Terms of Use

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These Terms of Use ("Terms") govern your access to and use of the Elevate One Partners LLC ("we," "our," or "us") website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

1. Acceptance of Terms

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any of these Terms, you are prohibited from using or accessing this website.

2. Use of Website

You agree to use this website only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the website in any way that violates any applicable federal, state, local, or international law or regulation
  • Transmit any material that is abusive, harassing, defamatory, obscene, or otherwise objectionable
  • Impersonate or attempt to impersonate the company, an employee, another user, or any other person or entity
  • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
  • Use any robot, spider, or other automatic device to access the website for any purpose without our express written permission

3. Payment Terms and Stripe

3.1 Payment Processing

All payments are processed through Stripe, a third-party payment processor. By making a payment, you agree to Stripe's Terms of Service and Privacy Policy. We do not store or have access to your complete payment card information.

3.2 Payment Authorization

By providing payment information, you represent and warrant that: (i) you have the legal right to use any payment method(s) you provide; (ii) all payment information you provide is true, correct, and complete; and (iii) you authorize us to charge your payment method for all amounts due.

3.3 Refunds and Cancellations

Refund and cancellation policies are specific to the service or product purchased. Please contact us for information about refunds or cancellations for specific services.

4. Communications and Consent (Twilio)

4.1 Consent to Communications

By providing your phone number, you expressly consent to receive automated calls, text messages (SMS), and pre-recorded messages from us or our service providers (including Twilio) at the number you provided. This consent applies even if your number is registered on a Do Not Call registry. You understand that:

  • Consent is not a condition of purchase
  • Message and data rates may apply
  • You may opt-out at any time by replying "STOP" to any SMS message or contacting us
  • You may receive messages even after opting out if necessary for transaction-related communications

4.2 TCPA Compliance

Our communications comply with the Telephone Consumer Protection Act (TCPA). You have the right to opt-out of marketing communications at any time. Transactional and account-related communications may continue even after opt-out as required by law.

4.3 Email Communications

By using our website, you consent to receive email communications from us, including marketing emails. You may opt-out of marketing emails by clicking the unsubscribe link in any email or contacting us directly.

5. Medicare Compliance

5.1 Medicare Marketing Rules

If we provide services related to Medicare products, we comply with all Centers for Medicare & Medicaid Services (CMS) marketing guidelines, including but not limited to:

  • Obtaining proper written consent before marketing Medicare Advantage or Part D plans
  • Respecting the National Do Not Call Registry
  • Providing clear and accurate information about Medicare products
  • Maintaining records of all marketing activities and consent
  • Limiting unsolicited marketing contacts as required by CMS regulations
  • Providing beneficiaries with clear opt-out mechanisms

5.2 Medicare Beneficiary Protections

Medicare beneficiaries have specific rights and protections. We will:

  • Not make unsolicited marketing calls without proper consent
  • Respect opt-out requests immediately
  • Provide accurate information about Medicare products
  • Comply with all CMS marketing restrictions and guidelines
  • Maintain proper documentation of all marketing activities

5.3 Scope Limitations

This website and our services are intended for licensed insurance agents and professionals. We do not provide direct services to Medicare beneficiaries. All Medicare-related activities are conducted in compliance with CMS regulations and state insurance laws.

6. Intellectual Property

The content, design, graphics, logos, and other materials on this website are owned by Elevate One Partners LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.

7. User Accounts and Information

If you create an account or provide information through our website, you are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Providing accurate, current, and complete information
  • Updating your information to keep it accurate and current

8. Disclaimer of Warranties

This website and its content are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

  • Warranties of merchantability
  • Warranties of fitness for a particular purpose
  • Warranties of non-infringement
  • Warranties that the website will be uninterrupted, secure, or error-free

We do not warrant that the website, its servers, or email sent from us are free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, Elevate One Partners LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

  • Your use or inability to use the website
  • Any conduct or content of third parties on the website
  • Any unauthorized access to or use of our servers or any personal information stored therein
  • Any interruption or cessation of transmission to or from the website
  • Any bugs, viruses, trojan horses, or the like that may be transmitted to or through the website

10. Indemnification

You agree to indemnify, defend, and hold harmless Elevate One Partners LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the website or your violation of these Terms.

11. Third-Party Services

Our website and services may integrate with or link to third-party services, including but not limited to Stripe (payment processing) and Twilio (communications). Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the practices of third-party services.

12. Compliance with Laws

You agree to comply with all applicable laws, rules, and regulations in connection with your use of the website, including but not limited to:

  • Federal and state insurance laws and regulations
  • Telephone Consumer Protection Act (TCPA)
  • CAN-SPAM Act
  • Medicare marketing regulations (CMS guidelines)
  • State and federal privacy laws

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the website after such modifications constitutes acceptance of the updated Terms.

14. Termination

We reserve the right to terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the website will cease immediately.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the state in which Elevate One Partners LLC is organized, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the website shall be subject to the exclusive jurisdiction of the courts in that state.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Contact Information

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

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Elevate One Partners LLC regarding your use of the website and supersede all prior agreements and understandings.