Terms of Service

By visiting this website, submitting a contact form, scheduling a consultation, or otherwise engaging with the services offered, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, as well as the Privacy Policy, which is incorporated herein by reference.

These Terms constitute a legally binding agreement between you and Yoli Fuentes-Smith. Your continued use of this website following any posted changes to these Terms constitutes your acceptance of those changes.

This website is operated by Yoli Fuentes-Smith, an independent, licensed Medicare insurance specialist. The services offered through this website include:

• Medicare educational consultations and informational guidance
• Assistance reviewing and comparing Medicare Advantage Plans
• Assistance reviewing and comparing Medicare Supplement (Medigap) Plans
• Assistance reviewing and comparing Prescription Drug Plans (Part D)
• Medicare enrollment guidance and support
• Retirement insurance education
• Bilingual Medicare support in English and Spanish

All services are provided as an independent licensed insurance agent. Yoli Fuentes-Smith is not affiliated with or employed by Medicare, the federal government, or any specific insurance carrier.

The information provided on this website and during consultations is for general educational and informational purposes only. It does not constitute legal, medical, financial, or tax advice.

Nothing on this website should be interpreted as:

• A guarantee of coverage, benefits, or plan availability
• Legal advice regarding your Medicare rights or eligibility disputes
• Medical advice regarding your health conditions or treatment options
• Financial planning or investment advice
• Tax guidance related to insurance premiums or benefits

You are encouraged to consult with a licensed attorney, physician, certified financial planner, or tax professional for advice specific to your individual situation.

This website and its services are intended for adults who are approaching or have reached Medicare eligibility age (generally 65 or older), individuals with qualifying disabilities, or their adult family members and authorized caregivers acting on their behalf.

By using this website, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into a binding agreement
• You are a resident of the United States
• Any information you provide is accurate, current, and complete to the best of your knowledge

If you are acting on behalf of another person (such as a family member), you represent that you have the authority to do so and that the information you provide accurately reflects that person's situation.

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:

• Use this website in any way that violates any applicable federal, state, or local law or regulation
• Submit false, misleading, or fraudulent information through any form on this website
• Attempt to gain unauthorized access to any part of this website or its related systems
• Transmit any harmful, offensive, or disruptive content
• Use automated tools, bots, or scrapers to access or collect information from this website
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Interfere with or disrupt the integrity or performance of this website
• Use this website to solicit or advertise any products or services without prior written consent

Violation of these acceptable use provisions may result in termination of your access to services and, where applicable, referral to appropriate legal authorities.

All content on this website — including but not limited to text, images, graphics, logos, icons, and the overall design — is the property of Yoli Fuentes-Smith and is protected by applicable copyright, trademark, and intellectual property laws.

You May

• View and print pages from this website for your personal, non-commercial use
• Share links to pages on this website

You May Not

• Copy, reproduce, distribute, or republish any content without prior written permission
• Modify or create derivative works based on content from this website
• Use any content for commercial purposes without express written consent
• Remove any copyright, trademark, or proprietary notices

Requests for permission to use content may be submitted by contacting me directly at [email protected].

I make every reasonable effort to ensure that the information on this website is accurate, current, and helpful. However, Medicare plans, premiums, coverage details, enrollment rules, and regulations change regularly — often annually during the Medicare Annual Enrollment Period (AEP).

I do not warrant that the content on this website is:

• Always complete, accurate, or up to date
• Free from errors or omissions
• Applicable to your specific personal situation or geographic location

This website may contain links to third-party websites, including Medicare.gov, insurance carrier websites, or other informational resources. These links are provided solely for your convenience and informational purposes.

I do not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any third-party websites. Accessing third-party websites through links on this site is done entirely at your own risk.

The inclusion of any link does not imply my recommendation or endorsement of the linked site or any products or services offered through it.

This website and all content, information, and services provided through it are offered on an “as is” and “as available” basis, without any warranties of any kind, either express or implied.

To the fullest extent permitted by applicable law, Yoli Fuentes-Smith expressly disclaims all warranties, including but not limited to:

• Implied warranties of merchantability or fitness for a particular purpose
• Warranties that the website will be uninterrupted, error-free, or free of viruses or other harmful components
• Warranties regarding the accuracy, completeness, or reliability of any content or information
• Warranties that consultations will result in any particular Medicare plan enrollment or outcome

To the fullest extent permitted by applicable law, Yoli Fuentes-Smith shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use of or inability to use this website
• Any reliance on information provided on this website or during a consultation
• Any errors or omissions in content on this website
• Any Medicare plan decisions made based on consultations or information provided
• Unauthorized access to or alteration of your information
• Any interruption, suspension, or termination of this website or services

In no event shall the total liability of Yoli Fuentes-Smith to you for any claims arising out of or relating to these Terms or your use of this website exceed the amount you paid, if any, for services received.

You agree to indemnify, defend, and hold harmless Yoli Fuentes-Smith from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of this website or services
• Your violation of these Terms of Service
• Your violation of any applicable law or regulation
• Any false or misleading information you provide through this website
• Your infringement of any third-party rights

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

Any disputes arising out of or relating to these Terms or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Georgia. By using this website, you consent to the personal jurisdiction of such courts.

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall continue in full force and effect.

I reserve the right to update, modify, or replace these Terms of Service at any time at my sole discretion. When changes are made, I will update the “Last Updated” date at the top of this page.

It is your responsibility to review these Terms periodically. Your continued use of this website after any changes are posted constitutes your acceptance of the revised Terms.