Terms of Service

Effective Date: September 12, 2026

Welcome to Medicare Clear Path LLC (“Medicare Clear Path,” “we,” “us,” or “our”).

These Terms of Service govern your use of MedicareClearPath.com and any products, services, memberships, educational materials, communications, or other resources offered by Medicare Clear Path.

By accessing our website, submitting information, purchasing a product or service, or participating in a Medicare Clear Path membership or educational program, you agree to these Terms.

1. Nature of Our Services

Medicare Clear Path provides independent Medicare education, personalized informational materials, decision-support resources, educational calls, videos, tools, reminders, and related services designed to help consumers better understand Medicare and manage their own Medicare decisions.

Depending on the product or service purchased, Medicare Clear Path may provide:

• Personalized Medicare educational documents and cost analyses
• Enrollment timelines and deadline information
• State-specific Medicare and Medigap education
• Educational videos and step-by-step demonstrations
• Medicare.gov and other public-resource walkthroughs
• Educational review calls
• Member question-and-answer sessions
• Medicare-related reminders and updates
• Annual or periodic educational updates
• Other educational tools or resources described at the time of purchase

Certain offers may also include physical educational or organizational materials where specifically stated.

Medicare Clear Path does not sell insurance through this website or service, does not receive compensation from an insurance carrier for selecting a plan for you, and does not enroll you in an insurance plan on your behalf.

We do not provide legal, tax, medical, investment, or individualized insurance advice.

2. No Insurance Recommendation or Advisory Relationship

Medicare Clear Path may explain Medicare rules, enrollment processes, coverage structures, standardized Medigap benefits, Medicare Advantage concepts, Part D concepts, publicly available plan-comparison tools, and other Medicare-related information.

We may also demonstrate how consumers can use websites such as Medicare.gov or other publicly available resources to research or complete Medicare-related tasks themselves.

However, Medicare Clear Path does not:

• Recommend that you purchase a particular insurance carrier or insurance plan
• Make an insurance-plan selection on your behalf
• Create a broker-client, fiduciary, legal, tax, medical, or investment advisory relationship
• Guarantee that any particular insurance product is appropriate for your circumstances

Any insurance enrollment or coverage decision remains your responsibility.

3. Medicare and Government Disclaimer

Medicare Clear Path LLC is a private company.

We are not Medicare, the Centers for Medicare & Medicaid Services, the Social Security Administration, or any other federal or state government agency, and we are not endorsed by or affiliated with the United States government or the federal Medicare program.

Official Medicare information is available at Medicare.gov and 1-800-MEDICARE.

4. Eligibility and Information You Provide

You must be at least 18 years old and legally capable of entering into a binding agreement to use or purchase Medicare Clear Path services.

You agree to provide information that is accurate and complete to the best of your knowledge.

The usefulness and accuracy of personalized Medicare Clear Path materials depend in part on the accuracy of the information you provide.

5. Personalized Information and Customer Records

Certain Medicare Clear Path products and services require personal information in order to generate individualized educational materials or provide ongoing services.

Information you provide may be used to:

• Create personalized Medicare educational materials
• Maintain your Medicare Clear Path service record
• Provide reminders and educational updates
• Update or refresh materials when appropriate
• Provide customer support
• Administer membership benefits
• Communicate with you regarding services you requested or purchased

Our collection and use of personal information is further described in our Privacy Policy.

6. Purchases, Pricing, and Payment

All prices are stated in U.S. dollars unless otherwise indicated.

Payments may be processed through third-party payment providers such as Stripe, Apple Pay, PayPal, or other supported payment processors.

Medicare Clear Path does not store your complete payment-card information.

Prices, product contents, and service offerings may change from time to time. Changes will not retroactively change the price of a completed purchase.

7. Satisfaction Guarantee and Refunds

Certain Medicare Clear Path products may be offered with a 100% Satisfaction Guarantee.

When a satisfaction guarantee is offered, the terms displayed with that offer at the time of purchase form part of these Terms.

