Terms & Conditions

Acceptance of Terms

By accessing or using the website operated by Top Closer Agency Inc. (“we,” “us,” or “our”), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use this website.

Description of Services

This website provides educational information about Medicare coverage options and allows you to request a consultation with a licensed insurance agent. Our services include general Medicare education, appointment scheduling, and delivery of free resources such as guides and checklists.

Important: This is not a government website. We are an independent licensed insurance agency. We are not affiliated with or endorsed by the U.S. Government, CMS, or any federal Medicare program. We do not offer every plan available in your area. For all options, contact Medicare.gov or 1‑800‑MEDICARE.

Not an Enrollment Platform

This website is used for marketing, education, and appointment scheduling purposes only. We do not process insurance applications, collect Medicare ID numbers, Social Security numbers, or protected health information (PHI) through this website. Any enrollment activities occur separately through carrier-approved channels with your licensed agent.

Eligibility

This website and its services are intended for adults, particularly individuals who are Medicare-eligible or approaching Medicare eligibility. By using this site, you represent that you are at least 18 years of age.

Accuracy of Information

We make reasonable efforts to ensure the information on this website is accurate and up to date. However, Medicare plans, benefits, costs, and regulations change frequently. The content on this site is for general informational purposes only and should not be relied upon as a substitute for professional advice from a licensed insurance agent or official Medicare resources.

We do not guarantee that any specific plan, benefit, or cost described on this website will be available in your area or applicable to your individual situation.

Intellectual Property

All content on this website — including text, graphics, logos, images, and design — is the property of Top Closer Agency Inc. or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Prohibited Conduct

When using this website, you agree not to:

• Provide false or misleading information in any form submission
• Attempt to gain unauthorized access to any part of the website or its systems
• Use the website for any unlawful purpose or in violation of any applicable law
• Interfere with the proper functioning of the website
• Scrape, harvest, or collect information from the website through automated means

Third-Party Links & Services

This website may contain links to third-party websites, including Medicare.gov, insurance carrier portals, and other resources. We are not responsible for the content, accuracy, or practices of any third-party sites. Visiting external links is at your own risk, and we encourage you to review the terms and privacy policies of any site you visit.

We use third-party service providers for website hosting, email communications, scheduling, and analytics. These providers operate under their own terms of service.

Disclaimers

This website and all content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy or completeness of any information provided on this website.

Limitation of Liability

To the fullest extent permitted by law, Top Closer Agency Inc., its owner(s), agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website, including but not limited to damages for loss of data, profits, or goodwill, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising from your use of this website shall not exceed the amount you paid to us, if any, during the twelve (12) months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless Top Closer Agency Inc. and its owner(s), agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your use of this website or your violation of these Terms & Conditions.

Changes to These Terms

We may update these Terms & Conditions at any time. When we make material changes, we will update the “Last Updated” date at the top of this page. Continued use of the website after changes are posted constitutes your acceptance of the revised terms.

Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of FL, without regard to conflict of law principles. Any disputes arising under these terms shall be resolved in the courts located in FL.

Contact Us

If you have questions about these Terms & Conditions, please contact: