Disclaimer for www.What-Is-PSHB.com

Last Updated: July 27th, 2024

WE ARE NOT PART OF MEDICARE OR ANY GOVERNMENT ENTITY. PLEASE DO NOT SUBMIT ANY PRIVATE HEALTH INFORMATION TO THIS WEBSITE.

Introduction

Welcome to www.What-Is-PSHB.com (the “Website”), managed by Financial Media & Marketing, LLC (“FMM”). This Disclaimer applies to all information, services, and content provided on the Website and any related services, sales, marketing, or events (collectively referred to as the “Sites”). By accessing or using our Sites, you agree to this Disclaimer in full. If you disagree with any part of this Disclaimer, please discontinue use of our Sites immediately.

Purpose of the Website

The primary purpose of www.What-Is-PSHB.com is to provide informational content about Medicare and related topics, display advertisements, and list professionals who may or may not have paid to be listed. We also publish content for the same listed professionals and authors employed by FMM. The information provided on the Website is intended to help users understand various Medicare topics, health insurance options, and related financial products. The content on this site is for communication and educational purposes only and should not be construed as marketing or solicitation for Medicare products.

Services Provided

Our services include the creation and maintenance of a directory of unaffiliated third-party professionals, publishing Medicare-related content, offering advertisements, and allowing users to leave feedback and ratings for professionals. We do not provide personalized financial, health, or legal advice. We do not sell any financial services products. Any interactions or transactions between you and the professionals listed on this site are solely between you and the respective professional. We do not endorse, recommend, or guarantee the performance of any professional listed on our Website. It is your responsibility to conduct due diligence before engaging with any professional services.

Affiliations, Endorsements, and Professional Ratings

FMM and www.What-Is-PSHB.com do not endorse or guarantee the performance of any listed professionals, their services, or the accuracy of any third-party produced content. Ratings and rankings provided on the Website are based on various criteria, including client evaluations, Website visitor feedback, professional activity, and promotional fees paid by the professionals. These ratings do not guarantee a professional is suitable for your needs or the suitability of any advice they may provide.

Accuracy of Ratings and Reviews

The ratings and reviews provided on www.What-Is-PSHB.com are based on Website visitor feedback, user-generated content, and additional criteria set by FMM. These ratings and reviews are intended to provide general information and a guide for visitors. However, FMM does not guarantee the accuracy, completeness, or reliability of these ratings and reviews, and visitors must not rely upon these ratings as the sole method for selecting a professional.

User-Generated Content

The ratings and reviews reflect the opinions of the individuals who post them and do not reflect the views of FMM. We do not endorse any user-generated content, including ratings and reviews. FMM does not independently verify the accuracy of any ratings or reviews and cannot be held responsible for the opinions expressed by visitors.

Inherent Subjectivity

Ratings and reviews are inherently subjective and may vary widely based on personal experiences, expectations, and perceptions. Visitors are encouraged to consider multiple sources of information and to use their judgment when interpreting ratings and reviews.

Limitations and Use of Ratings

While FMM makes efforts to ensure that the ratings and reviews are useful and relevant, we do not warrant that they will meet your expectations or requirements. The use of ratings and reviews as a basis for any decision is at your own risk. Users should conduct their research and seek additional information before making decisions based on ratings and reviews found on the Website.

Third-Party Content

Our Website may include reviews and ratings sourced from third-party platforms such as Google Ratings and Yelp. These third-party reviews are provided for your convenience and do not constitute an endorsement or verification by FMM. The accuracy and reliability of third-party reviews are subject to the terms and policies of the respective platforms. Users should review the terms and conditions of these third-party platforms to understand how their ratings and reviews are generated and displayed.

No Warranty

FMM disclaims all warranties, express or implied, regarding the accuracy, reliability, and completeness of ratings and reviews on the Website. We do not guarantee that the ratings and reviews will be free from errors, omissions, or inaccuracies. Users should independently verify any information obtained from ratings and reviews before relying on it for any purpose.

Limitations of Liability

FMM disclaims all liability for the accuracy, completeness, or reliability of any information, ratings, or reviews on the Website. We are not responsible for any decisions made based on the information provided on the Website. Users assume full responsibility for their decisions and should independently verify any information obtained from the Website. FMM shall not be liable for any damages arising from the use of or reliance on the information on the Website.

Visitor Responsibilities

Visitors are responsible for verifying their eligibility for specific plans, discussing their Medicare and health insurance needs with multiple professionals before selecting a plan, and ensuring the licensure and fitness of any professional they meet through a listing or advertisement on the Website. Visitors are responsible for conducting thorough research and due diligence before making any decisions based on the information provided on the Website. We strongly recommend that visitors seek advice from multiple qualified professionals prior to making any decision related to their Medicare and health insurance plans and to consider their individual needs and circumstances.

Financial and Health Information

The information provided on the Website about Medicare and related financial and health topics is for informational purposes only. It is not intended as personalized financial advice or a complete analysis of the subjects discussed. All information should be independently verified. This content is not marketing and has not been reviewed by CMS or any insurance carrier. FMM disclaims all warranties regarding the accuracy, completeness, efficacy, and suitability of the information provided. Visitors should consult with multiple licensed professionals before making any decisions based on the information provided on the Website. Neither the information nor any opinion expressed constitutes an offer to sell or a solicitation of an offer to buy any security or insurance product.

