Terms and Conditions

Last Updated: February 13, 2026

1. About This Website

1.1 Who We Are

USAchoices.org (the "Site" or "Website") is owned and operated by Clickdee Mediashare OÜ ("Clickdee," "we," "us," or "our"), a company registered in Estonia (VAT: EE102168578) with its principal office at 6 Sepapaja, Tallinn, Harjumaa, Estonia, 15551.

1.2 What We Do

Clickdee is an affiliate marketing company that operates this Website to connect consumers seeking Medicare and healthcare information with licensed third-party insurance providers. We generate consumer inquiries through digital advertising and facilitate connections to licensed providers via inbound phone calls.

1.3 What We Are NOT

Important Disclaimer: We are NOT an insurance company, insurance agency, insurance broker, or licensed insurance agent. We do not:

• Sell, offer, or provide insurance products or services
• Provide insurance advice, recommendations, or counseling
• Enroll consumers in Medicare or any insurance plans
• Handle insurance claims, customer service, or policy administration
• Act as an intermediary between consumers and insurance companies

All insurance services, advice, enrollment, and customer support are provided exclusively by licensed third-party insurance providers and agencies.

2. 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 Conditions and our Privacy Policy. These terms constitute a legally binding agreement between you and Clickdee Mediashare OÜ.

If you do not agree to these terms, you must immediately stop using this Website.

3. Eligibility and Age Requirements

3.1 Age Requirement

You must be at least 18 years of age to use this Website. By using this Website, you represent and warrant that you are 18 years of age or older.

3.2 Geographic Scope

This Website is intended for use by residents of the United States. If you are accessing this Website from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

3.3 Medicare Eligibility

Information and services related to Medicare are generally available to individuals who are:

• Age 65 or older, OR
• Under age 65 and receiving Social Security Disability benefits or have End-Stage Renal Disease, OR
• Under age 65 and enrolled in Medicaid

Our Website provides a pre-qualification questionnaire to help determine potential Medicare eligibility, but final eligibility determinations are made by Medicare and licensed insurance providers.

4. How This Website Works

4.1 Content and Questionnaire

Our Website provides educational content about Medicare benefits, Social Security, and healthcare options. We offer an interactive questionnaire that asks basic questions to help pre-qualify you for Medicare-related services.

4.2 For Medicare-Qualified Visitors

If our questionnaire indicates you may qualify for Medicare (typically age 65+ or under 65 with Medicaid), we will display phone numbers for licensed third-party Medicare insurance providers. You may choose to call these numbers to speak directly with licensed insurance agents.

By calling these numbers, you understand and agree that:

• You will be connected to a licensed insurance provider (not Clickdee)
• The provider may discuss Medicare plans, benefits, and enrollment options
• Any insurance services, advice, or enrollment will be provided by the licensed provider
• Your call may be recorded for quality assurance and training purposes
• Clickdee receives compensation from providers for connecting qualified calls

4.3 For Non-Qualified Visitors

If our questionnaire indicates you do not currently qualify for Medicare, you may be redirected to partner websites that offer information about alternative insurance products such as ACA/Affordable Care Act plans, Final Expense insurance, or other healthcare options.

By being redirected, you understand and agree that:

• You are leaving our Website and entering a third-party website
• The partner website is operated by a separate company, not Clickdee
• Any information you provide is collected by the partner website, not by us
• The partner website's terms and privacy policy will apply
• Clickdee may receive compensation for referring you to partner websites

5. Consent to Contact

5.1 Phone Call Consent (TCPA Compliance)

By using this Website and calling any phone numbers displayed, you expressly consent to receive phone calls, text messages, emails, and other communications from or on behalf of:

• Licensed Medicare insurance providers
• Insurance agencies and brokers
• Their authorized marketing partners

You specifically consent to:

• Receive calls at the telephone number you use to call displayed numbers, even if that number is on a state or federal Do Not Call list
• Receive calls using automated telephone dialing systems, artificial or pre-recorded voices, and text messages
• Receive multiple calls from different providers or their partners
• Call recording for quality assurance, training, and compliance purposes

This consent is not required to purchase any goods or services. You may revoke consent at any time by requesting to be added to the provider's Do Not Call list during a call or by following opt-out instructions in text messages.

