Terms & Conditions
Effective Date: September 1, 2026
Last Updated: September 1, 2026
Welcome to My Medicare Universe. These Terms & Conditions (“Terms”) govern your use of www.mymedicareuniverse.com, communications with My Medicare Universe, and any services, information, forms, scheduling tools, email communications, or text messaging services we provide.
By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please discontinue use of the website.
About My Medicare Universe
My Medicare Universe is an independent insurance agency that provides information and assistance concerning Medicare and insurance products.
Information provided through this website is intended to help consumers understand insurance options and connect with a licensed insurance professional.
My Medicare Universe is not connected with or endorsed by the United States government, the federal Medicare program, or any state government agency.
Medicare and Insurance Information
Information presented on this website is provided for general educational and informational purposes and should not be considered a guarantee of coverage, eligibility, benefits, premiums, costs, provider participation, prescription drug coverage, or plan availability.
Medicare and insurance plan availability may vary based on factors including geographic location, eligibility, carrier participation, and plan year.
Insurance benefits, premiums, copayments, formularies, provider networks, and other plan details may change. The official insurance carrier documents and applicable plan materials govern the terms of any insurance policy or Medicare plan.
Consumers should review official plan documentation carefully before enrolling.
Nothing on this website constitutes medical, legal, tax, or financial advice.
Insurance Enrollment
Visiting this website, requesting information, speaking with an insurance agent, or submitting a form does not automatically enroll you in an insurance plan.
Enrollment is subject to applicable eligibility requirements, enrollment periods, insurance carrier rules, Medicare requirements, and acceptance by the applicable plan or carrier.
We cannot guarantee that any specific insurance product or Medicare plan will be available to you.
Information You Provide
You agree that information you submit through this website will be accurate to the best of your knowledge.
When requesting insurance assistance, you may voluntarily provide information necessary to evaluate available coverage options.
You should not transmit Social Security numbers, Medicare identification numbers, financial account information, or other highly sensitive information through unsecured website forms, ordinary email, or text messaging unless specifically instructed to use an appropriate secure method.
Our collection and handling of personal information is also governed by our Privacy Policy.
SMS/Text Messaging Terms
My Medicare Universe may offer text messaging communications to individuals who voluntarily provide their mobile telephone number and provide the appropriate consent.
Depending upon the type of consent you provide, messages may include responses to your inquiries, appointment confirmations and reminders, requested Medicare information, insurance-related service communications, follow-up communications, educational information, and marketing or promotional communications.
Message frequency varies. Message and data rates may apply.
You may opt out of text messaging at any time by replying STOP to a message.
For assistance, reply HELP or contact My Medicare Universe using the contact information provided below.
Consent to receive marketing text messages is not a condition of purchasing any product or service.
Wireless carriers are not responsible for delayed or undelivered messages.
Your mobile number, SMS opt-in information, and consent will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.
Additional information about how we collect, use, and protect personal information is available in our Privacy Policy.
These disclosures are particularly important for your Agent CRM registration: messaging providers require the opt-in process to tell consumers what kinds of messages they'll receive, disclose frequency and potential message/data charges, and explain STOP/HELP procedures. SMS consent also needs to be voluntary rather than bundled into some other required action.
Email Communications
If you provide an email address, My Medicare Universe may use it to respond to your inquiries, provide information you request, communicate about appointments or services, and provide other communications for which appropriate permission has been obtained.
Where applicable, marketing emails will provide a method to unsubscribe.
Communications Are Not Emergency Services
Our website, chat, email, telephone, and SMS services are not monitored as emergency services.
Do not use My Medicare Universe communications to request emergency medical assistance. If you are experiencing an emergency, contact the appropriate emergency service provider.
Third-Party Services and Websites
Our website may contain links to or utilize services provided by third parties, including insurance carriers, Medicare.gov, scheduling systems, quoting systems, customer relationship management platforms, enrollment systems, communications providers, and other websites or technology providers.
My Medicare Universe does not control third-party websites and is not responsible for their content, availability, security, terms, or privacy practices.
Your use of third-party services may be subject to separate terms and privacy policies.
Website Availability and Accuracy
We strive to provide useful and accurate information, but we cannot guarantee that all website content will always be complete, current, error-free, or continuously available.
Information may be updated, corrected, or removed without notice.
You should verify important Medicare or insurance information through official plan documents, the applicable insurance carrier, Medicare.gov, or other appropriate sources before making a coverage decision.
Intellectual Property
Unless otherwise indicated, the text, branding, graphics, design elements, and original content appearing on this website are owned by or licensed to My Medicare Universe and may not be reproduced, distributed, modified, or commercially exploited without permission.
Third-party trademarks, carrier names, product names, and logos remain the property of their respective owners.
Acceptable Use
You agree not to misuse this website, interfere with its operation, attempt unauthorized access to website systems, submit fraudulent or misleading information, use automated systems to improperly collect website data, transmit malicious software, or use the website for unlawful purposes.
Disclaimer of Warranties
This website and its content are provided on an “as is” and “as available” basis.
To the extent permitted by law, My Medicare Universe makes no warranties, express or implied, regarding the availability, accuracy, reliability, suitability, or completeness of information or services provided through this website.
Limitation of Liability
To the fullest extent permitted by applicable law, My Medicare Universe will not be liable for indirect, incidental, consequential, special, or punitive damages arising from your use of, or inability to use, this website or from reliance upon information presented through the website.
Nothing in these Terms limits rights or remedies that cannot legally be limited under applicable law.
Privacy
Your use of this website is also subject to the My Medicare Universe Privacy Policy.
Please review the Privacy Policy at:
www.mymedicareuniverse.com/privacy-policy
Changes to These Terms
We may update these Terms periodically to reflect changes in our business, services, technology, legal requirements, or regulatory requirements.
The “Last Updated” date at the top of this page will indicate when the Terms were most recently revised.
Your continued use of the website following an update constitutes acceptance of the revised Terms.
Governing Law
These Terms will be governed by and interpreted in accordance with the laws of the state in which My Medicare Universe operates, without regard to conflict-of-law principles.
[If your legal business is based in Arizona, I recommend changing this sentence to specifically say “the laws of the State of Arizona.”]
Contact Us
Questions about these Terms & Conditions may be directed to:
My Medicare Universe
Website: www.mymedicareuniverse.com
Email: Scott@mymedicareuniverse.com
Phone: 602-410-6622