Jurisdiction and Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law principles. Any legal action or proceeding related to the use of the Website shall be brought exclusively in the courts located in Silver Springs, NV. You agree to submit to the jurisdiction of these courts and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

No Warranty

FMM disclaims all representations and warranties of any kind, express, implied, statutory, or otherwise, including, without limitation, any warranties of accuracy, timeliness, completeness, efficacy, merchantability, fitness for any particular purpose, and usefulness of the content provided. FMM shall not be liable for any loss or damage resulting from reliance on the information provided on the Website. The Website and its content are provided on an “as-is” and “as-available” basis. FMM does not guarantee that the Website will be error-free, uninterrupted, secure, or free from viruses or other harmful components.

No Legal or Financial Advice

You specifically acknowledge and agree that no oral or written information or advice provided by FMM, its officers, directors, employees, or agents (including without limitation its call center representatives) will constitute legal or financial advice or create a warranty of any kind with respect to the Website or the services found on the Website. Users should not rely on any such information or advice. The content provided on the Website is not intended to replace professional advice tailored to your specific circumstances. Always consult with qualified professionals before making any financial, legal, or healthcare decisions.

Indemnification

You agree to indemnify, defend, and hold harmless FMM, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, and expenses, including without limitation reasonable attorneys’ fees and costs, arising out of or in any way connected with your access to or use of the Website or any services provided. This indemnification obligation will survive the termination of your use of the Website and these terms.

Disclaimers for Professional Services

Any professional services provided by listed professionals are their sole responsibility. FMM does not guarantee the quality, reliability, or suitability of any professional services provided by the listed professionals. Visitors should perform their due diligence before engaging with any professional services advertised or listed on the Website. FMM is not responsible for any acts, errors, omissions, representations, warranties, breaches, or negligence of any listed professionals or for any personal injuries, death, property damage, or other damages or expenses resulting from interactions with the listed professionals.

Advertising and Affiliate Links

Our Website contains advertising and affiliate links to third-party websites. FMM may receive compensation for purchases made through these links or from the advertising shown on our Website. We are not responsible for the content or practices of third-party websites. Your interactions with these linked websites are governed by the privacy policies and terms of use of those websites. The presence of affiliate links does not imply an endorsement or recommendation by FMM of the third-party websites or their products or services.

Healthcare and Investment Risks and Warnings

Healthcare decisions have complex ramifications, and investments and financial strategies involve risks, including the potential loss of principal. Past performance does not guarantee future results. You should consult with a licensed professional to determine the appropriateness of any investment or healthcare strategy in light of your health and financial situation and goals. FMM does not provide any assurances that any strategies or concepts discussed will achieve any particular results. All financial and healthcare decisions carry risks, and it is essential to thoroughly understand these risks before making any investment or healthcare decisions.

Accuracy and Completeness of Information

While we strive to ensure that the information on the Website is accurate and up-to-date, we make no guarantees regarding the accuracy, completeness, or timeliness of the information. The content is provided “as is” and “as available” without warranties of any kind. Users should independently verify any information before relying on it. FMM is not responsible for any errors or omissions or for the results obtained from the use of this information.

Use at Your Own Risk

Your use of the Website and reliance on any information provided is at your own risk. FMM is not liable for any damages arising from your use of the Website or the information provided. You assume full responsibility for your use of the Website, and you agree that any information you send or receive during your use of the Website may not be secure and may be intercepted by unauthorized parties.

Limitation of Liability

FMM shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, data, or other intangibles, even if FMM has been advised of the possibility of such damages. FMM’s total liability to you for all claims arising from your use of the Website or any services provided through the Website shall not exceed the amount paid by you, if any, for accessing the Website.

Third-Party Links and Endorsements

The Website may contain links to third-party websites. These links are provided for your convenience and do not constitute an endorsement or recommendation by FMM. We are not responsible for the content or practices of third-party websites. Your interactions with these linked websites are governed by the privacy policies and terms of use of those websites. FMM is not responsible for any damages or losses arising from your use of or reliance on third-party websites.

Changes and Updates to the Website

FMM reserves the right to modify, suspend, or discontinue the Website or any of its features at any time without notice. We are not liable for any modifications, suspensions, or discontinuations of the Website or its features. FMM may update the content on the Website periodically, but we are not obligated to do so. Users are responsible for reviewing the content and any updates regularly.

Technical and Security Disclaimers

FMM does not warrant that the Website will be uninterrupted, error-free, or secure. We are not responsible for any technical issues, including viruses or other harmful components that may affect your use of the Website. Users are responsible for implementing sufficient procedures to satisfy their requirements for data backup and security.

User Conduct and Prohibited Activities

Users are prohibited from engaging in any activity that is unlawful, harmful, or disruptive to the Website or its users. This includes, but is not limited to, hacking, spamming, and uploading malicious software. Users agree not to use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party’s use of the Website.

Dispute Resolution

Mediation Requirement Before initiating any legal action or proceeding, you agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to your use of the Website, these terms, or any products or services provided by FMM (collectively, “Disputes”) through mediation. Mediation will be conducted by a neutral third-party mediator selected by mutual agreement. If we are unable to mutually agree on a mediator, either party may request that a mediator be appointed by a court of competent jurisdiction in Silver Springs, NV.

Litigation If the Dispute is not resolved through mediation within 60 days from the date mediation is initiated, either party may then proceed to file a claim in a court of competent jurisdiction in Silver Springs, NV. You agree to submit to the personal jurisdiction of the courts located in Silver Springs, NV, for the purpose of litigating any Dispute.

No Class Actions You agree that any Disputes shall be resolved on an individual basis, and you waive the right to participate in any form of class, collective, or representative action.

Governing Law These terms and any Disputes shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law principles.

Contact Us

If you have any questions or concerns about this Disclaimer, please contact us at UserSatisfaction@FinancialMedia.Marketing.