Legal

By using the LTC Consumer website (the “Website”), you accept and agree to be bound by and abide by these Legal Terms And Disclaimers (the “Terms”) and by our Privacy Policy.  If you do not want to agree to the Terms or the Privacy Policy, you must not access or use the Website.

The purpose of the Website is to provide our insights for consumers with respect to long term care insurance. The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by MasterCare LLC (the “Company” or “we”), and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

We may revise and update the Terms from time to time in our sole discretion.  All changes to the Terms are effective immediately when we post them.  Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes.  You are responsible for checking this page each time you access this Website so that you are aware of any changes, as they are binding on you.

You are granted only a limited license (“Limited License”) to access the Website for your personal, non-commercial use only.  You must not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, or store or transmit any of the material on our Website except as incidental to your accessing the Website within the scope of your Limited License.

We hope that the Website is helpful for your objectives.  You must understand that the Website may contain errors or inaccuracies with respect to specific set of circumstances, especially because data, information and premium rates can change frequently.  We cannot guarantee the current status or accuracy of the information noted. If you find an error, or any inaccuracy, please communicate it to us.

The Company and all of its affiliated parties disclaim all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to, any warranties of merchantability, non-infringement, and fitness for a particular purpose. The materials and information on this Website are provided "as is" and without warranties of any kind either expressed or implied.  YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK.

NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided.  All information contained on any page is subject to the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. You must consult your own legal, tax, or other relevant professional advisor with respect to relevant questions about your personal circumstances.

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OR OTHER REMEDIES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

Our online premium cost calculator is an estimation tool only. It allows you, the ability to see the approximate premium prices for various different companies, based on the information you input. The information is, in no way, indicative of whether or not you may qualify for that premium pricing or be approved for coverage. Automated quoting is a very inaccurate process as premium rates can change. This is why we also ask you to provide additional information, so that we can spend the time necessary to create a specific quote for you through one of our licensed LTC Specialists.

You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of the Terms or your use of the Website, including, but not limited to, your comments or feedback (if any), any use of the Website's content, services and products other than as expressly authorized in the Terms or your use of any information obtained from the Website.

All matters relating to the Website and the Terms and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Washington without giving effect to any choice or conflict of law provision or rule.  Any dispute, controversy, or claim arising out of, or related to, the Terms or the Website shall be settled by arbitration before a single arbitrator in Clark County, Washington by and under the rules of the Arbitration Services.  A party may seek from a court an order to compel arbitration, or any other interim relief or provisional remedies pending an arbitrator’s resolution of any dispute, controversy, or claim.  Any such action, suit, or proceeding, or any action, suit, or proceeding to confirm, vacate, modify, or correct the award of the arbitrator, will be litigated in courts located in Clark County, Washington.

If any provision of the Terms or Privacy Policy is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms and Privacy Policy will continue in full force and effect.

The Terms and our Privacy Policy constitute the sole and entire agreement between you and the Company with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.