These Terms and Conditions govern your use of the website, forms, scheduling tools, communications, and Medicare-related services provided by Johnsonandcoadvisory.

By using , submitting a form, scheduling an appointment, requesting information, or otherwise using our services, you acknowledge that you have read and agreed to these Terms and our Privacy Policy.

SMS Messaging Terms and Compliance

SMS Program Description

Johnsonandcoadvisory offers an SMS messaging program for individuals who voluntarily provide their telephone number and separately opt in to receive text messages.

Depending on the consent selected, messages may include:

• Appointment confirmations and reminders

• Scheduling and rescheduling updates

• Responses to service inquiries

• Requested Medicare information

• Customer-support communications

• Application or account-related updates

• Educational Medicare information

• Service updates and promotional communications

Marketing and non-marketing consent are collected separately. SMS consent is optional and is not required to submit a form, request assistance, receive insurance services, or purchase a product.

Consent to Receive Messages

By selecting an applicable SMS consent checkbox, you authorize Johnsonandcoadvisory to send text messages to the telephone number you provide.

Messages may be sent using automated technology where permitted by law. Your consent applies only to the message categories described in the checkbox you select.

Consent to receive marketing text messages is not a condition of purchasing any property, goods, or services.

Message Frequency

Message frequency varies depending on your inquiry, appointment activity, service requests, and communication preferences.

You may receive multiple messages related to an appointment or request, including confirmation, reminder, follow-up, and customer-support messages. Marketing messages may be sent occasionally if you separately consent to receive them.

Message and data rates may apply to messages sent to you from Johnsonandcoadvisory and messages you send to us. Contact your wireless carrier with questions about your messaging or data plan.

Opt-Out Instructions

You may cancel the SMS service at any time by replying STOP to a message from Johnsonandcoadvisory or texting STOP to (650) 374-8880.

After receiving your STOP request, we may send one final non-promotional message confirming that you have been unsubscribed. After that confirmation, you will no longer receive messages covered by the withdrawn consent unless you subsequently opt in again.

We also honor other reasonable requests to revoke consent. You may contact us at (650) 374-8880 or and clearly ask us to stop sending text messages.

Help Information

If you experience problems with the messaging program, reply HELP for assistance.

You may also contact us directly:

Phone: (650) 374-8880
Email:

Rejoining the Program

If you previously opted out and want to receive text messages again, you may opt back in by completing the applicable consent form through or another approved registration method.

Once you provide new consent, messaging may resume according to the preferences you select.

Carrier Liability

Wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to carrier availability, network conditions, device compatibility, and other factors outside our control.

Supported Carriers

Our messaging program is designed to operate with most major United States wireless carriers. Availability and delivery may vary by carrier and location.

Age Requirement

You must be at least 18 years old to participate in our SMS messaging program.

SMS Privacy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors that provide support services, such as customer service, messaging, or technology services, is permitted. All other use-case categories exclude text-messaging originator opt-in data and consent. This information will not be shared with third parties.

For more information about how we collect, use, and protect personal information, please review our Privacy Policy:

/privacy-policy

General Terms

1. About Our Services

Johnsonandcoadvisory is an independent insurance agency that helps Medicare beneficiaries and individuals approaching Medicare eligibility understand available Medicare coverage options.

Our services may include:

• General Medicare education

• Medicare eligibility and enrollment guidance

• Medicare plan comparisons

• Medicare Advantage plan assistance

• Medicare Supplement insurance assistance

• Prescription drug plan assistance

• Appointment scheduling

• Application and enrollment assistance

• Annual coverage reviews

• Customer support

Services may vary based on your location, eligibility, enrollment period, licensed-agent availability, and the insurance products available in your area.

2. Medicare and Government Disclaimer

Johnsonandcoadvisory is not connected with, endorsed by, or affiliated with the United States government, the federal Medicare program, the Centers for Medicare & Medicaid Services, the Social Security Administration, or any other government agency.

Medicare has not reviewed or endorsed the information or services presented on this website.

For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE at 1-800-633-4227. TTY users may call 1-877-486-2048.

3. Medicare Plan Availability Disclosure

We do not offer every plan available in your area.

Currently, we represent [INSERT NUMBER OF ORGANIZATIONS] organizations that offer [INSERT NUMBER OF PRODUCTS] products in your area.

Please contact Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program to obtain information about all available options.

Plan availability, benefits, costs, provider networks, formularies, and eligibility requirements vary by location and may change.

4. No Guarantee of Eligibility or Enrollment

Using our website, requesting information, speaking with an agent, or submitting an application does not guarantee:

• Medicare eligibility

• Eligibility for a particular enrollment period

• Acceptance into a particular plan

• Successful or timely enrollment

• Availability of a specific insurance product

• Coverage for a particular provider, service, medication, or facility

• Any specific premium, benefit, savings, or financial outcome

All enrollment requests are subject to applicable Medicare rules, insurance-carrier requirements, enrollment periods, eligibility requirements, and plan availability.

Medicare, insurance carriers, and other applicable entities make final eligibility, coverage, enrollment, and benefit determinations.

5. Licensed Insurance Agents

Plan-specific advice and enrollment assistance are provided by appropriately licensed insurance agents when required by law.

Licensed insurance agents may receive compensation from insurance carriers when consumers enroll in eligible insurance products.

You are not charged an additional premium solely because an agent assists with an enrollment. Premiums and plan costs are established by the applicable insurance carrier and governing program requirements.

6. No Medical, Legal, Tax, or Financial Advice

The information provided through this website is for general educational purposes.

It does not constitute medical, legal, tax, financial, or investment advice. Consult an appropriately qualified professional regarding decisions within those areas.

Official insurance-plan documents and Medicare guidance control if they conflict with general information presented on this website.