Our satisfaction guarantee is intended for customers who make a good-faith effort to use and understand the materials or services they purchased.

If you tell us that a qualifying product did not provide the value you expected, Medicare Clear Path may ask you to participate in a brief educational review, knowledge check, or customer-support conversation so that we can identify areas of confusion, correct misunderstandings, and attempt to resolve your concerns.

If, after that process, you continue to believe that the qualifying product did not deliver the value promised under the applicable satisfaction guarantee, Medicare Clear Path will honor the guarantee as stated at the time of purchase.

Nothing in this section limits any refund, cancellation, or other consumer right that cannot legally be waived.

If you have difficulty accessing a purchased product or service, contact us and we will make reasonable efforts to correct the issue.

8. Medicare Clear Path Membership

Certain purchases may include a period of Medicare Clear Path Membership.

Membership benefits may include, depending on the offer:

• Relevant Medicare educational updates
• Annual Medicare-related updates
• Important enrollment-period reminders
• State-specific Medicare or Medigap educational updates
• Member educational resources
• Member question-and-answer sessions
• Annual profile or information review
• Updated or refreshed Medicare Clear Path materials
• Other membership services described at the time of enrollment

If a first year or other membership period is included with a purchase, the included period will be disclosed as part of the offer.

A membership will not be automatically renewed or charged on a recurring basis unless recurring billing and the applicable renewal price are clearly disclosed and separately authorized by you.

If automatic renewal is offered in the future, the applicable renewal and cancellation terms will be presented before you authorize recurring billing.

9. Scope of Medicare Updates

Medicare Clear Path strives to provide useful and timely educational updates, but our update service is curated rather than exhaustive.

We do not undertake to continuously monitor or notify members of every:

• Medicare rule or regulation
• Special Enrollment Period
• Natural-disaster or emergency-related enrollment event
• Insurance-carrier change
• Formulary change
• Provider-network change
• Drug-coverage change
• Local or state regulatory development
• Individual circumstance that could affect Medicare eligibility or coverage

Membership should not be interpreted as an ongoing professional monitoring service or a guarantee that Medicare Clear Path will identify every change that may affect you.

10. Educational Calls, Events, and Group Sessions

Certain products or memberships may include individual educational calls, group question-and-answer sessions, webinars, classes, or similar events.

These interactions remain educational in nature and do not create an insurance advisory, legal, tax, medical, or fiduciary relationship.

When participating in a group session, you should avoid disclosing sensitive personal, health, financial, or insurance information that you do not want other participants to hear.

If Medicare Clear Path intends to record a live session, participants will be informed before recording begins where required.

11. Email and Telephone Communications

If you provide your contact information, Medicare Clear Path may contact you regarding your request, purchase, customer-service matter, or other communication you have authorized.

Where telephone-call consent is requested, you may choose whether to provide that consent.

If you affirmatively authorize telephone calls, you agree that Medicare Clear Path may call the number you provided regarding your request and Medicare Clear Path products or services.

Consent to receive telephone sales calls is not a condition of purchasing a product or service.

You may ask us to stop calling you at any time.

12. SMS Messaging Terms

If you voluntarily opt in to text messaging, Medicare Clear Path LLC may send messages to the mobile number you provide.

Depending on the consent you select, informational or non-marketing messages may include:

• Responses to your Medicare information request
• Appointment reminders
• Purchased-service updates
• Customer-service communications
• Membership notices
• Medicare educational updates
• Other service-related communications

If you separately opt in to marketing messages, you may also receive:

• Medicare Clear Path product or service information
• Promotional messages
• Offers
• Other marketing communications from Medicare Clear Path LLC

Consent to receive SMS messages is not a condition of purchasing any product or service.

Message frequency varies. Message and data rates may apply.

You may cancel SMS communications at any time by replying STOP to a Medicare Clear Path text message or by texting STOP to 727-XXX-XXXX.

After you send STOP, we may send a final confirmation message confirming that you have been unsubscribed. You will no longer receive messages from the applicable SMS program unless you later opt in again.

