Terms of Service

1. About SmarterSenior

SmarterSenior is a free online matching service that connects seniors and their families with licensed professionals in the following areas:

• Medicare Supplement insurance
• Final Expense insurance
• Life Insurance
• Home Care services
• Long-Term Care insurance
• Medical Alert systems
• Hearing Aids
• Bathroom Safety products and services

2. How the Service Works

When you submit a request through our Site, you provide us with information about your needs. We share that information with one or more of our licensed matching partners who may be able to help you. A licensed professional may then contact you by phone or email to discuss your options.

Our Service is provided at no cost to you. We are compensated by our matching partners when we facilitate a connection.

You are under no obligation to accept any offer or purchase any product or service from any professional we connect you with.

3. Eligibility

By using our Site, you represent and warrant that:

• You are at least 18 years of age.
• You are a resident of the United States.
• The information you provide is accurate and complete to the best of your knowledge.
• You have the legal capacity to enter into these Terms.

4. User Responsibilities

When using our Site and Service, you agree to:

• Provide truthful, accurate, and complete information in any form or request you submit.
• Not submit requests on behalf of another person without their express consent.
• Not use the Site for any unlawful purpose or in violation of any applicable regulation.
• Not attempt to disrupt, damage, or gain unauthorized access to our systems.
• Not submit false, misleading, or fraudulent information.

By submitting a request, you consent to being contacted by telephone (including by automated dialing systems where permitted by law) and email by SmarterSenior and our matching partners regarding the service you requested.

5. Disclaimer of Warranties

THE SITE AND SERVICE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We do not warrant that:

• The Service will meet your specific needs or expectations.
• The professionals we connect you with will offer products or pricing that suit you.
• The Site will be uninterrupted, error-free, or free of viruses or harmful components.
• Any particular matching partner will be available in your area.

SmarterSenior does not endorse, guarantee, or assume responsibility for the quality, accuracy, or suitability of any product or service offered by our matching partners.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SMARTERSENIOR AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICE.

In no event shall our total liability to you for all claims arising out of or related to the Service exceed one hundred dollars ($100.00). This limitation applies regardless of whether the liability is based on contract, tort, negligence, strict liability, or any other theory, even if we have been advised of the possibility of such damages.

7. Indemnification

You agree to indemnify, defend, and hold harmless SmarterSenior and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any applicable law or the rights of any third party.

8. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, images, and software, is the property of SmarterSenior or its content suppliers and is protected by applicable United States and international intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on the Site without our express written permission.

9. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it carefully to understand our practices regarding your personal information.

10. Third-Party Links and Services

Our Site may contain links to third-party websites or services. These links are provided for your convenience only. SmarterSenior does not endorse and is not responsible for the content, privacy practices, or availability of those websites. Your access to and use of any third-party website is at your own risk.

11. Modifications to the Service and Terms

We reserve the right to modify or discontinue the Service at any time without notice. We may also update these Terms at any time by posting a revised version on this page. Your continued use of the Site after any such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding individual arbitration conducted under the rules of the American Arbitration Association (AAA), rather than in court. You and SmarterSenior each waive the right to a jury trial and the right to participate in any class action or class-wide arbitration.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.