Terms of Service

Effective Date: 10/06/2024

Welcome to Waheed Alabede’s insurance services website, Sixty-Five and Above (the “Site”). These Terms of Service (“Terms”) govern your use of the Site, its content, and services. By accessing or using the Site, you agree to comply with these Terms. If you do not agree with these Terms, please discontinue your use of the Site.

1. Services Provided

Waheed Alabede provides information and resources related to Medicare, insurance plans, and other health coverage options. Our services may include:

Assisting with Medicare enrollment.
Providing insurance plan recommendations.
Offering ongoing support for policyholders.

We are independent insurance agents and do not represent Medicare or any government agency.

2. Eligibility

You must be at least 18 years old to use our services. By using this Site, you confirm that you are of legal age and capable of entering into a binding agreement.

3. Use of the Site

You agree to use the Site and our services in a lawful manner and only for their intended purposes. You shall not:

Engage in any fraudulent or illegal activities.
Misuse the content, data, or services provided on the Site.
Attempt to interfere with the security or integrity of the Site.
Copy, modify, distribute, or resell any content without our prior written consent.

4. Content and Intellectual Property

All content provided on the Site, including text, graphics, logos, images, and other material, is owned or licensed by Waheed Alabede. You may view, download, and print content for personal, non-commercial use only. Unauthorized use of any content is strictly prohibited.

5. Third-Party Links

The Site may include links to third-party websites for your convenience. These links do not imply our endorsement or responsibility for the content or privacy practices of those third-party websites. You acknowledge that use of any third-party sites is at your own risk.

6. Disclaimer of Warranties

While we strive to provide accurate and up-to-date information, the content on this Site is provided “as-is” and without any warranties, either express or implied. Waheed Alabede does not warrant:

The accuracy, completeness, or reliability of the content or services.
That the Site will be uninterrupted or error-free.
That any defects will be corrected.

You are responsible for verifying any information before making decisions based on it.

7. Limitation of Liability

To the fullest extent permitted by law, Waheed Alabede and its agents will not be liable for any damages arising out of your use of, or inability to use, the Site or our services. This includes direct, indirect, incidental, punitive, or consequential damages, including but not limited to loss of data, loss of profits, or loss of business opportunities.

8. Indemnification

You agree to indemnify and hold harmless Waheed Alabede, its affiliates, and employees from any claims, damages, liabilities, or expenses arising from your violation of these Terms or any misuse of the Site.

9. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

10. Changes to Terms

We may modify these Terms from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are made constitutes your acceptance of the updated Terms.

11. Termination

We reserve the right to terminate or suspend access to our Site or services, without prior notice, for conduct that we believe violates these Terms or is harmful to other users or us.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.