For assistance, reply HELP or contact:

Medicare Clear Path LLC
Email: info@medicareclearpath.com
Phone: 727-XXX-XXXX

Wireless carriers are not liable for delayed or undelivered messages.

Participation in our SMS program is also governed by our Privacy Policy:

https://www.medicareclearpath.com/privacy

13. Accuracy, Changes, and Reliance on Information

Medicare laws, premiums, deductibles, plan availability, regulations, insurance-carrier practices, websites, enrollment processes, and other information may change.

We make reasonable efforts to provide accurate information based on sources available when the information is prepared.

However, Medicare Clear Path does not guarantee that:

• Every item will remain current indefinitely
• Every law, rule, cost, carrier practice, or enrollment circumstance will be identified
• Every third-party website or enrollment process will remain unchanged
• Information applicable to one person will apply identically to another person

Before making an enrollment or insurance decision, you should verify material information using appropriate official sources, including Medicare.gov, Social Security, the applicable insurance carrier, or other appropriate resources.

14. Third-Party Websites, Insurance Carriers, and Resources

Medicare Clear Path may link to, discuss, demonstrate, or provide instructions relating to third-party websites and services, including Medicare.gov, Social Security, insurance-carrier websites, pharmacies, or other resources.

These organizations control their own websites, information, applications, eligibility decisions, products, and procedures.

Medicare Clear Path is not responsible for:

• Third-party website availability
• Changes to third-party interfaces or procedures
• Errors contained on third-party websites
• Decisions made by Medicare, Social Security, insurance carriers, or other organizations
• Acceptance or rejection of an insurance application
• Changes to insurance products or coverage

15. Intellectual Property and Permitted Use

Medicare Clear Path materials, including documents, videos, educational content, graphics, branding, methodologies, worksheets, courses, and other proprietary materials, are owned by Medicare Clear Path LLC or used with permission.

Purchased or member-only materials are licensed to you for personal, non-commercial use.

You may not, without written permission:

• Resell Medicare Clear Path materials
• Redistribute member-only materials
• Publish purchased materials publicly
• Reproduce substantial portions for commercial purposes
• Present Medicare Clear Path materials as your own
• Use Medicare Clear Path materials to operate or develop a competing commercial product or service

16. Physical Materials

Certain offers may include physical materials such as educational guides, planners, calendars, magnets, or other items.

Where offered, shipping availability and any applicable charges will be disclosed as part of the applicable product or membership offer.

Physical materials are supplemental to our educational services and do not constitute insurance documents or official Medicare materials.

17. Limitation of Liability

To the fullest extent permitted by applicable law, Medicare Clear Path LLC will not be liable for indirect, incidental, consequential, special, or punitive damages arising from your use of our website, products, educational materials, membership services, or communications.

This includes, without limitation, losses arising from:

• Missed enrollment opportunities
• Late-enrollment penalties
• Coverage gaps
• Insurance-plan decisions
• Changes in Medicare rules or costs
• Reliance on outdated third-party information
• Changes made by insurance carriers or government agencies

Nothing in these Terms excludes liability that cannot legally be excluded or limits rights provided to consumers under applicable law.

18. Privacy

Your use of Medicare Clear Path is subject to our Privacy Policy, which explains how we collect, use, store, and protect personal information.

Our Privacy Policy is available at:

https://www.medicareclearpath.com/privacy

19. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, technology, legal obligations, or business practices.

The current version will be posted on this page with an updated effective date.

Changes will not retroactively alter material terms of a completed purchase unless required by law or agreed to by you.

20. Governing Law

These Terms are governed by applicable United States federal law and the laws of the state in which Medicare Clear Path LLC is legally organized, without regard to conflict-of-law principles.

21. Contact Information

Questions about these Terms may be directed to:

Medicare Clear Path LLC
Website: MedicareClearPath.com
Email: info@medicareclearpath.com
Phone: 727-607-3718