Terms of Use

Last updated August 2024

Thank you for your interest in our website, WizeAge.com (“Website”, “we”, “us”, “our”) and the products and services offered on the website. Please review these Terms of Use (together with our Privacy Policy), thoroughly. The use of this website is limited to United States residents over the age of 18. Your access, browsing, and/or use of this website and the related services constitutes your acceptance of these Terms and Conditions.

These terms and conditions, in addition to the Privacy Policy, shall constitute the entire agreement between yourself and the website. If you disagree with them, you may not access or use this website. For purposes of this Agreement, "you" or "your" means the person(s) using the Website or the related services. If you are accessing and/or using the website on behalf of another entity, such as an employer, you guarantee that you have the actual authority to bind such an entity to an Agreement with us.

We reserve the right to change and/or modify any aspect of feature of this website at any time, as well as to modify these Terms and conditions, or any part hereof. These changes, modifications, additions, or deletions are effective immediately upon their positing, and your continued use of the website or the related services after these updates shall constitute your acceptance of the updates.

YOUR CONSENT TO OUR PRIVACY POLICY
We encourage you to review our Privacy Policy, which is hereby incorporated by reference into this Agreement, for information concerning the policies and practices regarding the personal information that we collect from you through the Website or receive directly from you. This includes sharing this information with third parties and the use of your personal information by us. Your continued use of the website shall constitute your consent to our collection, storage, use, and disclosure of your personal information in accordance with our Privacy Policy.

OUR ADMINISTRATIVE SERVICES, WEBSITE TOOLS AND MATCHING PROCESS
Our website provides tools and services to help you find insurance coverage or quotes, all of which are provided by third parties unaffiliated with WizeAge.com (collectively, "Insurers"). "Insurers" shall mean insurance companies, our marketing partners, and affiliates working on behalf of insurance companies, with whom we may share your personal information (as described in our Privacy Policy) in order to help you find reasonably priced and suitable insurance coverage. You may be able to access these products and services by completing a request or submitting 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 names and relevant information of potential Insurers who may be able to provide you with the requested products or services. The Insurers that can provide you with insurance quotes or conditional offers may not be able to respond with offers until they obtain additional information from you. You may not be matched with an Insurer making any specific quote or offer.

Although we are compensated by Insurers for displaying advertisements for their products on the website, WizeAge.com does not provide insurance, does not act as an Insurer or broker, and does not make any decisions regarding the underwriting or offering of any insurance products. Any compensation we receive from Insurers is payment for their use of our services, tools, and facilities. Your usage of the Website and/or our services establishes your understanding and agreement with this compensation structure.

We do not authorize or recommend the products of any specific Insurer, and we are not an agent of any party. Our services are purely administrative in nature, and you should use your own judgment in deciding the obtainable insurance policy, product, terms, and Insurer that best suits your personal needs. The Insurer is only responsible for its own products and services, and you agree that WizeAge.com is not liable for any damages or costs arising out of or connected with your use of such products or services. You agree that Insurers may keep any insurance request or other information that we provide to them, or they receive from you during the processing of your request, whether you qualify for or obtain insurance from them. You agree to notify the Insurer directly if you do not wish to communicate with them further.

We disclaim any responsibility for errors or delays in responding to a request or referral form caused by an incorrect email provided by you, or any other technical issue beyond our reasonable control.

The Website and the products and services provided may not be available in all states, and the availability may change without notice. Insurers are not endeavoring to offer insurance outside of their authorized states or countries by offering their products on the Website. Insurers may cease, suspend, or terminate the offering of any insurance or other product in any state through the Website at any time, without prior notice.

The material provided by us, whether on this website or discussed on a phone call, does not guarantee coverage or specific payment. All insurance plans are subject to the terms, conditions, and limitations of the specific policy issued, including, but not limited to, eligibility, pre-certification, exclusions and limitations, and medical necessity requirements. For further information on a policy and its limitations, you are advised to speak with a licensed agent.

