Terms of Use

1. Acceptance of Terms

By accessing or using this website (the "Site"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, you must not use this Site.

This Site is operated by Senior Insurance Scout, part of the Compare Media Group network ("we", "us", or "our").

2. Nature of Service (Referral Platform Only)

We operate as a marketing and referral platform.

We connect consumers with third-party providers, including licensed insurance agents, brokers, lenders, and financial service providers ("Partners").

We do not:

- Provide financial, insurance, or legal advice

- Recommend specific products or providers

- Compare the full market

- Act as a broker, agent, or intermediary

- Underwrite, issue, or service any product

All services are provided by independent third-party Partners.

3. No Advice or Reliance

All content on this Site is for general informational purposes only.

You acknowledge that:

- We do not assess suitability for your personal circumstances

- Any decision to engage with a Partner is your own

- Partners are solely responsible for advice, recommendations, and services

4. Referral Relationship & Compensation

We may receive a marketing fee or commission from Partners for referrals.

This does not impact the price you pay.

We do not endorse or guarantee any Partner.

5. Consent to Contact & Data Sharing

By submitting your information on this Site, you expressly consent to:

- Being contacted by one or more Partners

- Via phone, SMS, email, or other communication methods

- Including the use of automated dialing systems and prerecorded messages (where permitted by law)

You understand that:

- Your information may be shared with or sold to Partners

- Multiple providers may contact you

- Consent is not a condition of purchase

- You may opt out at any time via the methods provided

6. User Obligations

You agree that:

- All information provided is accurate and complete

- You have authority to provide such information

- You will not submit false or misleading data

- You will not use the Site for unlawful purposes

We reserve the right to restrict access for misuse.

7. Third-Party Providers

Once you are connected with a Partner:

- Your interaction is solely between you and that Partner

- Their terms, privacy policy, and practices apply

- We are not responsible for their conduct, advice, or services

8. No Guarantee of Outcomes

We do not guarantee:

- That you will be contacted

- The timing of any contact

- Eligibility for any product

- That you will receive a quote or approval

9. Intellectual Property

All content, branding, and materials on this Site are owned by us or our licensors.

You may not reproduce, distribute, or use any content without prior written consent.

10. Disclaimer of Warranties

This Site is provided on an "as is" and "as available" basis.

We make no warranties regarding:

- Accuracy

- Availability

- Reliability

- Suitability for any purpose

11. Limitation of Liability

To the maximum extent permitted by law:

We are not liable for any loss or damage arising from:

Use of this Site

Reliance on information

Interactions with any Partner

12. Jurisdiction

United States users: governed by the laws of Delaware

Australian users: governed by the laws of Queensland

13. Modifications

We may update these Terms at any time. Continued use of the Site constitutes acceptance of any changes.

14. Contact

For legal or compliance inquiries:

Email: [email protected]

Senior Insurance Scout™ is not an insurance provider, insurance agency, or licensed insurance broker. We operate as a free online referral service and lead generator that connects users with independent, licensed insurance professionals and third-party partners ("Partners"). We do not sell insurance products directly, underwrite policies, or make any determinations regarding your eligibility for coverage.

Services & Referrals

By submitting your information through this website, you acknowledge and agree that Senior Insurance Scout will share your details with our Partners, who may contact you directly to provide quotes or information. Enquiries are referred to third-party licensed advisors or providers who are solely responsible for the products and services they offer. Our Partners do not necessarily represent all insurance providers or products available in the marketplace.

Compensation Disclosure

Senior Insurance Scout receives advertising compensation from its Partners for providing referral services. This compensation may impact how and where partners appear on this site, including the order in which they are listed. Our listings do not constitute an endorsement or a recommendation of any specific provider or policy.

No Advice & Personal Responsibility

We do not provide financial, legal, taxation, or professional advice. The information, tools, and content on this Site are provided for general informational purposes only and are supplied on an "as is" basis. We make no representation that any insurance product is suitable for your specific needs. We strongly recommend that you consult with a licensed professional to review your personal objectives and financial situation before making any insurance or financial decisions.

TCPA Consent & Communication

By clicking "SUBMIT" (or the relevant call-to-action button), you provide your express written consent to be contacted by Senior Insurance Scout and/or our Partners at the phone number and email address provided. You agree that such contact may include the use of automated dialing systems, artificial or prerecorded voices, and SMS/text messages, even if your number is listed on a federal or state Do-Not-Call registry. Consent is not a condition of purchase. You may opt-out at any time by following the instructions provided in our communications or by contacting us to be added to our Internal Do Not Call List.

Equal Credit Opportunity & Non-Discrimination

Senior Insurance Scout does not discriminate on the basis of race, color, religion, national origin, gender, marital status, age, or the receipt of public assistance. We are committed to providing an inclusive platform for all users seeking insurance referrals.

Licensing & Regulatory Status

Senior Insurance Scout operates solely as a marketing lead generator and referral provider. We rely on applicable state "finder" and "referral" exemptions under various State Insurance Codes, which allow for the introduction of consumers to licensed professionals without an insurance producer license. Because Senior Insurance Scout does not sell, solicit, or negotiate insurance products, and does not provide comparisons or recommendations regarding specific policies, we are not required to hold individual state insurance agency or producer licenses.

California Privacy Rights

Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents have the right to opt-out of the sale or sharing of their personal information. If you are a California resident, please visit our Do Not Sell or Share My Personal Information page to exercise your rights.

Limitation of Liability

You use this Site and its content at your own risk. To the maximum extent permitted by law, Senior Insurance Scout, its affiliates, and its directors accept no liability for any loss or damage arising from your reliance on information provided on this Site or from the services provided by any Third-Party Partner.

Privacy & Terms

By using this Site, you acknowledge that you have read and agree to our Privacy Policy and Terms of Use.

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