Terms of Service

1. Acceptance of Terms

By accessing or using YMSAZ.com, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree, you must discontinue use of the website immediately.

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2. Eligibility

You must be at least 18 years old to use this website. By using YMSAZ.com, you represent and warrant that you meet this requirement.

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3. Services Provided

YMSAZ.com provides information regarding Medicare Advantage plans, Medicare Supplement plans and Medicare Prescription Drug Plans (PDP) as well as other Insurance products. We reserve the right to modify, suspend, or discontinue any part of the website at any time without notice.

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4. SMS Communications

By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not engage with our service.

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A) Consent for SMS Communication.

• By providing your consent to receive SMS communications, you acknowledge and agree to receive text messages from ymsaz.com at the phone number you provide. Information obtained as part of the SMS consent process will not be shared with third parties.

B) Types of SMS Communications.

• If you have consented to receive text messages, you may receive SMS communications related to the following: regarding Medicare enrollment assistance, appointment scheduling, and benefit updates.

• Job Applicants and Agents: Information about your application status, onboarding materials, or other employment-related updates.

C) Standard Messaging Disclosures

• Message frequency varies.

• Message and data rates may apply

• You can opt-out of receiving SMS messages at any time by texting “STOP” to the number from which you received the message.

• For assistance, text “HELP” to any text message or contact us directly at +1 866-402-9905, you can email us at info@ymsaz.com or visit our privacy policy at https://www.ymsaz.com/privacy-policy

• Carriers are not liable for any delayed or undelivered messages

• If you change, surrender, transfer, or deactivate the mobile number enrolled in the Program, you may notify us or opt out of the Program using the methods described in these Terms. Failure to provide notice or opt out will not, by itself, make you responsible or liable for messages subsequently sent to that number.

• We may suspend or remove a number from the Program if we learn that it has been deactivated, reassigned, or is no longer associated with the enrolled participant. The current holder of a reassigned number may opt out at any time by following the instructions included in our messages.

5. Prohibited Activities

You agree not to:

•Use the site for unlawful purposes

•Attempt to gain unauthorized access to systems or data

•Interfere with website functionality

•Upload malicious code, bots, or automated scripts

•Use the site to harass, defraud, or harm others

•Copy, distribute, or exploit website content without permission

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6. Intellectual Property

All content on YMSAZ.com - including text, graphics, logos, images, software, and design is the property of YMSAZ or its licensors and is protected by copyright, trademark, and other intellectual property laws.You may not reproduce, modify, or distribute any content without written permission.

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7. Third Party Links

YMSAZ.com may contain links to third party websites. We are not responsible for the content, policies, or practices of any third party site. Accessing them is at your own risk.

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8. Privacy Policy

Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. You can view it at: https://www.ymsaz.com/privacy-policy.

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9. Disclaimers

The website and all services are provided “as is” and “as available” without warranties of any kind, including:

•Merchantability

•Fitness for a particular purpose

•Non infringement

•Availability or uptime guarantees

We do not guarantee that the website will be error free, secure, or uninterrupted.

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10. Limitation of Liability

To the fullest extent permitted by law, YMSAZ is not liable for:

•Any direct, indirect, incidental, or consequential damages

•Loss of data, profits, or business

•Unauthorized access to your information

•Website downtime or service interruptions

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Your sole remedy for dissatisfaction with the website is to stop using it.