The data and other information you may provide us does not constitute an application for insurance or a request to be pre-approved or pre-qualified. We do not guarantee acceptance into any specific insurance program or explicit terms or conditions with any Insurer; insurance approval standards are established and maintained by the individual Insurers. Likewise, WizeAge.com does not guarantee that the insurance terms or rates offered by Insurers are the best terms or lowest rates available in the market. An Insurer's offer may be subject to market conditions, approval, and qualification. The rates and fees provided by Insurers may be higher or lower contingent on your completed user profile, and possibly other considerations utilized by Insurers.

Unless otherwise explicitly stated in writing, nothing provided herein shall constitute an offer or guarantee for an insurance commitment or a rate lock-in agreement. Insurers may not offer all products available or may not offer products in all states. You might not be matched with the Insurer making any specific offer. To help attempt to verify your identity, Insurers may obtain, verify, and record information that identifies each person who applied for or obtained insurance from them, including but not limited to, names, Social Security Numbers or driver’s license numbers, addresses, and dates of birth, that will allow for your proper identification. During the Insurer application process, they may also ask to see additional information. WizeAge.com charges no fees related to its service in matching you with Insurers.   By clicking on any button representing an acceptance or agreement to terms, a continuance of processing, a request for quotes or any other submission ("submission"), you agree that you are consenting to the stated terms and conditions of that submission and that you are submitting to an inquiry regarding insurance or another product through WizeAge.com to each of the Insurers to whom you transmit your request.

You agree that by providing your telephone number in any submission on our webpage/s that you are expressly consenting to receive calls, emails, postal mail, text messages, and other forms of communication from up to eight listed companies, 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 that your wireless carrier may impose charges for these calls or texts and that your 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 that you have been matched with to contact you at the email address you provided (any such email from an Insurer will not be considered spam 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 accurate and complete.

WizeAge.com seeks to provide you multiple insurance quotes through its network of unaffiliated Insurers. By submitting information on an insurance request form, you authorize us to provide this information to Insurers to complete your request. Additionally, by submitting a request for insurance, you authorize the Insurers to verify the accuracy and authenticity of all the information that you supply.   To determine which Insurers you may be matched with, 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. WizeAge.com will give your information to Insurers whose criteria match your profile. If 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 believe may be helpful in completing your request.

HYPERLINKS TO CONTENT AND/OR THIRD-PARTY WEBSITES
The Website may contain links to websites maintained by third parties. Such links are provided only for your convenience and reference, and we do not operate the third-party websites or have any control over the information, software, products, or services available on such websites. WizeAge.com's inclusion of a link to a website is not an endorsement of the website, its contents, or its sponsoring organization. WizeAge.com is not responsible for the accuracy of any information provided to you by any third-party website, and is not liable for any technical or system issues that arise from your access to or use of technologies or programs featured on that website.

THIRD PARTY SERVICES AND INSURANCE PRODUCTS WizeAge.com connects users with insurance providers and is not an insurance or operating company. Therefore, all products and services featured on the website are provided exclusively by or through the insurance providers.

PRODUCTS AND SERVICES LIMITED STATE AVAILABILITY The products and services descriptions provided on the website are for informational purposes only and are subject to change. Some products and services may not be available in all jurisdictions. Anyone interested in a particular product or service should fill out the online quote form provided on WizeAge.com to determine their eligibility and/or use our Contact Us form to request a copy of the applicable policy or other plan documents for a complete description of the product.

UNITED STATES WEBSITE AND DATABASE If you are using the Website from outside the United States, please be aware that our servers are located and our central database is operated in the United States, so your information will be transferred to, stored, and processed there. The data protection laws of the United States may not be as comprehensive as those in your country. By using the Website, you hereby consent to the transfer of your information to the United States and its collection and storage there, as well as the sharing and use of your information according to our Privacy Policy. You agree that all transactions relating to the Website shall be considered to have occurred within the United States. Those who access or use the Website from other jurisdictions do so at their own risk and are solely responsible for their compliance with all applicable laws, rules, and regulations in their jurisdiction.

