Terms and Conditions

1. About Our Services

LongTermCare.pro is operated by SEM SOCIETY SRLS. Insurance consultation services are provided by Ryan Doyel, Licensed Insurance Broker (CA Insurance License #4421924).

• We are not an insurance company and do not issue insurance policies directly.
• We are not exclusively affiliated with any single insurance carrier unless explicitly stated.

2. No Insurance Coverage Guarantee

Information provided on this website is for general informational purposes only.

Scheduling a consultation does not guarantee:

• Approval for insurance coverage
• Specific policy terms
• Premium rates
• Eligibility

All insurance applications are subject to underwriting review and approval by the issuing carrier. Coverage availability, pricing, and terms vary by carrier, state, age, and health status.

3. No Financial, Legal, or Tax Advice

The information provided on this website and during consultations is not intended to constitute:

• Legal advice
• Tax advice
• Investment advice

You should consult qualified professionals regarding your specific financial, legal, or tax situation.

4. User Responsibilities

By using this website, you agree:

• To provide accurate and truthful information
• Not to misuse or attempt to disrupt website functionality
• Not to submit false or misleading information

We reserve the right to refuse service to anyone who violates these terms.

5. Communications Consent

By submitting your information through this website or scheduling a consultation, you consent to be contacted by a licensed insurance broker via:

• Phone
• Email
• Text message (if number provided)

Communications will relate to your inquiry regarding long term care insurance and related services. Message and data rates may apply for text communications. You may request to stop communications at any time.

6. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of LongTermCare.Pro and may not be copied, reproduced, or distributed without written permission.

7. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, policies, or practices of those websites.

8. Limitation of Liability

To the fullest extent permitted by law, LongTermCare.pro, SEM SOCIETY SRLS, and Ryan Doyel shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on information provided. All information is provided on an 'as-is' basis without warranties of any kind.

9. Indemnification

You agree to indemnify, defend, and hold harmless LongTermCare.pro, SEM SOCIETY SRLS, and Ryan Doyel from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your use or misuse of the website, violation of these Terms, or infringement of any third-party rights.

10. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect and use your information.

11. No Professional Relationship

Use of this website or scheduling a consultation does not create a client, fiduciary, financial advisory, or legal relationship. A formal professional relationship is established only upon execution of a separate written agreement.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles. Any disputes arising from use of this website shall be resolved in the appropriate courts located in California.

13. Electronic Communications

By using this website or submitting information through our forms, you consent to receive communications electronically. You agree that electronic communications satisfy any legal requirement that such communications be in writing.

14. Modifications

We reserve the right to update these Terms at any time. Updates will be posted on this page with a revised "Last Updated" date.

Continued use of the website constitutes acceptance of any changes.

15. Contact Information

If you have questions regarding these Terms and Conditions, contact: