Terms and Conditions

Welcome to www.lookingformedicare.com (the "Website"), operated by C & K Healthcare Advisors ("we," "us," or "our"). By accessing or using our Website, you agree to be bound by these Terms and Conditions ("Terms"). Please read these Terms carefully before using our Website.

These Terms govern your access to and use of the Website, including any content, functionality, and services offered on or through the Website. If you do not agree to these Terms, you must not access or use our Website.

Acceptance of Terms

By using this Website, you represent that you are at least 18 years of age and capable of forming a binding contract with C & K Healthcare Advisors. If you are using the Website on behalf of an organization or entity, you represent and warrant that you have the authority to bind that organization or entity to these Terms.

Changes to Terms

We reserve the right to modify these Terms at any time. All changes are effective immediately when posted and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes.

Medicare Information Disclaimer

Not Official Medicare Communication

C & K Healthcare Advisors is not connected with or endorsed by the United States government or the federal Medicare program. This Website is not an official source of Medicare information. For official Medicare information, please visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Plan Availability

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 1-800-MEDICARE to get information on all of your options.

Licensed Insurance Agents

By contacting us through this Website, you may be speaking with a licensed insurance agent who may sell Medicare plans on behalf of contracted insurance companies.

Informational Purpose

The content on this Website is for informational purposes only. Nothing on this Website should ever be used as a substitute for professional medical advice. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.

Website Use and Conduct

Permitted Use

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

•In any way that violates any applicable federal, state, local, or international law or regulation

•To transmit, or procure the sending of, any advertising or promotional material without our prior written consent

•To impersonate or attempt to impersonate C & K Healthcare Advisors, a C & K Healthcare Advisors employee, another user, or any other person or entity

•To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website

Prohibited Activities

You agree not to:

•Use the Website in any manner that could disable, overburden, damage, or impair the site

•Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose

•Use any manual process to monitor or copy any of the material on the Website

•Use any device, software, or routine that interferes with the proper working of the Website

•Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful

•Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website

•Attack the Website via a denial-of-service attack or a distributed denial-of-service attack

Intellectual Property Rights

Ownership

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by C & K Healthcare Advisors, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Limited License

These Terms permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:

•Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials

•You may store files that are automatically cached by your Web browser for display enhancement purposes

•You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution

Trademarks

The C & K Healthcare Advisors name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of C & K Healthcare Advisors or its affiliates or licensors. You must not use such marks without the prior written permission of C & K Healthcare Advisors. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

User Information and Privacy

Personal Information

All personal information that you provide to us through the Website is governed by our Privacy Policy. By using the Website, you consent to all actions we take with respect to your information consistent with our Privacy Policy.

Accuracy of Information

You are responsible for ensuring that all information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

Links from the Website

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

Disclaimer of Warranties

"As Is" and "As Available" Basis

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.

TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER C & K HEALTHCARE ADVISORS NOR ANY PERSON ASSOCIATED WITH C & K HEALTHCARE ADVISORS MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE.

Disclaimer of Warranties

TO THE FULLEST EXTENT PROVIDED BY LAW, C & K HEALTHCARE ADVISORS HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation of Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL C & K HEALTHCARE ADVISORS, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify, and hold harmless C & K Healthcare Advisors, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, any use of the Website's content, services, and products other than as expressly authorized in these Terms.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the internal laws of the State of [Your State] without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Pennsylvania, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Arbitration

At our sole discretion, we may require you to submit any disputes arising from these Terms or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Pennsylvania law.

Waiver and Severability

No waiver by C & K Healthcare Advisors of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of C & K Healthcare Advisors to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

Entire Agreement

The Terms constitute the sole and entire agreement between you and C & K Healthcare Advisors regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

These Terms are effective as of June, 2025.