Terms of Use
These Terms of Use (“Terms”) are a legal agreement between you (“you” or “your”) and The Advocate Group (“The Advocate Group,” “we,” “us,” or “our”) that govern your access to and use of advocategroupmo.com (the “Site”) and any related services, communications, and content we provide (collectively, the “Services”).
PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE SITE OR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SITE OR SERVICES.
About Us
The Advocate Group is an independent Medicare and health insurance advisory practice based in Springfield, Missouri. We help individuals understand and select Medicare Advantage, Medicare Supplement, Medicare Part D, individual and family health insurance, dental, vision, life, final expense, long-term care, short-term care, cancer, and critical illness coverage. We are licensed insurance professionals operating in Missouri, Tennessee, Mississippi, Arkansas, Kansas, and Oklahoma.
Important Medicare and Insurance Disclosures
We do not offer every plan available in your area. Any information we provide is limited to the plans we offer in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
The Advocate Group is not connected with or endorsed by the United States Government or the federal Medicare program. Submitting your information through this Site or otherwise contacting us will direct you to a licensed insurance agent or producer.
We are licensed in the states identified above. Coverage availability, premiums, and benefits vary by state, county, ZIP code, and individual circumstances. No information on this Site constitutes a binding offer of insurance, a guarantee of coverage, or confirmation of eligibility. Final eligibility, premiums, and benefits are determined solely by the issuing insurance carrier in accordance with the terms of the policy and applicable law.
Not Legal, Tax, or Financial Advice
The content on the Site is for general informational and educational purposes only. It is not legal, tax, accounting, financial, medical, or investment advice. You should consult appropriately qualified professionals before making decisions that may affect your health coverage, finances, taxes, or legal rights.
Eligibility
By using the Site or Services, you represent that you (a) are at least 18 years old, (b) reside in the United States, and (c) have the legal capacity to enter into these Terms. If you are using the Site on behalf of a parent, spouse, or other person, you represent that you have authority to do so.
Consultation Requests and Communications
When you submit a contact form, request a consultation, or otherwise reach out, you agree that The Advocate Group may contact you using the information you provide, including by telephone (including pre-recorded and autodialed calls), text/SMS message, email, and mail, regarding Medicare and other insurance products and services. Standard message and data rates may apply. You may opt out at any time by replying STOP to text messages, clicking unsubscribe in emails, or contacting us using the information in Section 16. Your consent to be contacted is not a condition of purchase. See our Privacy Policy for additional details.
No Binding Offer or Insurance Contract
Nothing on the Site constitutes an offer to sell or solicitation to buy insurance in any jurisdiction in which we are not licensed. Quotes, plan summaries, and educational materials are estimates and summaries only. The actual terms, premiums, exclusions, and conditions of any insurance policy are set forth solely in the policy issued by the insurance carrier and the Evidence of Coverage, Summary of Benefits, or equivalent document.
Intellectual Property
All content on the Site — including text, graphics, logos, images, photographs, audio, video, and software — is owned by or licensed to The Advocate Group and is protected by U.S. and international copyright, trademark, and other intellectual property laws. “The Advocate Group,” our logo, and related names and marks are trademarks of The Advocate Group. You may view, download, and print Site content for personal, non-commercial use only. You may not reproduce, modify, distribute, sell, or create derivative works without our prior written consent.
Acceptable Use
You agree not to:
We reserve the right to investigate violations and take appropriate action, including reporting to law enforcement.
Third-Party Links, Tools, and Content
The Site may include links to third-party sites, tools, and content (including Medicare.gov, carrier websites, and educational publishers). We do not control and are not responsible for the availability, accuracy, content, or practices of any third party. Your use of third-party sites is at your own risk and subject to their terms and privacy policies.
Disclaimers
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS. WE MAKE NO WARRANTY THAT ANY PARTICULAR PLAN OR CARRIER WILL BE AVAILABLE OR APPROPRIATE FOR YOUR CIRCUMSTANCES.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE ADVOCATE GROUP, ITS OWNERS, AGENTS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM (WHICH IS GENERALLY $0 BECAUSE OUR ADVISORY SERVICES ARE PROVIDED AT NO CHARGE TO CONSUMERS) OR (B) ONE HUNDRED DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO PORTIONS OF THIS SECTION MAY NOT APPLY TO YOU.
Indemnification
You agree to indemnify, defend, and hold harmless The Advocate Group and its owners, agents, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Site or Services, (b) your violation of these Terms, (c) your violation of any law or third-party right, or (d) any information you submit to us that is false, inaccurate, or fraudulent.
Termination
We may suspend or terminate your access to the Site or Services at any time, with or without notice, for any reason, including violation of these Terms. Sections that by their nature should survive termination — including disclaimers, limitation of liability, indemnification, and governing law — will survive.
Governing Law and Venue
These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Site that is not subject to arbitration will be brought exclusively in the state or federal courts located in Greene County, Missouri, and you consent to the personal jurisdiction of those courts. If any consumer-protection or insurance regulation in your state of residence provides additional protections, those will apply to the extent required by law.
Changes to These Terms
We may update these Terms from time to time. The “Last Updated” date reflects the most recent revision. Material changes will be communicated through the Site or other reasonable means. Your continued use of the Site or Services after changes take effect means you accept the revised Terms.
Contact Us
1650 E. Battlefield, Suite 130
Springfield, MO 65804
Phone: (417) 356-8345
Email: jd@advocategroupmo.com
Miscellaneous
These Terms, together with our Privacy Policy, constitute the entire agreement between you and The Advocate Group regarding the Site and Services and supersede all prior agreements. Our failure to enforce any provision is not a waiver. If any provision is found unenforceable, the remaining provisions remain in effect. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.