5.2 Email Communications

If you provide your email address to a licensed provider or partner website, you may receive email communications about insurance products and services. You can opt out of marketing emails by following the unsubscribe instructions in any email.

6. Third-Party Providers and Services

6.1 Licensed Insurance Providers

The phone numbers displayed on our Website connect you to licensed third-party insurance providers such as United Healthcare, Humana, Aetna, and other licensed agencies. These providers:

• Are independent businesses not owned, operated, or controlled by Clickdee
• Are responsible for all insurance advice, sales, enrollment, and customer service
• Maintain their own terms of service, privacy policies, and business practices
• Are solely responsible for the accuracy of product information and compliance with insurance regulations

Clickdee is not responsible for the acts, omissions, or services of these third-party providers.

6.2 Partner Websites

We may redirect visitors to partner websites operated by third parties. These websites:

• Are independent businesses not owned or controlled by Clickdee
• Have their own terms of service and privacy policies
• Are solely responsible for their content, services, and data practices

Clickdee is not responsible for the content, accuracy, or practices of partner websites.

6.3 No Endorsement

The inclusion of any provider or partner website does not constitute an endorsement, recommendation, or guarantee by Clickdee. We do not verify, warrant, or guarantee the quality, accuracy, or reliability of any third-party services.

7. Intellectual Property Rights

7.1 Ownership

All content on this Website, including but not limited to text, graphics, logos, images, videos, software, and design elements, is the property of Clickdee Mediashare OÜ or its licensors and is protected by copyright, trademark, and other intellectual property laws.

7.2 Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use this Website for personal, non-commercial purposes only. You may not:

• Copy, reproduce, distribute, or create derivative works from Website content
• Use automated systems (bots, scrapers) to access or collect data from this Website
• Modify, reverse engineer, or attempt to extract source code
• Remove or alter copyright notices or proprietary markings
• Use our trademarks, logos, or branding without written permission
• Frame or mirror any portion of this Website

8. Prohibited Uses

You agree not to use this Website to:

• Violate any applicable federal, state, or local laws or regulations
• Impersonate any person or entity or misrepresent your affiliation
• Transmit viruses, malware, or other harmful code
• Interfere with or disrupt the Website or servers
• Attempt unauthorized access to any part of the Website or related systems
• Collect or harvest information about other users
• Use the Website for any fraudulent or unlawful purpose
• Submit false, misleading, or inaccurate information
• Circumvent any security features or access controls

9. Disclaimers and Limitations of Warranty

9.1 "As Is" Provision

THIS WEBSITE AND ALL CONTENT, SERVICES, AND INFORMATION ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

9.2 No Warranty of Accuracy

We make no warranties or representations about:

• The accuracy, completeness, or timeliness of content on this Website
• The availability, reliability, or uninterrupted access to this Website
• The results you may obtain from using this Website
• The correction of errors or defects in the Website

9.3 No Insurance Advice

Information on this Website is for general educational purposes only and does not constitute insurance advice, recommendations, or counseling. You should consult with licensed insurance professionals for advice specific to your situation.

9.4 Medicare Information

While we strive to provide accurate information about Medicare, program rules and benefits are subject to change. Official Medicare information is available at Medicare.gov or by calling 1-800-MEDICARE.

9.5 Pre-Qualification Not Guarantee

Our pre-qualification questionnaire is a preliminary screening tool only. It does not guarantee Medicare eligibility or insurance approval. Final eligibility and enrollment decisions are made by Medicare and licensed insurance providers.

10. Limitation of Liability

10.1 General Limitation

TO THE FULLEST EXTENT PERMITTED BY LAW, CLICKDEE MEDIASHARE OÜ, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption
• Personal injury or property damage
• Emotional distress

ARISING FROM OR RELATED TO YOUR USE OF THIS WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.2 Maximum Liability Cap

IN NO EVENT SHALL CLICKDEE'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100.00 USD).

10.3 Third-Party Actions

We are not liable for any acts, omissions, errors, representations, warranties, or negligence of any third-party providers, partner websites, or other third parties referenced on or linked from this Website.

10.4 State Law Variations

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

11. Indemnification

You agree to defend, indemnify, and hold harmless Clickdee Mediashare OÜ, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of this Website
• Your violation of these Terms and Conditions
• Your violation of any rights of third parties
• Your violation of any applicable laws or regulations
• Any information you submit or transmit through the Website

12. Privacy and Data Collection

Our collection, use, and protection of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this Website, you consent to our data practices as described in the Privacy Policy.

Key points:

• We collect technical and usage data through cookies and similar technologies
• For Medicare-qualified visitors, we do not collect personal identifying information (you call providers directly)
• For redirected visitors, personal information is collected by partner websites, not by us
• We track call data when you call displayed phone numbers

Please review our Privacy Policy for complete information.

13. Modifications to Terms

13.1 Right to Modify

We reserve the right to modify, update, or replace these Terms and Conditions at any time, at our sole discretion, without prior notice. Changes become effective immediately upon posting to this Website.

13.2 Notice of Changes

Material changes will be indicated by updating the "Last Updated" date at the top of this page. For significant changes, we may provide additional notice through the Website or other appropriate means.

13.3 Continued Use

Your continued use of this Website after any changes constitutes acceptance of the modified Terms and Conditions. If you do not agree to the modified terms, you must stop using the Website.

13.4 Review Obligation

It is your responsibility to review these Terms periodically for changes. We recommend checking this page each time you visit the Website.

14. Modifications to Website

We reserve the right to modify, suspend, or discontinue any aspect of this Website, including content, features, functionality, or availability, at any time without notice or liability.

15. Links to Third-Party Sites

This Website may contain links to third-party websites, including partner websites, social media platforms, and other resources. These links are provided for your convenience only.

We do not control, endorse, or assume responsibility for:

• The content, accuracy, or legality of third-party websites
• Third-party privacy practices or terms of service
• Products, services, or information offered by third parties
• Any damages or losses from your use of third-party sites

Your use of third-party websites is at your own risk and subject to their terms and policies.

16. Governing Law and Jurisdiction

16.1 Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

16.2 Jurisdiction and Venue

Any legal action or proceeding arising from or related to these Terms or your use of this Website shall be brought exclusively in the state or federal courts located in Delaware, United States. You consent to the personal jurisdiction of such courts and waive any objection to venue.

16.3 International Users

If you access this Website from outside the United States, you do so at your own initiative and are responsible for compliance with local laws. This Website is operated from the United States in accordance with U.S. law.

17. Dispute Resolution

17.1 Informal Resolution

Before initiating any formal legal proceeding, you agree to first contact us at legal@usachoices.org to attempt to resolve the dispute informally. Provide a detailed description of the dispute and your desired resolution. We will attempt to resolve the matter within 30 days.

17.2 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND CLICKDEE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

18. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, the provision shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

19. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Clickdee.

20. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Clickdee Mediashare OÜ regarding your use of this Website and supersede all prior agreements, representations, warranties, and understandings.

21. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

22. Survival

Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to disclaimers, limitations of liability, indemnification, and governing law provisions.

23. Government Disclaimers

23.1 Not a Government Website

IMPORTANT: This Website is NOT affiliated with, endorsed by, or operated by the U.S. government, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration (SSA), or any other government agency.

23.2 Medicare Information

For official Medicare information, visit Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), or contact your State Health Insurance Assistance Program (SHIP).

23.3 Social Security Information

For official Social Security information, visit SSA.gov or call 1-800-772-1213.

24. Contact Information

25. Acknowledgment

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND OUR PRIVACY POLICY.

Last Updated: February 13, 2026