Terms of Use

1. Eligibility (18+)

The Services are intended for individuals who are at least 18 years old and located in the United States. By using the Services, you represent that you are at least 18 years old.

2. Scope of Services & No Advice

We provide tools and information to help you request insurance quotes, compare options, and connect with licensed agents. Our content is provided for general informational purposes only and is not legal, tax, or financial advice.

Insurance coverage is subject to carrier underwriting, eligibility requirements, state availability, and payment of premium. Quotes are estimates and are not a guarantee of coverage, rate, or acceptance.

3. SMS/Text Messaging & Calls (Consent, Use Cases, Opt-Out)

3.1 SMS/text messaging use cases

If you provide your phone number and opt in (where required), Daniel Dragan (operating OpenCareSeniors.com) may send you SMS/text messages for purposes such as:

• Delivering quote links and quote updates
• Following up on quote requests, applications, or required items
• Appointment confirmations and reminders
• Customer service and support related to your request
• Important notices related to your communication preferences (e.g., confirmation of opt-out)

3.2 Consent and message frequency

By submitting your phone number through our forms or during calls, and by checking any SMS consent checkbox presented, you consent to receive text messages from us (and our service providers) at the number provided, including messages sent using automated technology. Message frequency varies based on your interactions and requested services.

3.3 Message & data rates disclosure

Message and data rates may apply depending on your mobile carrier and plan.

3.4 Opt-out instructions

You can opt out of SMS/text messages at any time by replying STOP to any message. You may also request help by replying HELP.

3.5 Carrier liability disclaimer

Carriers are not liable for delayed or undelivered messages.

3.6 Calls and prerecorded messages

By providing your phone number, you may also consent (where permitted by law) to receive calls (including autodialed or prerecorded calls) regarding your quote request, application, appointments, and related insurance services. You can request that we stop calling you for marketing purposes at any time.

4. Appointments, Quotes & Applications

If you schedule an appointment through our Services, you agree to provide accurate contact information so we can confirm, remind, or reschedule as needed. Quotes are estimates and may change based on eligibility, underwriting, and carrier rules.

If you choose to apply for coverage, you agree that you will provide complete and accurate information. Any material misrepresentation may affect eligibility or benefits as determined by the insurance carrier.

5. User Submissions

You may submit information via web forms, chats, emails, or calls. You represent that the information you provide is accurate and that you have the legal right to provide it. You agree not to submit information that is unlawful, harmful, or infringes on the rights of others.

6. Acceptable Use

You agree not to:

• Use the Services for unlawful, fraudulent, or abusive purposes
• Attempt to gain unauthorized access to systems or data
• Interfere with the operation or security of the Services
• Submit false information or impersonate others
• Use bots or automated scraping without our permission

7. Intellectual Property

The Services, including text, graphics, logos, and design elements, are owned by Daniel Dragan / OpenCareSeniors.com or its licensors and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our prior written permission, except as allowed by law.

8. Third-Party Links & Services

Our Services may link to third-party sites or services that we do not control. We are not responsible for the content, policies, or practices of those third parties. Your use of third-party sites is at your own risk.

9. Disclaimers

The Services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted or error-free, that defects will be corrected, or that the Services are free of viruses or other harmful components.

10. Limitation of Liability

To the maximum extent permitted by law, Daniel Dragan / OpenCareSeniors.com and any contractors, agents, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of the Services.

To the maximum extent permitted by law, total liability for any claim arising out of or related to the Services will not exceed $100 or the amount you paid (if any) to use the Services in the 12 months preceding the claim, whichever is greater.

11. Indemnification

You agree to defend, indemnify, and hold harmless Daniel Dragan / OpenCareSeniors.com and any contractors, agents, and service providers from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Services or your violation of these Terms.

12. Changes to Terms

We may update these Terms from time to time to reflect changes in our Services, business practices, or legal requirements. When we make changes, we will update the “Last updated” date above. Your continued use of the Services after changes become effective means you accept the updated Terms.

13. Privacy

Your use of the Services is also governed by our Privacy Policy: https://opencareseniors.com/privacy-policy.php

14. Contact & Customer Support

For customer support, questions about these Terms, or assistance with SMS opt-out/help, contact us:

Email: support@opencareseniors.com
Phone: 888-644-7770
Mailing address:
Daniel Dragan (DBA OpenCareSeniors.com)
4755 Tamiami Trl N, Ste 40
Naples, FL 34103

If you believe your SMS consent was provided in error or you are receiving messages unexpectedly, reply STOP and contact support.