Effective Date: April 24, 2025

This Terms of Service (“Agreement”) outlines the terms and conditions for use of the website operated by Cardinal Insurance Services (“Cardinal,” “we,” “us,” or “our”). By accessing or using this website (the “Site”), you agree to be bound by the terms of this Agreement. If you do not agree to these terms, you may not use this Site.

Purpose of the Website

The information provided on this Site is for general educational and informational purposes only. The Site is intended to help users understand Medicare-related insurance options and to facilitate connections with licensed insurance professionals. Nothing contained on the Site should be considered legal, financial, or medical advice.

Who We Are

Cardinal Insurance Services is a licensed insurance agency offering Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D prescription drug plans through various insurance carriers. We do not charge for our services, and users are under no obligation to enroll in any plan recommended or presented during a consultation.

Private Entity Disclosure

Cardinal Insurance Services is not affiliated with, endorsed by, or connected in any way with the U.S. government or the federal Medicare program. Medicare is a program administered by the federal government. We are a private entity licensed to offer information and assist with enrollment in Medicare-related insurance plans.

Content Ownership and Use

All content, materials, images, logos, and written information on this Site are the exclusive property of Cardinal Insurance Services unless otherwise noted. Use of any materials from this Site for commercial purposes or public distribution is prohibited without prior written consent. Unauthorized use of the Site’s content may violate copyright, trademark, and other applicable laws.

Information Accuracy

While we make every effort to ensure that the information on the Site is accurate and up to date, insurance plans, rules, and eligibility requirements may change. We do not guarantee the completeness, reliability, or current status of any information provided. Users are encouraged to verify plan details directly with the carrier or a licensed agent before making any decisions regarding enrollment.

Third-Party Links

This Site may include links to third-party websites or external services that are not operated or controlled by Cardinal Insurance Services. We are not responsible for the content, policies, or practices of such websites, and inclusion of these links does not imply endorsement. Users should review the terms and privacy policies of any third-party website they choose to access.

No Guarantee of Enrollment or Coverage

Use of this Site does not constitute enrollment in any Medicare plan, nor does it guarantee eligibility for coverage. Final determinations regarding eligibility and benefits are made solely by the applicable insurance carrier and are subject to applicable federal and state guidelines, including those set by the Centers for Medicare & Medicaid Services (CMS).

Termination of Use

We reserve the right to deny or terminate access to this Site at any time, at our sole discretion, without prior notice. Reasons for termination may include, but are not limited to, violation of this Agreement, misuse of the Site, or conduct that interferes with the functionality or security of the Site.

No Warranty

This Site is provided on an “as is” and “as available” basis. Cardinal Insurance Services disclaims all warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We make no representation that the Site will be error-free, continuously available, or free of harmful components.

Limitation of Liability

Cardinal Insurance Services shall not be liable for any indirect, incidental, consequential, or punitive damages resulting from your access to or use of this Site, including but not limited to damages for lost profits, data loss, or business interruption. This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other legal theory.

Indemnification

By using this Site, you agree to indemnify, defend, and hold harmless Cardinal Insurance Services, its officers, employees, agents, and affiliates from and against all claims, liabilities, damages, costs, and expenses arising from your use of the Site or violation of this Agreement.

Intellectual Property

All trademarks, logos, service marks, and other identifiers displayed on the Site are the property of Cardinal Insurance Services or its licensors. You may not use or reproduce any of these without our express written permission.

Governing Law

This Agreement is governed by the laws of the State of Ohio. Any legal action arising under this Agreement shall be brought in the courts located in Delaware, Ohio.

Modifications to Terms

Cardinal Insurance Services reserves the right to modify or update these Terms at any time. Updates will be posted on this page, and continued use of the Site following any such changes constitutes acceptance of those changes.

Contact Information

If you have any questions about this Terms of Service Agreement, please contact:

Cardinal Insurance Services

PO Box 172

Radnor, OH 43066

Phone: 614-696-9000

Email: cyndi.maharas@cardinalinsllc.com