Last Updated: [DATE]

You & Me (“Company,” “we,” “us,” or “our”) is an insurance agency operating in the United States.

Legal Business Name: [INSERT LEGAL BUSINESS NAME]
Business Address: [INSERT BUSINESS ADDRESS]
City, State, ZIP: [INSERT CITY, STATE, ZIP CODE]
Website: [INSERT WEBSITE URL]
Phone: [INSERT PHONE NUMBER]
Email: [INSERT EMAIL ADDRESS]

Agreement to Terms

These Terms and Conditions govern your access to and use of the You & Me website, forms, communications, content, and related services (collectively, the “Services”).

By accessing or using our Services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

If you do not agree with these Terms, you should discontinue use of the Services.

1. Our Services

You & Me provides insurance-related information and assistance regarding products that may include:

Medicare Advantage (Part C)

Medicare Supplement Insurance (Medigap)

Medicare Prescription Drug Plans (Part D)

ACA Marketplace health insurance plans

Stand-alone dental, vision, and hearing plans

Hospital indemnity plans

Cancer, stroke, and heart attack coverage

Other insurance products or services that may become available

Information provided through our website is intended for general informational and educational purposes.

Nothing on this website constitutes medical, legal, tax, financial, or other professional advice.

Use of the website does not create an insurance contract, guarantee coverage, establish eligibility, or automatically enroll a consumer in an insurance plan.

Insurance products are subject to applicable carrier requirements, eligibility rules, plan availability, service areas, enrollment periods, federal and state regulations, and the terms and conditions of the applicable insurance policy or plan.

Coverage, benefits, premiums, cost-sharing, provider networks, formularies, and plan availability may vary.

Medicare Information

Medicare-related information provided through our Services is intended for general educational and informational purposes.

Plan availability, benefits, premiums, provider networks, prescription drug coverage, and eligibility may vary by plan and service area.

Enrollment in a Medicare plan is subject to applicable Medicare rules, eligibility requirements, enrollment periods, carrier requirements, and plan availability.

Nothing on this website should be interpreted as a guarantee of Medicare eligibility, enrollment, benefits, savings, or plan availability.

ACA Marketplace Information

Information regarding ACA Marketplace health insurance plans is provided for general informational purposes.

Eligibility for Marketplace coverage, premium tax credits, cost-sharing reductions, or other financial assistance depends on applicable federal or state requirements and the information provided through the Marketplace.

Submitting information through our website does not guarantee eligibility for coverage or financial assistance.

2. Eligibility

You must be at least 18 years old and have the legal capacity to use our Services and enter into these Terms.

By using the Services, you represent that the information you provide is accurate to the best of your knowledge and that your use of the Services complies with applicable laws.

3. Licensing and Service Area

Insurance products and services are offered only in jurisdictions where You & Me, its agents, representatives, or applicable insurance carriers are properly licensed and authorized to conduct business.

Product availability may vary based on:

State

County

Service area

Insurance carrier

Individual eligibility

Applicable laws and regulations

Nothing on this website should be interpreted as an offer to sell insurance in a jurisdiction where such activity would be prohibited.

4. Insurance Requests and Enrollment

Submitting a form, requesting information, speaking with an agent, scheduling an appointment, or otherwise interacting with You & Me does not automatically:

Enroll you in an insurance plan

Guarantee eligibility

Guarantee acceptance

Guarantee a specific premium

Guarantee specific benefits

Guarantee financial assistance

Guarantee provider participation

Guarantee prescription drug coverage

Create an insurance contract

Any insurance enrollment is subject to applicable carrier requirements, eligibility rules, enrollment periods, plan availability, service areas, and federal or state laws.

Insurance coverage does not become effective unless and until all applicable enrollment requirements have been satisfied and the applicable insurance carrier, Marketplace, or other authorized entity confirms coverage.

Consumers should review applicable plan documents, eligibility requirements, premiums, benefits, provider networks, prescription drug formularies, cost-sharing requirements, and other relevant information before making an enrollment or coverage decision.

5. Official Plan and Regulatory Information

Information provided on this website is general in nature.

If there is any conflict or discrepancy between information presented on this website and applicable official documents or regulatory requirements, the official documents and requirements will control.

Official information may include:

Insurance policy documents

Evidence of Coverage

Summary of Benefits

Insurance carrier materials

Medicare and CMS materials

Marketplace information

Formularies

Provider directories

Enrollment documents

Applicable federal or state laws

Regulatory guidance

Users should review applicable official plan documents before making enrollment or coverage decisions.

6. Errors, Inaccuracies, and Updates

We make reasonable efforts to provide accurate and current information.

However, insurance products, carrier requirements, plan availability, and regulations may change. Website content may occasionally contain errors, omissions, outdated information, or inaccuracies.

Information that may change includes:

Benefits

Premiums

Deductibles

Copayments

Coinsurance

Provider networks

Formularies

Plan availability

Service areas

Eligibility requirements

Enrollment periods

Carrier information

Regulatory requirements

We reserve the right to correct errors, update information, modify website content, or remove content at any time without prior notice.

We do not guarantee that all website information will always be current, complete, or error-free.

7. Intellectual Property

Unless otherwise stated, website content, including text, graphics, logos, images, videos, website design, documents, branding, software, and other materials, is owned, licensed, or lawfully used by You & Me and is protected by applicable intellectual property laws.

You are granted a limited, revocable, non-exclusive, and non-transferable right to access and use the website for personal and lawful purposes.

You may not reproduce, distribute, modify, copy, publish, sell, license, scrape, or commercially exploit website content without prior written authorization.

8. Acceptable Use

You agree not to:

Use the Services for unlawful, fraudulent, or deceptive purposes

Submit false, misleading, or fraudulent information

Attempt to gain unauthorized access to our systems or data

Introduce viruses, malicious code, or other harmful technologies

Use bots, scrapers, automated tools, or data extraction technologies without authorization

Interfere with the operation or security of the website

Submit sensitive personal information through unsecured channels

Use our Services in violation of applicable insurance, privacy, marketing, or telecommunications laws

Use our branding or content without authorization

We reserve the right to restrict, suspend, or terminate access to the Services where reasonably necessary to protect the website, consumers, the Company, or comply with applicable law.

9. User Submissions

You may submit information through:

Contact forms

Insurance information request forms

Agent opportunity forms

Email

SMS or text messages

Other communication channels

You are responsible for ensuring that information you provide is accurate, lawful, and appropriate.

You should not submit confidential or highly sensitive information through unsecured website forms, email, or SMS unless specifically instructed to do so through an approved secure method.

By submitting information, you authorize You & Me to use that information as reasonably necessary to respond to your inquiry, provide requested assistance, operate our business, and comply with applicable legal or regulatory obligations.

This does not give You & Me ownership of your personal information.

Personal information is collected and handled in accordance with our Privacy Policy.

10. Communications

By providing your contact information and any required consent, you may agree to receive communications from You & Me and its authorized or licensed representatives through:

Phone calls

Email

Text messages

Other communication methods you authorize

Communications may relate to:

Your insurance inquiry

Requested information

Coverage options

Appointment scheduling

Enrollment assistance

Customer service

Agent opportunities

Other communications you request or authorize

SMS Communications

Where applicable, by providing your mobile phone number and the required consent, you may agree to receive text messages from You & Me.

Messages may be sent using manual or automated technology where permitted by applicable law.

Message frequency may vary.

Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing any product or service.

You may opt out of text messages at any time by replying STOP.

You may reply HELP for assistance or contact us using the information provided on our website.

You & Me does not share SMS consent or phone numbers collected specifically for SMS purposes with third parties or affiliates for their independent marketing purposes.

Any additional consent language required for a specific form or communication will be presented at the time consent is requested.

11. Privacy

Your use of our Services is also subject to our Privacy Policy.

Privacy Policy: [INSERT PRIVACY POLICY URL]

Please review the Privacy Policy to understand how You & Me collects, uses, discloses, and safeguards personal information and the privacy rights that may apply to you.

