Terms & Conditions

By accessing or using 64Plus (including the website, widgets, mobile apps, and conversational interfaces, collectively referred to as the "Service"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, you must not access or use the Service.

The Service is operated by 64Plus Inc. ("we," "us," or "our"). These Terms apply to all visitors, users, employer groups, and others who access or use the Service.

IMPORTANT DISCLAIMER: 64Plus is an educational tool powered by artificial intelligence. It does not provide medical, legal, financial, or licensed insurance advice.

Any information provided by Medicare Assistant is for educational and informational purposes only. Medicare Assistant is a neutral educational platform and does not sell insurance, endorse specific carriers, or replace licensed insurance advisors, agents, brokers, or medical professionals.

Always consult with a qualified licensed agent, official Medicare resources (such as Medicare.gov or 1-800-MEDICARE), or clinical professionals before making any health insurance or medical coverage decisions.

We grant you a non-exclusive, non-transferable, revocable license to access and use the Service strictly in accordance with these Terms.

Prohibited Activities:

• You may not use the Service for any illegal or unauthorized purpose.
• You may not attempt to reverse engineer, decompile, or extract source code from the Service.
• You may not use automated bots, scrapers, or scripts to collect data or interact with Medicare Assistant without our explicit written permission.
• You may not submit sensitive personally identifiable health information (PHI) or protected financial info unless explicitly requested in secure designated fields.

The Service and its original content, features, and functionality (including but not limited to the Medicare Assistant conversational system, AI models, brand, logo, designs, code, graphics, and text) are and will remain the exclusive property of 64Plus Inc. and its licensors.

Our trademarks and brand elements may not be used in connection with any product or service without the prior written consent of 64Plus Inc.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

To the maximum extent permitted by applicable law, 64Plus Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of (or inability to access or use) the Service.
• Any information, recommendations, or content obtained from the Service.
• Unauthorized access, use, or alteration of your transmissions or data.

Your privacy is extremely important to us. Please refer to our Privacy Policy to understand how we collect, use, and safeguard your data when using 64Plus.

We implement industry-standard administrative, physical, and technical safeguards to keep conversational sessions private, anonymous, and secure.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will notify users of any material changes by posting the updated Terms on this page with a new "Last updated" date.

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.