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Terms of Use

Please read carefully this Terms of Use Agreement (the "Agreement") before accessing this website.

This Terms of Use Agreement sets forth the standards of use of the PerfinitiInsurance.com Online Service. PerfinitiInsurance.com is owned and operated by Perfiniti Insurance Services, a licensed insurance agency. By using PerfinitiInsurance.com you (the “Member”) agree to these terms and conditions. If you do not agree to the terms and conditions of this agreement, you should immediately cease all usage of this Site. We reserve the right, at any time, to modify, alter, or update the terms and conditions of this agreement without prior notice. Modifications shall become effective immediately upon being posted at PerfinitiInsurance.com Your continued use of the Site after amendments are posted constitutes an acknowledgement and acceptance of the Agreement and its modifications. Except as provided in this paragraph, this Agreement may not be amended.

  1. Description of Service

    Perfiniti Insurance is providing Member with a range of information and tools relating to Medicare coverage, health and wellness. There are articles, tools, images, and other content (“Content”) written by us or commissioned from writers; and content we have licensed from well-respected sources and/or partners. The Content we write and commission is written and reviewed by reputable sources before it is posted. Content provided by our partners is also, where appropriate, subject to review by the PerfinitiInsurance.com team before it is posted. We make sure that all ads are clearly marked. Everything we offer on the Site is referred to in these Terms of Service collectively as “the Services.” Review our Privacy Policy for additional information on how we do business.

  2. This Site Does Not Provide Medical Advice

    The contents of PerfinitiInsurance.com such as text, graphics, images, information obtained from Perfiniti Insurance’s licensors, and other material contained on the Site (“Content”) are for informational purposes only. The Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on PerfinitiInsurance.com. Perfiniti Insurance does not recommend or endorse any specific tests, physicians, products, procedures, opinions, or other information that may be mentioned on the Site. Reliance on any information provided by PerfinitiInsurance.com, Perfiniti Insurance employees, others appearing on the Site at the invitation of PerfinitiInsurance.com, or other visitors to the Site is solely at your own risk.

  3. 3. We Are Not Associated With Any Government Nor Do We Claim To Be

    This Site is a private website and is not, associated, endorsed or authorized by the Social Security Administration, the Health Care Financing Administration, the Department of Health and Human Services or the Centers for Medicare & Medicaid Services nor do we claim to be. This site contains basic information about Medicare, services related to Medicare and services for people with Medicare.

  4. Disclaimer of Warranties

    The site is provided by Perfiniti Insurance on an “as is” and on an “as available” basis. To the fullest extent permitted by applicable law, Perfiniti Insurance makes no representations or warranties of any kind, express or implied, regarding the use or the results of this Site or the information, content, materials or products included in the Site in terms of its correctness, accuracy, reliability, or otherwise. All links to other websites are provided as a courtesy only and you expressly agree that the use of them is at your own risk. Perfiniti Insurance shall have no liability for any interruptions in the use of this Site. Perfiniti Insurance does not warrant that this Site, its servers, or e-mail sent from Perfiniti Insurance are free of viruses or other harmful components. Perfiniti Insurance disclaims all warranties with regard to the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow the exclusion of implied warranties; therefore the above-referenced exclusion is inapplicable.

  5. Limitation of Liability

    PERFINITI INSURANCE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR PERFINITI INSURANCE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THIS WEBSITE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF PERFINITI INSURANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, THEREFORE SOME OF THE ABOVE LIMITATIONS ARE INAPPLICABLE.

  6. Indemnification

    Member agrees to indemnify and hold Perfiniti Insurance, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys’ fees and costs, made by any third party due to or arising out of Member’s use of the Service, the violation of this Agreement, or infringement by Member, or other user of the Service using Member’s computer, of any intellectual property or any other right of any person or entity.

  7. Third-Party Sites

    This Site may include links to other websites on the Internet that are owned and operated by other third parties. Although we may provide oversight of some content on certain third-party sites as required by our agreements with insurance companies or by applicable government regulations, you acknowledge that we are not responsible to you for the availability of, or the content located on or through, any third-party website. You should contact the website administrator or webmaster for those third-party sites if you have any concerns regarding such links or the content located on such sites. Your use of those third-party websites is subject to the terms of use and privacy policies of each website, and we are not responsible therein. We encourage all Members to review said privacy policies of third-parties' sites.

  8. Governing Jurisdiction of the Courts

    Our website is operated and provided in the State of Florida. As such, we are subject to the laws of the State of Florida, and such laws will govern this Agreement, and any dispute of any sort that might arise between Member and Perfiniti Insurance, without giving effect to any choice of law rules.

  9. Copyright and Trademark Information

    All content included on this site, such as text, graphics, logos (including the PerfinitiInsurance.com logo), button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Perfiniti Insurance or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Perfiniti Insurance and protected by United States and international copyright laws. All software used on this site is the property of Perfiniti Insurance or its software suppliers and protected by United States and international copyright laws. Perfiniti Insurance is a registered trademark of the Company (U.S. Registration (Enter Registration #)). PerfinitiInsurance.com is a registered domain owned by Perfiniti Insurance. The Company’s trademarks may not be used in connection with any product or service that is not the Company’s, in any manner that is likely to cause confusion among customers or in any manner that disparages or discredits the Company. All trademarks not owned by the Company that appear on this website are the property of their respective owners.

  10. Notification of Claimed Copyright Infringement

    Report a claim of copyright infringement.