Terms of Service

Acceptance of Terms

By accessing our website, registering for a seminar, submitting a contact form, or opting in to receive SMS or email communications from Medicare Outreach Co. / Integral Benefits Group, you agree to be legally bound by these Terms of Service and our Privacy Policy.

If you do not agree to these terms, please do not use our website or submit your information through any of our forms. Your continued use of our services constitutes acceptance of any updates to these terms.

Description of Services

Integral Benefits Group, operating as Medicare Outreach Co., provides free Medicare education seminars, informational resources, and optional one-on-one consultations with licensed Medicare advisors. Our services include:

• Free in-person Medicare overview seminars covering Parts A, B, C, and D, enrollment timelines, and coverage options
• Complimentary meals provided at seminar events
• SMS and email communications related to seminar registration, reminders, and follow-up
• Optional no-obligation consultations with licensed independent Medicare advisors
• Educational resources about Medicare eligibility, enrollment, and plan types

Medicare Outreach Co. / Integral Benefits Group is not affiliated with or endorsed by the United States federal government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.

SMS Messaging Program

When you provide your mobile phone number and submit our seminar registration form, you expressly consent to receive automated SMS text messages from Integral Benefits Group / Medicare Outreach Co. as part of our Medicare Seminar Outreach Program.

We comply with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and the CTIA Short Code Monitoring Handbook and Messaging Principles and Best Practices.

How to Opt Out — Text STOP

You may opt out of SMS communications from Medicare Outreach Co. / Integral Benefits Group at any time, at no cost to you, using any of the following methods:

Additional opt-out methods:

• Email: Send a written opt-out request to support@integralbenefits.com with your mobile number and a request to be removed from SMS communications. We will process your request within 2 business days.
• Phone: Contact us directly using the support number listed in Section 16 and request to be removed from SMS communications.

After opting out, your phone number will be added to our internal suppression list and will not receive further SMS messages. If you later wish to re-enroll in our SMS program, you may do so by submitting a new registration form or texting START to our messaging number.

Message & Data Rates

Medicare Outreach Co. / Integral Benefits Group does not charge any fee for SMS messages we send to you. However, your mobile carrier may charge standard message and data rates for receiving SMS text messages, depending on your wireless plan and carrier.

• Standard SMS/text messaging rates set by your mobile carrier may apply to messages you receive from us
• If you are on an unlimited texting plan, no additional charges typically apply
• Data usage charges from your carrier may apply if you access links included in our messages while not connected to Wi-Fi
• Charges for SMS messages count toward your plan's text allowance if your plan is not unlimited

We recommend checking with your mobile carrier if you are unsure whether standard messaging rates apply to your plan. We are not responsible for any charges your carrier applies to messages sent or received.

Carrier Liability Disclaimer

Message delivery is subject to effective transmission from your wireless carrier. Integral Benefits Group cannot guarantee the delivery of any specific SMS message. Factors that may affect delivery include, but are not limited to:

• Network coverage limitations or outages affecting your mobile carrier
• Technical issues with your mobile device or SIM card
• Your device being powered off, out of range, or storage being full
• Carrier-level spam filters or message blocking settings
• Force majeure events or circumstances beyond our reasonable control

In the event that you do not receive a confirmation or reminder message you were expecting, please contact us directly using the support information in Section 16 to confirm your registration or seminar details.

The wireless carriers participating in our SMS program (including but not limited to AT&T, Verizon, T-Mobile, and US Cellular) are not responsible for, and are held harmless from, any claims arising from or related to the content, timing, or delivery of our SMS messages.

Age Restriction

Our seminars and educational materials are specifically designed for individuals approaching or past Medicare eligibility age, which is generally 65 years of age. However, individuals aged 18 or older who are interested in learning about Medicare — including caregivers, family members, and those with qualifying disabilities — are also welcome to attend and use our services.