The Advocate Group is an independent Medicare and health insurance advisory practice based in Springfield, Missouri. We help individuals understand and select Medicare Advantage, Medicare Supplement, Medicare Part D, individual and family health insurance, dental, vision, life, final expense, long-term care, short-term care, cancer, and critical illness coverage. We are licensed insurance professionals operating in Missouri, Tennessee, Mississippi, Arkansas, Kansas, and Oklahoma.
Important Medicare and Insurance Disclosures
We do not offer every plan available in your area. Any information we provide is limited to the plans we offer in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
The Advocate Group is not connected with or endorsed by the United States Government or the federal Medicare program. Submitting your information through this Site or otherwise contacting us will direct you to a licensed insurance agent or producer.
We are licensed in the states identified above. Coverage availability, premiums, and benefits vary by state, county, ZIP code, and individual circumstances. No information on this Site constitutes a binding offer of insurance, a guarantee of coverage, or confirmation of eligibility. Final eligibility, premiums, and benefits are determined solely by the issuing insurance carrier in accordance with the terms of the policy and applicable law.
Not Legal, Tax, or Financial Advice
The content on the Site is for general informational and educational purposes only. It is not legal, tax, accounting, financial, medical, or investment advice. You should consult appropriately qualified professionals before making decisions that may affect your health coverage, finances, taxes, or legal rights.
Eligibility
By using the Site or Services, you represent that you (a) are at least 18 years old, (b) reside in the United States, and (c) have the legal capacity to enter into these Terms. If you are using the Site on behalf of a parent, spouse, or other person, you represent that you have authority to do so.
Consultation Requests and Communications
When you submit a contact form, request a consultation, or otherwise reach out, you agree that The Advocate Group may contact you using the information you provide, including by telephone (including pre-recorded and autodialed calls), text/SMS message, email, and mail, regarding Medicare and other insurance products and services. Standard message and data rates may apply. You may opt out at any time by replying STOP to text messages, clicking unsubscribe in emails, or contacting us using the information in Section 16. Your consent to be contacted is not a condition of purchase. See our Privacy Policy for additional details.
No Binding Offer or Insurance Contract
Nothing on the Site constitutes an offer to sell or solicitation to buy insurance in any jurisdiction in which we are not licensed. Quotes, plan summaries, and educational materials are estimates and summaries only. The actual terms, premiums, exclusions, and conditions of any insurance policy are set forth solely in the policy issued by the insurance carrier and the Evidence of Coverage, Summary of Benefits, or equivalent document.
Intellectual Property
All content on the Site — including text, graphics, logos, images, photographs, audio, video, and software — is owned by or licensed to The Advocate Group and is protected by U.S. and international copyright, trademark, and other intellectual property laws. “The Advocate Group,” our logo, and related names and marks are trademarks of The Advocate Group. You may view, download, and print Site content for personal, non-commercial use only. You may not reproduce, modify, distribute, sell, or create derivative works without our prior written consent.
Acceptable Use
You agree not to:
- Use the Site or Services in violation of any law or regulation
- Submit false, inaccurate, or fraudulent information
- Impersonate another person or misrepresent your relationship to a person
- Use the Site to harass, defame, or harm others
- Attempt to gain unauthorized access to any portion of the Site or its underlying systems
- Use any automated tool (including bots, scrapers, or spiders) to access or collect content from the Site without our prior written consent
- Interfere with or disrupt the Site or its servers
- Upload viruses, malware, or other harmful code
We reserve the right to investigate violations and take appropriate action, including reporting to law enforcement.
Third-Party Links, Tools, and Content
The Site may include links to third-party sites, tools, and content (including Medicare.gov, carrier websites, and educational publishers). We do not control and are not responsible for the availability, accuracy, content, or practices of any third party. Your use of third-party sites is at your own risk and subject to their terms and privacy policies.
Disclaimers
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS. WE MAKE NO WARRANTY THAT ANY PARTICULAR PLAN OR CARRIER WILL BE AVAILABLE OR APPROPRIATE FOR YOUR CIRCUMSTANCES.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE ADVOCATE GROUP, ITS OWNERS, AGENTS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM (WHICH IS GENERALLY $0 BECAUSE OUR ADVISORY SERVICES ARE PROVIDED AT NO CHARGE TO CONSUMERS) OR (B) ONE HUNDRED DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO PORTIONS OF THIS SECTION MAY NOT APPLY TO YOU.
Indemnification
You agree to indemnify, defend, and hold harmless The Advocate Group and its owners, agents, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Site or Services, (b) your violation of these Terms, (c) your violation of any law or third-party right, or (d) any information you submit to us that is false, inaccurate, or fraudulent.
Termination
We may suspend or terminate your access to the Site or Services at any time, with or without notice, for any reason, including violation of these Terms. Sections that by their nature should survive termination — including disclaimers, limitation of liability, indemnification, and governing law — will survive.
Governing Law and Venue
These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Site that is not subject to arbitration will be brought exclusively in the state or federal courts located in Greene County, Missouri, and you consent to the personal jurisdiction of those courts. If any consumer-protection or insurance regulation in your state of residence provides additional protections, those will apply to the extent required by law.
Changes to These Terms
We may update these Terms from time to time. The “Last Updated” date reflects the most recent revision. Material changes will be communicated through the Site or other reasonable means. Your continued use of the Site or Services after changes take effect means you accept the revised Terms.
Contact Us
1650 E. Battlefield, Suite 130
Springfield, MO 65804
Phone: (417) 356-8345
Email: jd@advocategroupmo.com
Miscellaneous
These Terms, together with our Privacy Policy, constitute the entire agreement between you and The Advocate Group regarding the Site and Services and supersede all prior agreements. Our failure to enforce any provision is not a waiver. If any provision is found unenforceable, the remaining provisions remain in effect. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.