LEGAL DISCLAIMERS AND LIABILITY LIMITATIONS WizeAge.com strives to provide accurate and reliable information on the Website; however, errors or inaccuracies may sometimes occur. In addition, we may make changes and improvements to the information provided herein at any time. Under no circumstances will WizeAge.com be liable for any loss or damage caused by your reliance on any information obtained through the Website. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any information, opinion, or advice featured on the Website.

THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS." WizeAge.com AND/OR ITS INSURERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, FREEDOM FROM VIRUSES AND NONINFRINGEMENT. USE OF THE WEBSITE AND/OR WIZEAGE.COM'S SERVICES IS AT YOUR OWN RISK. WizeAge.com AND/OR ITS INSURERS AND SUPPLIERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITE AND/OR WIZEAGE.COM'S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITE (INCLUDING BUT NOT LIMITED TO RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITE), OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, ERRORS, DEFECTS, VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL CODE OR COMPUTER PROGRAMMING ROUTINES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF WizeAge.com AND/OR ITS INSURERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES AND CERTAIN LIMITATIONS OF LIABILITY, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

INDEMNITY AGREEANCE
You agree to indemnify and hold harmless WizeAge.com, its affiliates, suppliers, and Insurers, and their respective members, managers, directors, officers, and employees, from any and all liabilities, expenses (including reasonable attorneys' fees), claims, and damages related to your use of the Website.

PROPRIETARY LICENSING AND EXCLUSIVE RIGHTS
You are granted a limited, non-transferable, non-sublicensable, non-exclusive, and revocable license to use and display the contents of the Website solely for your personal use (and not for commercial resale or redistribution) to find insurance and other products or services featured on the Website. All other rights are hereby reserved. WizeAge.com and the WizeAge.com logo are service marks owned by us. Other product and company names mentioned herein, including the names of Insurers, may be the trademarks of their respective owners. Nothing on the Website should be construed as granting any license or right to use any service mark or trademark (individually and collectively, "Mark" or "Marks") displayed on the Website, without the prior written permission of WizeAge.com or any other Mark holder for each such use. The Marks may not be used to disparage WizeAge.com, the Insurers, any third party or their products or services, nor shall they be used in any manner that is harmful to the goodwill in the Marks.

The Website contains copyrighted material, trademarks, and other proprietary information of WizeAge.com and/or its Insurers, including, but not limited to: text, software, photos, video, graphics, music, and sound, and the entire contents of the Website are copyrighted as a collective work under the United States copyright laws. WizeAge.com owns a copyright in the selection, coordination, arrangement, and enhancement of such content. You agree not to modify, publish, transmit, transfer, or sell, create derivative works of, or exploit, any of the content, in whole or in part. You agree not to reverse engineer, decompile, or disassemble, or make any derivative works based on, the Website or its software or technology (including any customization, translation, or localization). Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial or non-commercial exploitation of material from the Website is allowed without the express written permission of WizeAge.com and the copyright owner (if different from WizeAge.com). Elements of the Website are protected by trade dress, trademark, unfair competition, and other state and federal laws, and may not be copied or imitated in whole or in part, including but not limited to, the use of framing or mirrors.   You are granted revocable right to link to the home page of this Website by us. You agree not to state or imply that either you or any website that you place a link to this website on, are endorsed or sponsored by, or affiliated or associated with this Website or WizeAge.com, and you agree that you shall not make any express or implied representations or warranties regarding this website or any featured products or services, or make any statements that are inconsistent with this Agreement.

LEGAL ARBITRATION TERMS AND AGREEMENT
You agree that any and all disputes or claims related to your use of our Services or the Products featured on the website shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court. The Federal Arbitration Act governs the interpretation and enforcement of this Clause.   Non-Individualized Relief and Exclusion of Class and Representative Legal Actions   You agree that either party may bring claims against the other only on an individual basis and not as a plaintiff or class member in any class action lawsuit or proceeding, including but not limited to actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. Unless both parties agree otherwise, the arbitrator may not consolidate or join more than one person's or party's claims, and may not otherwise preside over a consolidated, representative, or class action proceeding. The arbitrator may award relief, including monetary, injunctive, and declaratory relief, only in favor of the individual party seeking relief and only to the extent necessary to provide the relief.

Procedures and Location of Arbitration
The arbitrator, rather than any federal, state, or local court or agency, shall have the exclusive authority to resolve any dispute arising out of the interpretation, applicability, enforceability, or formation of any part of this Agreement including, but not limited to, any claim that all or any part of this Agreement is void or voidable.

The arbitration will be conducted by the American Arbitration Association ("AAA") under its rules and procedures, including the AAA's Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA's rules and a form for initiating arbitration proceedings is available on the AAA's site at http://www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, either party may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding subject to the arbitrator's discretion to require an in-person hearing, if warranted by the circumstances. Attendance at an in-person hearing may be made by telephone by either party unless the arbitrator requires otherwise.

The arbitrator will decide the substance of all claims according to the laws of the State of California, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving other users, but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator's award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

This arbitration provision shall survive termination of this Agreement and the closing of your Account or your use of or access to our Services or Products.

Arbitration Costs and Payment
Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees. Any request for payment of fees by us should be submitted by mail to the AAA along with your Demand for Arbitration and we will arrange to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary. In the event the arbitrator determines that the claim(s) you assert in the arbitration are frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your behalf, which you otherwise would be obligated to pay under the AAA's rules.

Arbitration Confidentiality
The arbitration proceedings and arbitration award shall be maintained by the parties as strictly confidential, except as is otherwise required by court order or as is necessary to confirm, vacate or enforce the award and for disclosure in confidence to the parties' respective attorneys, tax advisors and senior management and to family members of a party who is an individual.

Severability of Arbitration
If an arbitrator or court decides that any part of this Agreement is invalid or unenforceable, the other parts of this Agreement shall still apply. If an arbitrator or court decides that any of the provisions in Section 1 of this Clause ("Prohibition of Class and Representative Actions and Non-Individualized Relief") is invalid or unenforceable, then the entirety of this Clause shall be null and void. The remainder of the Clause and its Legal Disputes Section will continue to apply.

MISCELLANEOUS TERMS AND AGREEMENT CONDITIONS
This Agreement constitutes the entire agreement between you and WizeAge.com regarding the Website and it supersedes all prior agreements, whether oral, written, or electronic, between you and WizeAge.com. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings relating to this Agreement to the same extent and shall be subject to the same conditions as other business documents and records in printed form. All terms of the Agreement shall survive any termination hereof, except for those terms (like licenses) that are revocable or, by their context, are not intended to survive termination.

We disclaim any responsibility for any errors, failures to perform, or delays in the performance of any of these terms due to labor disturbances, accidents, fires, floods, telecommunications or Internet failures, strikes, wars, riots, rebellions, blockades, acts of government, governmental requirements, restrictions imposed by law, acts or failures of third-party service providers, or any other conditions beyond our reasonable control.   You agree that no joint venture, partnership, employment, or agency relationship exists between you and WizeAge.com or any of our affiliates as a result of this Agreement or your use of the Website. Neither the course of conduct between the parties nor trade practice shall modify any provision of this Agreement.

All notices, demands, and other communications hereunder shall be in writing and shall be effective upon receipt, provided that we may provide notice to you by posting announcements on the Website or sending an e-mail to you at any e-mail address we have on file. Any such e-mail notice to you will be deemed given on the day it is sent. All notices regarding copyright or other intellectual property infringement issues shall be sent in accordance with our intellectual property policy described below. If you have any questions about the Agreement, or if you need to notify us about a legal or non-legal matter, please contact us through the "Contact Us" form on the Website.   This Agreement is not assignable by you, except by operation of law; WizeAge.com may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors, and permitted assigns.

INTELLECTUAL PROPERTY (IP) VIOLATION AND COPYRIGHT INFRINGEMENT INFORMATION
We require our users to respect our intellectual property rights, as we respect the intellectual property rights of others. If you are a copyright owner or an agent thereof and believe that any third-party content on the Website infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent with the following information in writing (see 17 U.S.C § 512(c)(3) for further detail):   A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on or available through our Website are covered by a single notification, a representative list of such works at those locations; Identification of the material that is claimed to be infringing and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit WizeAge.com to locate the material; Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and, if available, an e-mail address; A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. WizeAge.com will forward your notice to its designated Copyright Agent directly from its Contact Us form. You acknowledge that if you do not comply with all of the requirements of this Section, your DMCA notice will be invalid.

In the event that you believe WizeAge.com removed any of your content in response to a false notice of copyright infringement, you should notify WizeAge.com promptly in writing pursuant to the DMCA, at the mailing address provided above. Such notification should include:   Your physical or electronic signature; Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled; A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the state of Delaware, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. Furthermore, you should include a clear statement of your acceptance of process pertaining to the notifying party or the agent of the party as defined in DMCA § 512(c)(1)(C). If a counter-notice is received by the Copyright Agent, WizeAge.com may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in ten (10) business days. Unless the copyright owner files an action seeking a court order against the content provider or user, the removed content may be replaced, or access to it restored, in ten (10) to fourteen (14) business days or more after receipt of the counter-notice, at our sole discretion.   WizeAge.com reserves the right to terminate the account of, or deny access to the Website to any user who repeatedly infringes the copyrights or other intellectual property rights of others in its sole discretion. WizeAge.com reserves the right, in its sole discretion, to suspend to terminate the account of any user who infringes upon the intellectual property rights of WizeAge.com or others, and to remove, delete, edit, or disable access to this user’s content.   If you believe that any of your intellectual property rights other than copyrights have been infringed (for example, if you believe that any product listed on the Site is infringing your trademarks), please send a note through our Contact Us page. WizeAge.com disclaims any liability for any action taken related to the infringing of copyrights or intellectual property.

ORAL COMMUNICATIONS, RECORDINGS, AND PERMISSION TO MONITOR
You agree and consent that we may record or monitor oral or voice communications, utterances, and conversations or commands made by you during any calls you make to us, 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 us, you expressly grant us the right to record and use this information in connection with RSI and for the purposes set out in the Privacy Policy. We do not assume any obligation to monitor or record our services for accuracy, completeness, or quality.

HEALTH-RELATED DATA AND INFORMATION
All health information provided by this website is strictly for informational purposes only, and is not intended to be a substitute for medical advice from a health care professional. We disclaim any responsibility for damages arising from the use, misuse, interpretation, or application of any information featured on this website. We advise you to always consult with a doctor or other health care professional for any examinations, treatment, testing, and care recommendations. Do not rely on any information on this site for the purpose of self-diagnosis.

WEBSITE USER CONTENT STATEMENT
We strive to make this website and online forum safe for all users. To that end, we have developed the following policies regarding the removal of user content from this website. Your continued use of this website constitutes your agreement to follow and be bound by these policies.

WizeAge.com may remove any content it deems, in its sole discretion, to be inappropriate, harmful, or violates the rights of others from this website including, but not limited to:   threats or promotions of injury to others or self; threats or promotions violence to any person or property; threats or promotions criminal conduct or unlawful activity; harassment, bullying, blackmail, or disparagement of another person; hate speech; nudity or graphic depictions of sex or violence; any content that is harmful to this website, to this online forum, to us, or to the goodwill associated with any of our trademarks; or any content that violates the rights of another, including, without limitation, contractual rights, intellectual property rights and rights of publicity and privacy We encourage our users to notify us of any content that may be inappropriate or harmful as soon as possible.

TRADEMARKS AND SERVICE MARKS
There are references throughout the website to various trademarks or service marks and these, regardless of whether or not they are registered, are the property of their respective owners.