Terms of Service
Regan Assurance, a Limited Liability Company doing business as "Right Path to 65" ("Right Path to 65," "we," "us," or "our"), is a licensed insurance agency located in Conroe, Texas. These Terms of Service ("Terms") govern your access to and use of our website and services. By accessing our website, submitting a form, or communicating with us, you agree to these Terms. If you do not agree, please do not use our website or services.
1. About Our Services
Right Path to 65 provides Medicare insurance guidance and enrollment assistance through licensed insurance agents. We help eligible individuals understand and compare the Medicare plans we offer in their area, including Medicare Advantage, Medicare Supplement, and Part D prescription drug plans. This is a solicitation for insurance. A licensed insurance agent may contact you.
2. No Government Affiliation
Right Path to 65 is not connected with or endorsed by the United States Government, the federal Medicare program, or any state agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. To learn about all of your options, please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227).
3. No Insurance or Legal Advice
Information provided on our website and during consultations is for general informational purposes and does not constitute insurance, legal, tax, or financial advice. Plan availability, benefits, premiums, and eligibility are determined by the insurance carriers and applicable regulations, not by Right Path to 65. You are responsible for reviewing plan documents and confirming details before enrolling.
4. Eligibility
You must be at least 18 years of age to use our website and services. By using our services, you represent that the information you provide is accurate and that you are the subscriber or customary user of any phone number you provide.
5. SMS Text Messaging Program and Communications Consent
By submitting your information or opting in, you consent to be contacted by Right Path to 65 (a DBA of Regan Assurance) and its authorized representatives at the phone number and email address you provide, including by automated technology, text message, and prerecorded or artificial voice messages, for the purposes you have consented to. Consent is not a condition of purchasing any product or service. Message frequency varies, and message and data rates may apply.
SMS Program Description and Messaging Use Cases
Our SMS text messaging program sends both promotional/marketing and transactional/informational messages to individuals who have opted in. The types of messages you may receive include:
- Marketing and promotional: Medicare plan options, quotes, enrollment-period reminders, plan reviews, educational content, and related offers;
- Transactional and service-related: appointment scheduling, confirmations, reminders, application and enrollment status, plan documents, customer-service follow-ups, and account servicing.
Message frequency varies based on your interactions with us. Message and data rates may apply. You may opt out of text messages at any time by replying STOP, and you may request help by replying HELP or by contacting us using the details in Section 14.
Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages. Delivery of messages is subject to effective transmission by your wireless carrier and is not guaranteed. Right Path to 65 is not responsible for any delays, failures in delivery, or errors in messages that result from carrier limitations, network conditions, or factors outside our reasonable control.
Mobile information and consent records (including phone numbers and SMS opt-in data) will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors and service providers in support of our Services (such as CRM, calendar, messaging, or compliance providers) is permitted only for the purpose of delivering those Services to you.
For full details, see our Privacy Policy.
6. Acceptable Use
You agree not to use our website or services to:
- Violate any applicable law or regulation;
- Provide false, misleading, or fraudulent information;
- Interfere with or disrupt the website, servers, or networks;
- Attempt to gain unauthorized access to any portion of the website or related systems.
7. Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of Right Path to 65 (Regan Assurance) or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written permission.
8. Third-Party Links
Our website may contain links to third-party websites, including insurance carriers and government resources. We are not responsible for the content, accuracy, or practices of any third-party website. Links are provided for convenience and do not constitute an endorsement.
9. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or secure.
10. Limitation of Liability
To the fullest extent permitted by law, Right Path to 65 and its representatives will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if advised of the possibility of such damages.
11. Indemnification
You agree to indemnify and hold harmless Right Path to 65 (Regan Assurance) and its representatives from any claims, damages, losses, or expenses arising out of your use of our website or services or your violation of these Terms.
12. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. Any dispute arising under these Terms will be subject to the exclusive jurisdiction of the state and federal courts located in Texas.
13. Changes to These Terms
We may update these Terms from time to time. The "Last updated" date reflects the most recent revision. Your continued use of our website or services after changes are posted constitutes acceptance of the updated Terms.
14. Contact Us
Right Path to 65 (a DBA of Regan Assurance)
709 N Thompson St, Conroe, TX 77301
Phone: +1 (281) 872-6206
Email: [email protected]