Welcome to CDM Insurance Solutions. These Terms of Use (“Terms”) govern your access to and use of the CDM Insurance Solutions website, including information, resources, forms, appointment scheduling tools, and other services made available through our website.

By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please discontinue use of the website.

1. About CDM Insurance Solutions

CDM Insurance Solutions provides insurance education, guidance, and assistance to individuals interested in Medicare and other insurance products and services.

Information provided through this website is intended to help consumers better understand their insurance options and should not be interpreted as a guarantee of coverage, eligibility, benefits, costs, or enrollment.

2. Medicare Information

Information regarding Medicare on this website is provided for general educational purposes.

Medicare benefits, premiums, deductibles, copayments, provider networks, prescription drug formularies, eligibility requirements, and plan availability may change and can vary by plan, carrier, geographic area, and individual circumstances.

CDM Insurance Solutions is not affiliated with or endorsed by the U.S. government or the federal Medicare program.

We do not offer every plan available in your area. Currently, we represent multiple organizations that offer Medicare products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for information about all of your options.

3. No Guarantee of Eligibility or Coverage

Submitting information through this website, requesting a Medicare or insurance review, or speaking with a licensed insurance agent does not guarantee eligibility for any particular insurance plan, benefit, premium, subsidy, or coverage.

Final eligibility, enrollment, coverage, premiums, and benefits are determined by the applicable insurance carrier, government agency, or other responsible organization.

4. Insurance Products

Insurance products and services are subject to availability, eligibility requirements, underwriting requirements where applicable, insurance carrier approval, and applicable state and federal laws.

Product availability may vary by state, county, ZIP code, and other eligibility factors.

Nothing on this website constitutes an offer to provide insurance coverage or a guarantee that an application will be accepted.

5. No Obligation to Enroll

You are not required to enroll in an insurance plan or purchase an insurance product to receive general information from CDM Insurance Solutions.

Any decision to apply for or enroll in coverage is voluntary.

6. Information You Provide

When you submit information through our website, you agree to provide information that is accurate and complete to the best of your knowledge.

Information you provide may be used to respond to your request, schedule an appointment, conduct an insurance or Medicare benefits review, assist with enrollment where authorized, and provide other services you request.

Our collection and use of personal information is further described in our Privacy Policy.

7. Electronic Communications

By providing your email address or telephone number and giving applicable consent, you authorize CDM Insurance Solutions to communicate with you regarding your inquiry, requested information, appointments, and insurance services.

Communications may include telephone calls, emails, and text messages.

Consent to receive marketing communications is not a condition of purchasing any goods or services.

You may opt out of marketing text messages by replying STOP. Message and data rates may apply. Message frequency may vary.

8. Appointment Scheduling

Appointments requested or scheduled through this website are subject to availability.

Submitting an appointment request does not guarantee that an appointment will occur at the selected time. CDM Insurance Solutions may contact you to confirm, reschedule, or obtain additional information regarding an appointment.

9. Educational Content

Articles, Medicare 101 materials, guides, videos, comparisons, FAQs, calculators, and other educational materials appearing on this website are provided for general informational purposes.

Although we make reasonable efforts to provide accurate information, insurance regulations, Medicare rules, plan benefits, premiums, and other information may change.

You should verify information applicable to your individual circumstances before making an enrollment or insurance decision.

10. Third-Party Websites and Services

This website may contain links to insurance carriers, government agencies, healthcare organizations, or other third-party websites and services.

CDM Insurance Solutions does not control and is not responsible for the availability, security, accuracy, content, or privacy practices of third-party websites.

A link to another website does not necessarily constitute an endorsement of that website or organization.

11. Intellectual Property

Unless otherwise indicated, the content of this website, including text, graphics, branding, page designs, educational materials, and other original content, is owned by or licensed to CDM Insurance Solutions.

Website content may not be copied, reproduced, republished, distributed, or commercially exploited without prior written permission, except as permitted by applicable law.

12. Acceptable Use

You agree not to use this website in a manner that violates applicable laws, interferes with the operation or security of the website, attempts to gain unauthorized access to systems or information, introduces malicious software, or infringes upon the rights of CDM Insurance Solutions or others.

13. Disclaimer of Warranties

The website and its content are provided on an “as is” and “as available” basis.

To the extent permitted by law, CDM Insurance Solutions makes no warranties regarding uninterrupted access to the website or the completeness, accuracy, reliability, or availability of website content.

Insurance and Medicare information should be evaluated based on your individual circumstances and current plan documentation.

14. Limitation of Liability

To the fullest extent permitted by applicable law, CDM Insurance Solutions shall not be liable for indirect, incidental, consequential, special, or similar damages arising from your use of, or inability to use, this website.

Nothing in these Terms is intended to exclude or limit liability where doing so would be prohibited by applicable law.

15. Privacy

Your use of this website is also subject to the CDM Insurance Solutions Privacy Policy.

Please review the Privacy Policy to understand how we collect, use, protect, and disclose information.

16. Changes to These Terms

CDM Insurance Solutions may update these Terms periodically to reflect changes in our services, website, business practices, or applicable laws and regulations.

Changes will become effective when the revised Terms are posted on this website. The effective date at the top of this page will indicate when these Terms were most recently updated.

17. Governing Law

These Terms shall be governed by applicable federal law and the laws of the State of California, without regard to conflict-of-law principles.

18. Contact Us

If you have questions regarding these Terms of Use, please contact:

CDM Insurance Solutions
Phone: (951) 383-2189

Cell: (619) 639-5973
Email: [email protected]
Website: www.cdminsurancesolutions.com