Terms and Conditions

1. Insurance Solicitation and Scope

This website is a solicitation for insurance.

MorCare Solutions, LLC is an independent insurance agency, and Lorette Morlan is a licensed independent insurance agent serving clients in Georgia and Florida.

When appropriate, MorCare Solutions may work with or refer consumers to appropriately licensed partners in additional states.

We do not offer every plan available in your area. Please contact Medicare.gov, call 1-800-MEDICARE or contact your local State Health Insurance Assistance Program to obtain information about all available options.

Insurance products, availability, benefits, premiums, copayments, service areas, eligibility requirements and terms may vary and are subject to change.

Insurance services are offered only where appropriately licensed.

2. Non-Government Affiliation

MorCare Solutions, LLC and Lorette Morlan are independent insurance professionals and are not connected with or endorsed by the United States government or the federal Medicare program.

3. Educational Information

Content provided through this website is for general educational and informational purposes. It is not a complete description of all Medicare or insurance benefits, options, coverage terms or enrollment requirements.

Nothing on this website constitutes medical, legal, tax, accounting or investment advice. Visitors should consult an appropriately licensed professional regarding their individual circumstances.

4. SMS Text-Messaging Program

4.1 Program Description and Message Types

MorCare Solutions, LLC provides informational, service-related and promotional SMS messaging to users who affirmatively opt in.

Messages may include:

• Appointment confirmations and reminders
• Event-registration confirmations
• Event updates and reminders
• Webinar notifications
• Educational information and resources
• Customer-service communications
• Service announcements
• Information about upcoming events and insurance services
• Marketing or promotional offers when separate marketing consent has been provided

4.2 Consent

Providing a telephone number or submitting a website form does not, by itself, constitute consent to receive SMS messages.

SMS consent is provided only when a user affirmatively selects the applicable, unchecked consent box on a MorCare Solutions website form.

Consent to receive marketing or promotional text messages is optional and is not a condition of purchasing any property, goods or services.

4.3 Message Frequency and Charges

Message frequency varies depending on your appointments, event registrations, webinar registrations, requests and communication preferences.

Message and data rates may apply according to the terms of your mobile-service plan. MorCare Solutions, LLC does not charge a separate fee for participating in its SMS program.

4.4 Opting Out

You may opt out of SMS messages at any time by replying STOP to any message.

After submitting an opt-out request, you may receive one final message confirming that you have been unsubscribed.

4.5 Help and Support

Reply HELP to any SMS message for assistance.

You may also contact MorCare Solutions, LLC at:

Phone: (470) 665-5359

Email: info@morcaresolutions.com

4.6 Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Message delivery is subject to effective transmission by your wireless carrier and is outside the control of MorCare Solutions, LLC.

4.7 Eligibility and Age Restriction

The MorCare Solutions SMS program is intended only for individuals who are at least 18 years old.

By enrolling in the SMS program, you confirm that you are 18 years of age or older and are authorized to use the telephone number provided.

4.8 Privacy

Information collected through the SMS program is handled according to our Privacy Policy:

https://www.MorCareSolutions.com/privacy

SMS opt-in data, mobile telephone numbers and consent information are not shared with third parties or affiliates for their marketing or promotional purposes.

5. Telephone Calls and Voice Communications

When you affirmatively consent, MorCare Solutions, LLC and Lorette Morlan may contact you by telephone regarding your inquiry, requested services, appointments, events or insurance information.

If the consent disclosure associated with a form specifically authorizes it, calls may be made using automated technology or a prerecorded or artificial voice.

Consent to receive marketing calls is optional and is not a condition of purchasing any property, goods or services. You may request that marketing calls stop at any time.

6. Email Communications

When you provide your email address and affirmatively opt in, MorCare Solutions, LLC may send informational, service-related, educational or promotional emails.

You may unsubscribe from marketing emails at any time by using the unsubscribe link included in the email.

7. Website Use

You agree to use this website only for lawful purposes. You may not:

• Attempt to gain unauthorized access to the website or its systems
• Interfere with website security or functionality
• Upload malicious code
• Use unauthorized automated scraping or data-mining tools
• Impersonate another person
• Submit false or misleading information
• Collect information about other users without authorization
• Copy or commercially exploit website content without permission
• Use the website to harass, threaten or harm another person

8. Intellectual Property

Unless otherwise indicated, the website’s design, functionality, text, photographs, graphics, video, audio, logos and other content are owned by or licensed to MorCare Solutions, LLC and are protected by applicable intellectual-property laws.

You may access and print reasonable portions of the content for personal, noncommercial use.

You may not reproduce, distribute, sell, republish, modify or commercially exploit website content without written permission.

9. No Guarantee of Coverage

Submitting a form, scheduling a consultation, registering for an event or webinar or communicating with MorCare Solutions, LLC does not guarantee eligibility, enrollment, coverage, benefits, premium amounts or acceptance by an insurance carrier.

Coverage becomes effective only after all applicable requirements are satisfied and the appropriate insurance carrier confirms enrollment or coverage.

10. Purchases and Payments

The website may offer paid products, services, event registrations or other offerings.

When a paid offering is available, the applicable price, accepted payment methods, billing terms, cancellation terms and refund policy will be displayed before purchase.

You agree to provide current, complete and accurate purchase information.

MorCare Solutions, LLC may correct pricing errors, refuse or cancel an order or limit availability when reasonably necessary.

11. Third-Party Services and Links

This website may contain links to third-party websites or services, including Medicare.gov, insurance carriers, scheduling systems and enrollment platforms.

MorCare Solutions, LLC does not control and is not responsible for the content, availability, security, privacy practices or terms of third-party websites.

12. Website Availability

We may modify, suspend or discontinue all or part of the website or services when reasonably necessary.

We cannot guarantee that the website or services will remain available at all times or be free from interruptions, delays or errors.

13. Disclaimer

The website and related services are provided on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, MorCare Solutions, LLC disclaims warranties regarding the completeness, accuracy, reliability, availability or suitability of the website and its content.

Insurance information may change, and visitors should review official carrier and policy documents before making decisions.

14. Limitation of Liability

To the extent permitted by applicable law, MorCare Solutions, LLC, Lorette Morlan and their representatives will not be responsible for indirect, incidental, special, consequential, exemplary or punitive damages arising from:

• Your use of or inability to use the website
• Reliance on general website information
• Delayed or undelivered electronic communications
• Third-party websites or services
• Interruptions, errors or security incidents outside our reasonable control

15. User Information and Privacy

Information you submit through the website is handled according to our Privacy Policy:

https://www.MorCareSolutions.com/privacy

16. Governing Law and Venue

These Terms and Conditions and your use of the website are governed by the laws of the State of Georgia, without regard to conflict-of-law principles.

If a dispute proceeds in court, it must be brought in an appropriate state or federal court located in Fulton County, Georgia.

The parties consent to the jurisdiction of those courts.

17. Changes to These Terms

We may update these Terms and Conditions periodically. Changes will be posted on this page with an updated effective date.

Continued use of the website after changes are posted constitutes acceptance of the revised Terms and Conditions.

18. Contact Information

For questions concerning these Terms and Conditions, the SMS program or the website, contact: