such changes constitutes acceptance of the updated Terms.

Contact Information

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