Terms of Service

Agreement to Terms

By accessing or using the website and services of Lighthouse Management and Consulting LLC ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree, please do not use our services. You must be at least 18 years of age to use our services.

SMS / Text Messaging Program

Lighthouse Management and Consulting LLC operates an SMS messaging program to communicate with individuals who have requested Medicare guidance. By opting in, you agree to receive text messages from us including responses to your Medicare inquiries, appointment reminders, and follow-up communications.

• Program description: Informational and transactional SMS messages related to Medicare guidance, appointments, and follow-up communications.
• Message frequency: Varies based on your interactions with us.
• Message & data rates may apply depending on your carrier and plan.
• To opt out: Reply STOP at any time to unsubscribe. You will receive a confirmation message and no further messages will be sent.
• For help: Reply HELP or contact us at 618-920-2000 or [email protected].
• Consent is not a condition of purchase or receipt of any services.

Carrier Liability Disclaimer

Wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your network operator. Lighthouse Management and Consulting LLC is not responsible for any delays or failures in receiving SMS messages caused by your wireless carrier or network conditions.

Age Restriction

You must be 18 years of age or older to use our services or opt in to SMS communications. By using our services, you represent and warrant that you are at least 18 years old.

Use of Our Services

Our website and services are intended for individuals seeking Medicare education and guidance. You agree to use our services only for lawful purposes and in a manner consistent with all applicable federal and state laws and regulations.

No Guarantee of Outcomes

The information provided through our services is for educational purposes only and does not constitute legal, financial, or medical advice. Medicare plan availability and benefits vary by location and are subject to change. We make no guarantees regarding specific plan options or outcomes.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Lighthouse Management and Consulting LLC and is protected by applicable copyright and trademark laws. You may not reproduce or distribute any content without our prior written permission.

Limitation of Liability

To the fullest extent permitted by law, Lighthouse Management and Consulting LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services.

Changes to These Terms

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated date. Continued use of our services after changes are posted constitutes your acceptance of the revised terms.

Privacy Policy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

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