Terms and Privacy

These terms and conditions outline the rules and regulations for the use of Medicareful Living, a website administrated by Ritter Insurance Marketing (RitterIM).

Ritter Insurance Marketing
2600 Commerce Drive
Harrisburg, PA 17110

Terms and Conditions of Use

Please read these Terms and Conditions of Use (“Terms of Use”) carefully before using our services. Our services (“Services”) are powered by Ritter Insurance Marketing, LLC (hereinafter referred to as “Company”). Your use of our Services is governed by these Terms of Use, and is further subject to our Privacy Statement.

By using any part of our Services, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must exit this site. Note that these Terms of Use may be amended or modified from time to time and at any time, without advanced notice.

Nothing within our Services shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such an offer, solicitation, purchase, or sale would be unlawful.

Applicable Law

By using our Services, you agree that the laws of the Commonwealth of Pennsylvania, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that may arise between you and the Company.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our website. You agree to immediately remove all links to our website upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our website, you agree to be bound to and abide by these linking terms and conditions.

Content

All Content included in our Services, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company protected by United States and international copyright laws. All content and the software used are the exclusive properties of the Company and protected by United States and international copyright laws.

Information You Provide

By using our Services, completing the user subscription form for website communications, you are solely responsible for any personal information that you provide to us. You hereby grant the Company the right to use and store the personal information in a manner consistent with the intended use of our Services. The Company will use the personal information in a manner consistent with our Privacy Statement.

Disclaimer / Liability Limitation

You agree that from time to time our Services may be inaccessible or inoperable for any reason, including, without limitation, equipment malfunctions, periodic maintenance procedures or repairs which we may undertake from time to time, or causes beyond the reasonable control of the Company or which are not reasonably foreseeable by the Company. In each case, you agree not to hold the Company responsible for any damages proximately caused by such delay or lack of access. In addition, The Company is not responsible for any loss of your personal information resulting from deletion or corruption or otherwise. While the Company uses reasonable efforts to include accurate and up-to-date information within our Services, the Company makes no warranties or representations as to accuracy of the Contents. The Company assumes no liability or responsibility for any errors or omissions in the Contents within our Services. Changes may be periodically made to the information at any time without notice.

Our services and its contents are provided on an “as is” or “as available” basis without any warranty or condition of any kind, express, implied, or statutory. The company expressly disclaims any and all warranties, whether express, oral, implied, statutory, or otherwise, including any implied warranty of fitness for a particular purpose, any implied warranty of merchantability, any warranties arising by virtue of custom of trade or course of dealing. Further, the company does not represent or warrant that our services or the information provided to you through utilization of our services will meet your requirements, will be provided without virus or other harmful components or conditions, or will be accurate as of any particular date. Some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

You expressly agree that your use of our services is at your sole risk. The company shall not be liable for any damages of any kind related to your use of our services. The company does not warrant that the use of our services will be uninterrupted or error free, nor does the company make any warranty as to any results that may be obtained by use of our services.

In no event shall the company be liable for any damages whatsoever, including special, indirect, consequential or incidental damages or damages for loss of profits, revenue, use, or data whether brought in contract or tort, arising out of or relating to your use of our services, or your reliance upon or use of any information contained in or accessed from our services. Your sole and exclusive remedy hereunder is for you to discontinue your use of our services.

Indemnification

You agree to indemnify and hold harmless the Company (and its directors, officers, employees, subsidiaries, agents and affiliates) from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees and costs, due to or arising in any way from the use or misuse by you of the materials, your violation of these terms and conditions, your violation of any law, or infringement by you of any right of any person or entity.

Privacy Statement

This Privacy Statement describes our privacy and security practices in connection with the information we collect through use of our services (“Services”). We are committed to assuring users of our services (“User(s)”) that their information is secure and maintained in confidence, consistent with applicable state and federal laws.

The following sections describe our privacy and security practices:

Information Collected Online

We only use and disclose your personal information in accordance with our Privacy Statement. Throughout this Privacy Statement, we refer to information that can identify you as a specific individual, such as your name or email address, as “personal information.”

