Terms & Conditions
Last updated 20th June 2023
1. ACCEPTANCE OF TERMS OF USE
Please review these Terms of Use (together with our Privacy Policy, the "Agreement").Consumer Marketing Consultants, LLC ("CMC, LLC", "we" or "us"), is the operator of the website (together with all content, tools and services provided on or in connection with such website, the "Website"). "You" or "your" means the person(s) using the Website and/or any tools, forms or services offered in or through the Website. You must be a resident of the United States (including its territorial possessions) and at least eighteen (18) years of age to access and use the Website.
By accessing this website you agree to be bound by these Terms of Use. Please be advised that any information you submit to CMC, LLC, through a customer service representative, on our site, via emails, text message, multimedia message, or otherwise, becomes the property of CMC, LLC. If you do not acknowledge and agree to these Terms of Use, then do not enter your information. Your access to and use of the Sites is subject to these Terms of Use and all applicable laws. These Terms of Use may be changed by us from time to time without notice to you, and the latest version will be posted.
2. CONSENT TO BE CONTACTED
You agree that by providing your telephone number in any submission within CMC, LLC's webpages that you are providing your expressed written consent to receive calls, emails, postal mail, text messages, and other forms of communication from companies such as these companies (List Below) including calls made with an automatic telephone dialing system or prerecorded voice to the wireless or residential telephone number you provided even if you are on a state or federal Do Not Call registry. You acknowledge and understand that your wireless carrier may impose charges for these calls or texts and consent to receive communications is not a condition of purchase. You may revoke your consent at any time.
By including your email in any submission, you are extending an express invitation to each Insurer you have been matched with to contact you by email at any email address you provided (in this case, any such email from an Insurer will not be considered spam or unauthorized by any local, state or federal law or regulation). For any service, you represent that all of the information you have provided in your submission is true and complete.
List of Insurance Companies & Agencies That May Be Contacting You:
AARP
AccuQuote.
Aetna
Allied Insurance Partners
Allied Insurance
Allstate
American Continental
American Health & Life Associates LLC
American Income Life Insurance Company Family
American Insurance Agencies Direct, LLC
American Insurance Organization
Anthem
Assurant
Avenge Digital, LLC
AXIOM EQUITY, LLC
Bankers Hill Insurance
Bankers Life & Casualty
Bankrate
Choice One Health & Life Agency
Cigna
ClearMatch Medicare
Colonial Penn
eHealthInsurance Services, Inc.
First Choice Health, LLC
Genworth
Gerber Insurance Company
GetMeHealthcare
Global Wide Media, Inc.
Globe Life And Accident Insurance Company
Globe Life Insurance Company of New York
Globe Life Insurance Company
Golden Rule
GoHealth
GoMedigap
Guardian Health Solutions LLC
Health Angel
Health Benefits Center
Health Benefits One
Health Insurance Alliance, LLC
Health Insurance Innovations, Inc.
Health Insurance Services
Health Plan One
HealthChoiceOne
HealthCompare
Healthedeals.com
HealtheDeals
Health First Advisors INC
Health Insurance Associates, LLC
HealthMarkets
HealthPlanOne, LLC
Heartland Holding Company
Heartland Senior Benefits, LLC
Henry Schein One, LLC d/b/a GetMedicare.Health
Horizon Health Insurance
Humana
Kaiser
Liberty Health Professionals
Liberty National Life Insurance Company
LifeTime Health Solutions Inc
Medicare Insurance Consultants, LLC
Medicare Solutions
Medigap Healthcare
My Health Angel
My Lifetime Advisors
One Health
Progressive
RateQuote.com LLC
SelectQuote
Standard Security Life Insurance Company of New York
United American Insurance Company
United Medicare Advisors
VitalOne Health Plans Direct, LLC
WellPoint
and more!
3. SERVICES
Our Website provides tools and services to help you find insurance coverage or quotes for insurance coverage, all of which are provided by third parties unaffiliated with CMC, LLC (collectively, "Insurers"). "Insurers" include insurance companies, CMC, LLC's marketing partners, and affiliates or finders working on behalf of insurance companies, with whom we may share your information (as described in our Privacy Policy) for the purpose of enabling you to find affordable insurance coverage. You may be able to access these products and services when you complete a request or submit your zip code or other information and either (i) get matched with potential Insurers who will respond with quotes or conditional offers for products or services, or (ii) get provided with the name and information about potential Insurers who may able to respond with the requested products or services or information about the requested products or services without any quotes or offers. The Insurers that can provide you with insurance quotes or conditional offers may not respond with offers until they obtain additional information from you. You may not be matched with the Insurer making any specific quote or offer.
CMC, LLC does not endorse or recommend the products of any particular Insurer. Nor is CMC, LLC an agent of you or any Insurer. Our services are only administrative.
The information provided by CMC, LLC whether on this website or discussed during any call does not represent a guarantee of coverage or specific payment.
Insurer will not be considered spam or unauthorized by any local, state or federal law or regulation). For any service, you represent that all of the information you have provided in your submission is true and complete.
CMC, LLC seeks to provide you multiple insurance quotes through its network of unaffiliated Insurers. By submitting information on an insurance request form or similar form, you authorize us to provide such information to Insurers in order to help you complete your request. Additionally, by submitting a request for insurance, you authorize the Insurers to verify the accuracy and authenticity of all information supplied by you, both internally and with the assistance of unaffiliated third parties.
To determine which Insurers may be matched with you, Insurers provide to us criteria about the type of insurance and the type of customer (for example, state of residence) in which the Insurer is interested. CMC, LLC will provide your information to Insurers whose criteria match your profile. Where it is discovered that you do not meet certain Insurers' criteria or you do not qualify for their products, you also authorize us to provide your information to other Insurers whose criteria match your profile and whose products we feel might be of help in completing your request.
4. LIMITATIONS OF LIABILITY
In no event shall CMC, LLC nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
5. INDEMNITY
As a condition of use of the Website and/or CMC, LLC's services, You agree to defend, indemnify and hold harmless CMC, LLC and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.
6. VOICE RECORDING AND MONITORING CONSENT
You agree and consent that CMC, LLC or “Insurers” may record or monitor oral or voice communications, utterances, and conversations or commands made by you during any calls you make to CMC, LLC or Insurers as permitted by 18 U.S.C. §§ 2511 et seq., Cal. Penal Code § 632 et seq., and other state laws that regulate call monitoring and recording. By calling CMC, LLC, you expressly consent and grant it the right to record or monitor and use this information in connection with RSI and for the purposes set out in the Privacy Policy. CMC, LLC is under no obligation to monitor or record its services for accuracy,
7. PRODUCTS AND SERVICES PROVIDED BY THIRD PARTIES
CMC, LLC connects individuals with insurance providers and is not an insurance or operating company. Therefore, products and services are provided exclusively by or through the insurance providers and not CMC, LLC.
8. PRODUCTS AND SERVICES NOT AVAILABLE IN ALL STATES
The products and services descriptions provided by CMC, LLC are for informational purposes only and are subject to change. Some products and services may not be available in all jurisdictions.
9. DISCLAIMER
Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
CMC, LLC its subsidiaries, affiliates, and its licensors do not warrant that a) any errors or defects will be corrected; b) the Service is free of viruses or other harmful components; or c) the results of using the Service will meet your requirements.
10. EXCLUSIONS
Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.
11. GOVERNING LAW
These Terms shall be governed and construed in accordance with the laws of Connecticut, United States, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
Contact Us
If you have any questions about these Terms, please contact us.
CMC, LLC
286 1ST AVE
Milford, CT 06460
203-565-6789