Website Disclaimer

Disclaimer

This website does not provide detailed information or interpretation of specific insurance contracts, policies and/or policy language, and is not designed to be a substitute for such information in terms of claims handling and/or settlement. For complete coverage information, please refer to the applicable specific policy in its entirety, including all applicable endorsements.The purpose of our website is to provide information about long-term care insurance and alternative options as presented by LongTermCareAlternatives.com as well as an overview of general LTC insurance information, products and services provided, and additional information that you may find beneficial. 

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Furthermore, information submitted to LongTermCareAlternatives.com via this website will be used for insurance purposes only and managed in a confidential manner. Completion and/or submission of the applications or request for additional information does not constitute the purchase of insurance, nor does it represent any agreement to provide coverage under any insurance policy. No coverage will be bound, added, altered or changed as a result of submitting a request for information or quotation of insurance. Only coverage that has been confirmed bound by LongTermCareAlternatives.com or its affiliate, Advisor Management Group will be considered bound. Coverage is also subject to an acceptable signed application and receipt of the proper payment, if applicable, while meeting the underwriting guidelines of the Insurance Company providing coverage.

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Authorization of Use & Legal Notice of Copyright

LongTermCareAlternatives.com hereby authorizes any person to access this website for informational purposes only. LongTermCareAlternatives.com reserves the right to terminate access to this website at any time without notice. This web site is not intended to infringe on the copyright of any individual or entity. The data, information and material included in this website may be copyrighted by LongTermCareAlternatives.com. All rights are reserved under the copyright laws of the United States of America. No part of this website can be redistributed, copied or reproduced without the prior written consent of LongTermCareAlternatives.com.

No Warranties

The user of this website assumes all responsibility and risk for the use of this website and the internet generally. LongTermCareAlternatives.com and its employees, agents, directors, officers and owners disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or non-infringement. LongTermCareAlternatives.com has the right to discontinue, change or update any data, information or material included in the website without prior notice, and LongTermCareAlternatives.com does not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this website. No advice or information given by LongTermCareAlternatives.com shall create any warranty. PISI does not warrant that the data, information and material included in the website or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this website is free of viruses or other harmful components. Several of our pages describe various insurance products, but the availability of a specific product may differ from state to state. The product descriptions are general in nature and the insurance coverage is subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us for additional information.

Disclaimer of Liability

In no event shall LongTermCareAlternatives.com or its employees, agents, directors, officers or owners be liable for any compensatory, special, direct, incidental, indirect, exemplary or consequential damages, or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this web site or on the Internet generally or on any other basis.

Disclaimer for Third Party Links

This website may contain links to third-party websites that are not controlled by LongTermCareAlternatives.com. These third-party links are made available to you as a convenience and you agree to use these links at your own risk.

Please be aware that LongTermCareAlternatives.com is not responsible for the content of third-party websites linked to LongTermCareAlternatives.com, nor is LongTermCareAlternatives.com responsible for the privacy policy or practices of third-party websites linked to LongTermCareAlternatives.com. Our Privacy Policy only applies to information we collect from you while you are actively in a connection with LongTermCareAlternatives.com. If you should link to a third-party website from PISI, we strongly encourage you to review and become familiar with that website’s privacy policy.

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Electronic Communications

LongTermCareAlternatives.com will not be deemed to have accepted any electronic communication unless LongTermCareAlternatives.com provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If LongTermCareAlternatives.com sends any electronic communication, LongTermCareAlternatives.com will assume the communication was received intact by the intended recipient. The recipient of such message must notify LongTermCareAlternatives.com if the transmission was not received or was not received in a readable format.

Security

Despite the security measures taken by LongTermCareAlternatives.com, there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and PISI disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote and has concern about the security of their personal information may apply in-person at a LongTermCareAlternatives.com’s office, may do so by calling LongTermCareAlternatives.com or by mailing an insurance application to LongTermCareAlternatives.com’s office.

Severability

Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Right to Amend Disclaimers, Legal Notices and Privacy Policy

We reserve the right to amend, modify, or change at any time and for any reason, any Disclaimers, Legal Notices, Privacy Policies, and any Policies associated with them, without providing you with advance notice of our intent to make the changes. If you have any questions about our privacy policy, please feel free to contact us at the LongTermCareAlternatives.com office during normal business hours.