As you navigate through our Services, we may ask you to disclose certain information so that we can provide you with quality information and services. In order for you to make an informed decision about whether to disclose your information to us, we are providing you with the following information about how we collect and use your information.

Whether or not we need to collect information from you, how much information we collect, and whether such information is personal information will depend on how you use our Services. For many features, you do not need to provide us any personal information to utilize our content. For some of our features such as newsletter subscription, you are required to provide contact information such as name and email address in order for us to fulfill your request.

By using our Services or subscribing to website communications, you consent to our processing of your personal information as set forth in this Privacy Statement.

How Do We Acquire Personal Information?

We acquire personal information when you subscribe to website communications. We will only use your personal information to contact your designated email address or to customize communications to your preferences.

How Do We Acquire and Use Non-Personally Identifiable Information?

When you use our Services, we may collect certain Non-Personally-Identifiable Information such as demographic information. This data helps us analyze viewer behavior and preferences, in order to improve the overall content and user experience. Because Non-Personally Identifiable Information does not personally identify you, we may use and disclose such information for any purpose permitted by law, including:

  • “Cookie” technology: A “cookie” is an element of data that we can send to your browser when you link to our Services. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. We store this information in order to track usage patterns. Cookies are totally harmless and do not hurt your computer, nor do they compromise your identity or provide us any other information other than what you, as the potential customer, willingly supply to us.

  • IP Address: When you subscribe to an Internet Service Provider (ISP), your computing device is assigned an IP Address. We may track and store this address to help us manage security, monitor usage volume and patterns, and to customize experience and content.

How Do We Store Your Personal Information?

Information provided by Users to us is used only for the sole purpose of completing your subscription and retained to provide such communications. All information submitted through the utilization of our Services is stored in our secured database. We do not use this information except for said communications.

How Do We Use Your Information Collected Online

If you receive email updates, news, announcements, and/or special notices from us, we use the name and email contact information you supply to provide those updates, news, announcements and notices. You may remove yourself from these mailings at any time by following the removal instructions included in all such messages. Your contact information will be used only for such related mailings and will not be given, sold or rented to any other party.

How Do We Protect Your Information?

The security, integrity, and confidentiality of your information are extremely important to us. We use commercially available computer security technology selected and implemented to provide adherence to the security and privacy policies described in this policy. We have implemented technical, administrative and physical security measures that are designed to protect your information from unauthorized access, disclosure, use and modification. We regularly review our security practices to consider appropriate new technology and methods. We also periodically subject our Services to simulated intrusion tests and have developed comprehensive disaster recovery plans. However, please be aware that despite our best efforts, there is always some risk in sending information over the internet.

Will We Contact You if You Are on the National Do Not Call Registry?

We do not contact individuals that are not interested in receiving information from us or have not provided us consent to be contacted. When you fill out our “Contact Me” request form or subscribe for website communications, you are explicitly opting in and consenting to receive information and, as such, are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list.

We reserve the right to disclose your personally identifiable information as required by law such as pursuant to a subpoena, regulatory oversight, other legal process or when we believe that disclosure is necessary to protect our rights.

Changes to Online Privacy Policy

We reserve the right to change, modify or update this online privacy policy at any time without notice. We will post changes, modifications, and updates to this location. Please review this online privacy policy on a periodic basis. This Privacy Statement is not intended to and does not create any contractual or other legal rights in or on behalf of any party.

Just like you, your health is one of a kind. What works for one person may not for another, so the information in these articles should not take the place of an expert opinion. Before making significant lifestyle or diet changes, please consult your primary care physician or nutritionist. Your doctor will know your own health best.
Just like you, your health is one of a kind. What works for one person may not for another, so the information in these articles should not take the place of an expert opinion. Before making significant lifestyle or diet changes, please consult your primary care physician or nutritionist. Your doctor will know your own health best.

Medicareful Living: For a Healthy, Full Life

Medicareful Living focuses on not just managing your health, but improving your life. This is possible when you find the right Medicare option for you and your family.