7. No Obligation to Enroll

Requesting information or speaking with a licensed agent does not require you to enroll in an insurance plan.

You may decline a recommendation, stop a conversation, or choose not to submit an enrollment application at any time.

8. Accuracy of Information

You agree to provide accurate, complete, and current information when using our website or services.

Information may include:

• Your name and contact information

• Date of birth

• Address and service area

• Medicare eligibility information

• Current insurance coverage

• Prescription medications

• Preferred doctors and healthcare providers

• Other information reasonably necessary to provide requested assistance

You are responsible for correcting information that is incomplete, outdated, or inaccurate.

We are not responsible for delays, missed enrollment opportunities, application errors, or coverage issues caused by incorrect or incomplete information provided by you.

9. Electronic Communications

By communicating with us electronically, you agree that we may respond electronically through email, telephone, text message, website communication, or another method consistent with the consent you provide and applicable law.

Electronic acknowledgments and signatures may have the same legal effect as handwritten signatures where permitted by law.

You are responsible for maintaining access to the email address and telephone number you provide.

10. Privacy

Our collection, use, maintenance, and disclosure of personal information are governed by our Privacy Policy.

Information may be provided to licensed insurance agents, insurance carriers, enrollment platforms, technology providers, customer-service providers, or other service providers when reasonably necessary to fulfill a request, process an application, provide customer support, maintain our systems, or comply with applicable law.

Any sharing of Medicare beneficiary data for marketing or enrollment purposes will be handled in accordance with applicable consent and Medicare requirements.

SMS opt-in data and consent will not be shared with third parties or affiliates for their independent marketing or promotional purposes.

11. Third-Party Insurance Carriers and Websites

Our website may provide information about or links to insurance carriers, Medicare resources, government websites, healthcare providers, pharmacies, or other third-party services.

We do not control and are not responsible for the availability, content, security, privacy practices, services, products, or decisions of third parties.

Insurance products are offered and administered by their respective insurance carriers and are subject to the carrier’s official policy, Evidence of Coverage, Summary of Benefits, formulary, provider directory, and other governing documents.

References or links to third parties do not necessarily constitute an endorsement.

12. Website Accuracy and Availability

We make reasonable efforts to keep website information accurate and current. However, Medicare requirements, plan information, benefits, provider networks, formularies, enrollment periods, premiums, and costs may change.

We do not guarantee that the website will always be available, uninterrupted, secure, current, or error-free.

If information on this website conflicts with official Medicare guidance or an insurance carrier’s governing documents, the official guidance or carrier documents control.

13. Intellectual Property

Unless otherwise stated, this website and its content, including text, graphics, logos, photographs, videos, downloads, designs, and software, are owned by or licensed to Johnsonandcoadvisory and are protected by applicable intellectual-property laws.

You may use this website for personal, noncommercial purposes.

You may not copy, republish, reproduce, distribute, sell, modify, scrape, or commercially exploit website content without prior written authorization.

14. Prohibited Uses

You may not:

• Use the website for unlawful or fraudulent purposes

• Submit false, misleading, or unauthorized information

• Impersonate another person

• Interfere with the website’s operation or security

• Attempt unauthorized access to a system or account

• Introduce viruses, malware, or harmful code

• Collect information about other users without authorization

• Use automated systems to scrape or overload the website

• Violate another person’s intellectual-property, privacy, or legal rights

We may restrict or terminate access when we reasonably believe these Terms have been violated.

15. Disclaimer of Warranties

To the fullest extent permitted by law, the website and services are provided on an “as is” and “as available” basis.

We disclaim warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage, except where such disclaimers are prohibited by law.

Nothing in this section limits rights or warranties that cannot legally be excluded.

16. Limitation of Liability

To the fullest extent permitted by law, Johnsonandcoadvisory and its owners, employees, agents, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from:

• Your use of or inability to use the website

• Inaccurate information provided by users or third parties

• Medicare or insurance-carrier decisions

• Plan changes

• Missed communications

• Network or service interruptions

• Third-party websites or services

Nothing in these Terms excludes or limits liability where doing so is prohibited by law.

17. Indemnification

To the fullest extent permitted by law, you agree to indemnify and hold harmless Johnsonandcoadvisory, its owners, employees, agents, contractors, and service providers from claims, liabilities, losses, and reasonable expenses arising from:

• Your unlawful or unauthorized use of the website

• Information submitted fraudulently or without authorization

• Your violation of these Terms

• Your infringement of another person’s rights

This provision does not apply where prohibited by law.

18. Termination

We may restrict, suspend, or terminate access to the website or services when we reasonably determine that a user has violated these Terms, engaged in fraudulent or abusive behavior, threatened system security, or used the services unlawfully.

Provisions that logically should survive termination will remain effective.

19. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

Unless applicable law requires otherwise, disputes relating to these Terms will be brought in a court of competent jurisdiction located in or serving Foster City, California.

Consumers retain any rights and remedies that cannot legally be waived.

20. Changes to These Terms

We may update these Terms to reflect changes in our services, business practices, technology, or legal obligations.

The revised Terms will be posted on this page with an updated effective date. Changes become effective when posted unless otherwise stated or applicable law requires additional notice.

21. Severability

If a provision of these Terms is found to be invalid or unenforceable, it will be enforced to the maximum extent permitted, and the remaining provisions will continue in effect.

22. Entire Agreement

These Terms and our Privacy Policy constitute the agreement between you and Johnsonandcoadvisory regarding your use of the website and services, except where you enter into a separate written agreement with us.

23. Contact Information

Questions regarding these Terms, our services, or your communication preferences may be directed to:

Johnsonandcoadvisory
788 Edgewater Blvd #110
Foster City, California 94404

Phone: (650) 374-8880
Email:
Website: