Website terms
Terms of Use
Effective September 4, 2026
By using this website, you agree to these terms. If you do not agree, please do not use the site.
Educational information only
The website provides general educational information about Medicare, Medicaid and dual eligibility, life insurance, and related planning questions. It does not provide legal, tax, medical, or financial advice and is not a complete description of any plan, policy, benefit, eligibility standard, or enrollment rule.
No government affiliation
Ormsby Retirement Solutions is not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare.gov, Medicaid.gov, state agencies, current plan documents, and official notices are authoritative sources for program and eligibility information.
No guarantee
Eligibility, availability, benefits, premiums, coverage, networks, and policy terms vary by location and individual circumstances and may change. Nothing on this website guarantees eligibility, enrollment, coverage, savings, or a particular result.
No client relationship from website use
Viewing the site or submitting a form does not by itself create an advisory, agency, or client relationship and does not enroll you in any plan or policy. Any relationship, recommendation, application, or enrollment requires separate review and documentation.
Your responsibilities
You agree to provide accurate information, use the site lawfully, protect your own credentials, and avoid submitting highly sensitive data through the public form. Do not rely on the website alone for deadlines or decisions requiring official confirmation.
Third-party resources
The site may link to government and third-party resources. Those sites have their own content, terms, and privacy practices. A link does not imply control or endorsement.
Intellectual property
The site’s original design, text, graphics, and branding are protected by applicable intellectual property laws. Government names and linked third-party materials remain the property of their respective owners.
Availability and changes
The website may be updated, interrupted, or withdrawn. These terms may be revised as the business and its services evolve. Continued use after publication of a revision indicates acceptance of the updated terms.
Contact
Use the consultation form on the website for questions about these terms.
These starter terms should be reviewed with qualified counsel as the company’s exact products, appointments, jurisdictions, and communication programs are finalized.