1. Acceptance of Terms
 

By accessing or using the website easymedicarenow.com and any services provided by LPT Agency LLC ("Company", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.
 

2. Description of Services
 

Easy Medicare Now, operated by LPT Agency LLC, provides free Medicare insurance advisory services to individuals eligible for Medicare in the United States. Our services include consultations, plan comparisons, and enrollment assistance for Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D plans.
 

Our advisory services are 100% free of charge to you. We are compensated by insurance carriers when you enroll in a plan through our agency.
 

3. Eligibility
 

Our services are intended for individuals who are eligible for Medicare, generally those 65 years of age or older, or those under 65 with qualifying disabilities. By using our services, you confirm that you meet these eligibility requirements or are inquiring on behalf of someone who does.
 

4. Communications and SMS Messaging
 

By submitting your contact information through our website or any form, you consent to be contacted by LPT Agency LLC via phone calls, SMS/text messages, and/or email regarding Medicare insurance options.

SMS Terms:
 

• Message frequency varies based on your inquiry and enrollment period.

• Message and data rates may apply.

• To opt out of SMS messages at any time, reply STOP to any text message you receive from us.

• To request help, reply HELP to any text message.

• Opting out of SMS does not affect other communications unless specifically requested.
  
  - Carriers are not liable for delayed or undelivered messages.
  - This SMS program is available to users 18 years of age or older.
   

5. Privacy
 

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at easymedicarenow.com/privacy-policy.
 

6. Disclaimer of Warranties
 

Our services are provided "as is" without warranties of any kind. We do not guarantee that any specific Medicare plan will be available in your area or that you will qualify for any particular plan or benefit.
 

7. Limitation of Liability
 

LPT Agency LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services or reliance on information provided during consultations.
 

8. Third-Party Links
 

Our website may contain links to third-party websites, including Medicare.gov and insurance carrier websites. We are not responsible for the content or practices of those sites.
 

9. Changes to Terms
 

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this page. Continued use of our services after changes constitutes acceptance of the updated terms.
 

10. Governing Law
 

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.
 

11. Contact Us
 

If you have questions about these Terms of Service, please contact us:
 

LPT Agency LLC / Easy Medicare Now 6980 Aragon Circle Suite 5, Buena Park, CA 90620 Phone: +1 (949) 337-6678 Email: help@easymedicarenow.com Website: easymedicarenow.com