12. Third-Party Services and Links

Our website may contain links to websites, platforms, insurance carriers, government websites, or other services operated by third parties.

You & Me does not control third-party websites and is not responsible for their:

Content

Privacy practices

Security

Accuracy

Availability

Terms and conditions

Accessing a third-party website or service is at your discretion and is subject to that third party’s applicable terms and privacy policies.

13. Service Availability

We strive to keep our website and Services available and functioning properly.

However, we do not guarantee that the Services will always be:

Available

Uninterrupted

Secure

Error-free

Free from technical issues

We may modify, suspend, restrict, update, or discontinue any part of the Services when reasonably necessary.

14. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the website and Services are provided on an “as is” and “as available” basis.

You & Me does not guarantee that:

Website information will always be complete, current, or error-free

Any particular insurance product will be available

You will qualify for a particular insurance plan

You will qualify for financial assistance

A specific healthcare provider or pharmacy will participate in a plan network

A specific prescription drug, service, or benefit will be covered

Insurance premiums, benefits, networks, or other costs will remain unchanged

The Services will meet every user's individual needs

Applicable insurance policy documents, carrier information, official government sources, and plan terms control in the event of any discrepancy.

15. Limitation of Liability

To the fullest extent permitted by applicable law, You & Me, its owners, employees, agents, representatives, contractors, and affiliates will not be liable for indirect, incidental, special, punitive, exemplary, or consequential damages arising from or relating to:

Your use or inability to use the Services

Reliance solely on general website information

Third-party websites or services

Technical interruptions

Unauthorized access beyond our reasonable control

Decisions made based solely on website content

Changes in insurance products, regulations, carrier requirements, benefits, or plan availability

Nothing in these Terms limits or excludes liability where such limitation or exclusion is prohibited by applicable law.

16. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless You & Me, its owners, employees, representatives, agents, contractors, and affiliates from claims, liabilities, damages, losses, or expenses arising from:

Your misuse of the Services

Your violation of these Terms

Your violation of applicable law

False, misleading, fraudulent, or unlawful information submitted by you

Your infringement of the rights of another person or entity

17. Suspension or Termination of Access

We may restrict, suspend, or terminate your access to the Services where reasonably necessary if:

You violate these Terms

You misuse the website or Services

Your activity creates a security, regulatory, or legal risk

We are required to do so by applicable law

Termination or restriction of access does not affect provisions of these Terms that by their nature should continue to apply.

18. Governing Law

These Terms are governed by the applicable laws of:

State: [INSERT STATE OF LEGAL REGISTRATION]

without regard to conflict-of-law principles, except where applicable federal law controls.

Any dispute regarding these Terms will be handled in accordance with applicable federal and state law.

19. Force Majeure

To the extent permitted by applicable law, You & Me is not responsible for delays, interruptions, or failures caused by circumstances reasonably beyond our control, including:

Natural disasters

Severe weather

Power or internet outages

Cybersecurity incidents beyond our reasonable control

Government actions

Public health emergencies

Labor disruptions

Telecommunications failures

Other events reasonably beyond our control

20. Electronic Communications

By using our website, submitting electronic forms, or communicating with us electronically, you consent to electronic communications where permitted by applicable law.

Electronic communications, notices, disclosures, and agreements may satisfy applicable legal requirements that communications be provided in writing where permitted by law.

21. Changes to These Terms

We may update these Terms periodically to reflect:

Changes to our Services

Changes in legal or regulatory requirements

Changes to our business practices

Technology or security updates

When these Terms are updated, the “Last Updated” date at the top of this page will be revised.

Your continued use of the Services after revised Terms become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.

22. Contact Us

If you have questions regarding these Terms and Conditions, please contact:

You & Me
Legal Business Name: [INSERT LEGAL BUSINESS NAME]
Address: [INSERT BUSINESS ADDRESS]
City, State, ZIP: [INSERT CITY, STATE, ZIP CODE]
United States
Phone: [INSERT PHONE NUMBER]
Email: [INSERT EMAIL ADDRESS]