We do not knowingly collect personal information from individuals under the age of 18. If we become aware that a person under 18 has submitted their information to us, we will promptly delete that information from our records. If you believe a minor has submitted information to us, please contact us immediately at support@integralbenefits.com.

Use of Website

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:

• Use our website to transmit any unlawful, harmful, or fraudulent content
• Attempt to gain unauthorized access to any portion of our website or systems
• Use automated tools, bots, or scrapers to collect information from our website without permission
• Interfere with or disrupt the integrity or performance of our website or services
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Submit false or misleading information through our registration forms

We reserve the right to terminate access to our website or services for any user who violates these terms or engages in conduct we determine to be harmful to other users, our organization, or the public.

No Medical, Legal, or Financial Advice

The information provided at our seminars, on our website, and in our communications is intended for general educational purposes only. Nothing we provide constitutes:

• Medical advice or a recommendation regarding your specific health conditions or treatment
• Legal advice regarding your eligibility, rights, or obligations under Medicare or any other program
• Financial advice regarding investment decisions, retirement planning, or tax matters

Our licensed Medicare advisors are licensed insurance professionals who can discuss Medicare plan options. They are not attorneys, physicians, or certified financial planners. Any information provided in one-on-one consultations relates specifically to Medicare insurance options and should not be construed as professional advice in other domains.

You should consult qualified professionals — including your physician, attorney, or financial advisor — for advice specific to your personal circumstances before making any Medicare enrollment decision.

Intellectual Property

All content on our website and in our seminar materials — including but not limited to text, graphics, logos, images, audio, and video — is the property of Integral Benefits Group or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, display, or create derivative works from any of our content without our prior written permission, except for personal, non-commercial use for informational purposes. The Medicare Outreach Co. name, logo, and branding are trade names of Integral Benefits Group and may not be used without authorization.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Integral Benefits Group does not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information provided on our website or in our communications. Medicare rules and regulations are subject to change; we make every effort to provide current information but cannot guarantee that all content reflects the most recent regulatory updates.

Limitation of Liability

To the fullest extent permitted by applicable law, Integral Benefits Group, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website, services, or communications — including but not limited to:

• Any errors or omissions in the content of our seminars or website
• Any reliance you place on information provided by our advisors or materials
• Any interruption or unavailability of our website or services
• Any delay or failure to deliver SMS messages as described in Section 6
• Any unauthorized access to your personal information not caused by our negligence

Our total liability to you for any claim arising out of or relating to these terms or our services shall not exceed the greater of (a) the total fees paid by you to us in the twelve months preceding the claim (which, given our free services, would typically be zero), or (b) one hundred dollars ($100).

Indemnification

You agree to indemnify, defend, and hold harmless Integral Benefits Group, its officers, directors, employees, agents, licensors, and service providers 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 these Terms of Service
• Your use of our website or services in a manner not authorized by these terms
• Your violation of any third-party rights, including intellectual property or privacy rights
• Any content you submit through our forms or communications that is false, misleading, or unlawful

Governing Law & Dispute Resolution

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law principles. Any dispute arising out of or relating to these terms or our services shall be subject to the exclusive jurisdiction of the state and federal courts located in Maryland.

Before initiating any formal legal proceeding, you agree to contact us in good faith to attempt to resolve any dispute informally. Most concerns can be resolved quickly by reaching out to our support team at support@integralbenefits.com.

Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. When changes are made, we will update the "Last Updated" date at the top of this page. For material changes — particularly those affecting your rights regarding SMS communications or data use — we will provide notice via email or a prominent website announcement at least 14 days before the changes take effect.

Your continued use of our website or services, or your continued enrollment in our SMS program, after changes are posted constitutes your acceptance of the revised terms. If you do not agree to updated terms, please opt out of communications and discontinue use of our services.

Contact & Support

If you have questions about these Terms of Service, need to opt out of communications, need support with SMS messages, or want to exercise your data rights, please contact us: