Terms & Conditions

Welcome to the The Senior Center Associates Corp. website (“Company,” “The Senior Center Associates Corp.,” “we,” or “us”). These terms and conditions (referred to as the “Terms of Use”), along with any documents specifically mentioned and included by reference, oversee your usage and access of the website https://aca-advocates.com, including all the website content, features, and services accessible through the website and any related apps, communication channels, networks, or additional services offered by us (collectively known as the “Services”). These terms are applicable whether you are a guest visitor or a registered user of the aca-advocates.com.

Please carefully analyze these Terms of Use before you begin exploring the Website. By utilizing the Website, which encompasses actions such as submitting a request for quotes through the Website or clicking to accept or agree to these provided Terms of Use when the option is presented to you, you acknowledge and consent to adhere to these Terms of Use and our Privacy Policy, accessible at https://aca-advocates.com/privacy-policy/. Additionally, for permanent residents of California, the Privacy Notice found at https://aca-advocates.com/privacy-policy/ supplements the Privacy Policy and is included here by reference. All details collected on aca-advocates.com are subject to our Privacy Policy. If you do not wish to accept these Terms & Conditions or the Privacy Policy, please refrain from accessing or using the Website.

We secure the right to amend these Terms of Use at our discretion. All changes become effective instantly upon posting & apply to all following access and use of the Website. Our approach is to publish any updates made to these Terms of Use on this exclusive page, along with an acknowledgement notice on the Website’s home page. In the event of major changes to these policies, we will update you by forwarding an email at the primary email address provided in your profile or by publishing a notice on the Website’s home page. However, any major updates to the dispute decision provisions outlined in the Governing Law & Jurisdiction section will not be applicable to disputes for which the parties have received actual notice on or before the modification is posted on the Website. You are accountable for ensuring that we have your current, active & deliverable email address.

Your nonstop use of the Website or any of our provided Services after the publication of revised Terms of Use implies your acceptance and agreement to these changes. It is expected that you regularly review this specific page to stay informed about any modifications, as they are legally binding on you.

I. Services

aca-advocates.com offers users the chance to obtain insurance quotes from different insurance service providers, including brokers, insurance carriers & agents. Please note that aca-advocates.com is not an insurance manager or carrier. We do not (i) support particular insurance providers or types of insurance policies, (ii) give any form of insurance recommendation, or (iii) assurance that any service provider will speak to you or agree to offer you with coverage. We do not bear responsibility for the actions of insurance service providers coordinated with your Quote Request Form. The coverage offered by any service provider will depend on the relevant terms & conditions outlined in the insurance policy.

II. Eligibility

This Website and our Services are designed for individuals who are 18 years old or older and who live in the United States or its territories and possessions. By utilizing this Website, you affirm and assure that you satisfy the legal age prerequisites for entering into a binding contract with the Company and meet all the eligibility criteria mentioned. If you do not meet these criteria, you are prohibited from accessing the Website or any of the Services.

III. Accessing the Website and Account Security

We retain the authority to either withdraw or alter this Website, including any services or materials furnished on it, solely at our discretion, without prior notice. We shall not be responsible if, for any cause, any or all of the Website becomes inaccessible at any given time or for any duration. From time to time, we may restrict access to particular segments of the Website or the Website in its entirety for users.

While you can explore the Website without creating an account, accessing some of the Services will necessitate account registration and/or completion of a Quote Request Form. The information required for the Quote Request Form depends on the specific insurance quote sought and may include details like your e-mail address, contact number, DoB, gender, vehicle detail, incidents & insurance status, homeowner status, driver’s license status, credit score, marital status, and military status (collectively referred to as “User Data”).

User Data pertains to the data you furnish for the acquisition of insurance quotes, encompassing your credit score. You hereby recognize that all data provided during registration on this Website, for the purpose of receiving an insurance quote, or through any interactive features of the Website, is governed by our Privacy Policy. You agree to all actions taken by us in relation to your information in compliance with our Privacy Policy.

You further affirm and agree that the User information you furnish on the Website is accurate, and up-to-date, and that you bear sole responsibility for the accuracy and content of such User Data.

When you signup, you will be required to create a password or provide other related details as part of our security measures, and you will receive a username. You agree that you must treat such details as confidential and must not reveal it to any other individual or entity. You also recognize that your registered account is strictly personal to you, and you commit not to share with any other person access to this Website or any of its sections using your user ID, password, or other security data. Should you become aware of any illegal account access to or use of your user ID or security code or any other security breach, you agree to promptly inform us. It is essential to exercise caution when using your registered account or our Services from a public or shared computer to prevent others from viewing your credentials. You bear full liability for all activities carried out under your user account.

We uphold the right to block any username, password, or any unauthorized identifier, whether selected by you or provided by us and to remove or delete any User Data at any time at our sole discretion, with or without reason. This includes situations where, in our judgment, you have desecrated any provision of these Terms of Use.

By providing us with your contact details through the Website or any of our Services, you agree to receive correspondence from us. These communications can be conveyed directly on our Website or through a third party, which may encompass emails, telephone calls, and SMS messages. We might also get in touch with you via phone using an automated dialing system, a pre-recorded message, or an interactive voice response system. These calls may have informational and promotional objectives, such as sharing details about aca-advocates.com services or your insurance requests. You may incur standard text message and minute charges, as determined by your mobile phone carrier.

If you desire to stop receiving these messages, you can either use the unsubscribe choices within the email or get in touch with aca-advocates.com via privacy@medigapinstantquotes.com. You can also modify your contact details by contacting us through privacy@medigapinstantquotes.com or by updating your online user account. Additionally, when you request quotes through our specialized Services, you agree to be contacted by the service providers via email or phone. Requests to cease these communications should be directed to the relevant service provider.

IV. Personal Use

We are offering the Services to you for your individual and non-commercial use only. You are prohibited from (and you consent not to) utilizing, copying, distributing, transmitting, broadcasting, selling, or participate in any other actions involving the Services for any alternative intention.

We maintain the right to terminate any feature of the Website and the Services anytime.

V. Intellectual Property Rights

The Website, including all its contents, features, and functionality (referred to as the “Licensed Content”), belongs to the Company, its licensors, or other individuals or entities that provide this material. It is protected by U.S. and international laws governing copyright, trademark, patent, trade secret, and other intellectual property rights. The Company’s trademarks, such as its name, logo, and associated names, logos, product and service names, designs, and slogans, are the property of the Company, its affiliates, or licensors. You are not allowed to use these marks without obtaining prior written consent from the Company.

The Senior Center Associates Corp. grants you an individual, non-transferable, and non-exclusive permission to utilize the Website on a computer or another device, enabling access to the Licensed Content. However, you must refrain from copying, reproducing, distributing, reverse engineering, or exploiting any content, code, data, or materials discovered on the Website, either personally or by allowing a third party to do so. You are also obligated not to make any alterations to the Website or use modified versions of the Website for any purpose. Except as explicitly stated in this Section V, no ownership, rights, or interests related to the Website or any Licensed Content are transferred to you. The Senior Center Associates Corp., its licensors, and other providers retain full ownership, rights, and interests (including all copyrights, trade secrets, trademarks, patents, and other rights) regarding the Website (including its interface and any underlying software or technology) and the Licensed Content. Any utilization of the Website or the Licensed Content not expressly authorized by these Terms of Use constitutes a violation of these Terms of Use and may result in infringement of copyright, trademark, and other applicable laws.

You are permitted to utilize the Licensed Content exclusively in conjunction with the utilization of the Services and solely in compliance with the explicit permissions granted. Engaging in actions such as reproduction, distribution, modification, creation of derivative works, public display, public performance, republication, downloading, storage, or transmission of any portion of the Licensed Content is prohibited.

Should you breach these Terms of Use through actions such as unauthorized printing, copying, alteration, downloading, or any form of access provision to any Website content, your Website usage privileges will be promptly revoked. At our discretion, you will be required to either return or eliminate any duplicates of the materials you have generated.

VI. User Contributions

The Website may contain various interactive features, such as personal profiles and bulletin boards, collectively known as “Interactive Services.” Through these Interactive Services, users have the capability to post, submit, publish, display, or transmit content and materials, which we refer to as “User Contributions,” on or via the Website.

All User Contributions must comply with the Content Standards as described in these Terms of Use. You bear sole responsibility for any User Contribution you share or publish on the Website and the potential consequences of your actions. We are not accountable or liable to any third party for the content or accuracy of User Contributions posted by you or any other user of the Website.

Any User Contribution you submit on the Website is considered non-confidential and non-proprietary. By providing a User Contribution on the Website, you grant us, our affiliates, service providers, and their respective licensees, successors, and assigns the right to use, adapt, modify, perform, display, distribute, and disclose such material to third parties for any purpose.

You confirm and guarantee that you either own or have full control over all rights related to the User Contributions and possess the authority to provide the license as described above to us, our affiliates, service providers, and their respective licensees, successors, and assigns. All of your User Contributions must adhere to these Terms of Use.

VII. Prohibited Uses and Content Standards

You are permitted to utilize the Website and the Services solely for lawful purposes and in adherence to these Terms of Use. You consent not to employ the Website or the Services in the following ways:

In any manner that violates any relevant federal, state, local, or international law or regulation, including regulations concerning data or software transfer to and from the United States or other countries
To exploit, injure, or endeavor to exploit or harm minors in any manner, such as exposing them to inappropriate content, requesting personally identifiable information, or participating in any other harmful activities.
To transmit, knowingly receive, upload, download, utilize, or re-utilize any material that fails to comply with the Content Standards delineated in Section VII.
To dispatch, solicit the sending of, or partake in any form of advertising or promotional activities, which includes sending “spam,” “chain letters,” “junk mail,” or any analogous solicitations.
To impersonate or make an effort to impersonate the Company, a Company employee, another user, or any other individual or entity, including the use of email addresses associated with any of the aforementioned.
To engage in any behavior that might limit or hinder the use or pleasure of the Services by others or that, as determined by us, could damage the Company, the Website users, or expose them to liability.
To publish User Contributions that include defamatory, indecent, obscene, abusive, offensive, hateful, violent, inflammatory, harassing, or otherwise objectionable material.
To publish User Contributions that advocate sexually explicit or pornographic content, aggression, or bias based on age, sexual orientation, disability, nationality, religion, sex, race, or any other factor.
To publish User Contributions that violate upon intellectual property or other rights, including copyrights, trade secrets, trademarks, patents, or any other rights of any individual or entity.
To publish User Contributions that breach the legal rights of others, such as rights of privacy and publicity, or contain material that may result in civil or criminal liability under applicable laws or regulations or that contradict these Terms of Use and our Privacy Policy.
To publish User Contributions that are expected to mislead any person.
To publish User Contributions that encourage unlawful activities or endorse, advocate, or facilitate any unlawful acts.
To publish User Contributions containing inaccurate information, falsehoods, or misrepresentations that could harm us or others.

Furthermore, you agree not to:

Utilize the Website in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Website, including their ability to engage in real-time activities through the Website.
Utilize any automaton, spider, or other autonomous mechanism, procedure, or method to gain access to the Website for any purpose, including the monitoring or replication of any content on the Website.
Employ any manual procedure to oversee or duplicate any content present on the Website or for any other unlawful objective without obtaining our explicit written permission.
Utilize any device, software tool, or regimen that obstructs the proper performance of the Website or the Services.
Introduce any malicious or technically detrimental content such as logic bombs, viruses, worms, or any other harmful material.
Endeavor to acquire unofficial access to, disrupt, damage, or obstruct with any component of the Website, or the server where the Website is hosted, or any computer, or database linked to the Website.
Carry out an attack on the Website through a denial-of-service attack or a distributed denial-of-service attack.
Alternatively, attempt to disrupt the orderly functioning of the Website or the Services in any manner.

VIII. Oversight and Enforcement; Termination

We retain the following rights:

To eliminate or decline to publish any User Contributions, at our sole discretion, for any reason or none at all.
To take any measures we consider necessary or appropriate, at our sole discretion, regarding any User Contribution. This includes instances where we think that a website User Contribution break these conditions, including the website Content Standards outlined in Section VII, infringes upon the intellectual belongings rights or other rights of any individual or entity, poses a threat to the personal protection of users or the general public, or could potentially result in responsibility for the Company.
Disclosing your identity or any other details about you to any third party who asserts that the content you’ve posted infringes upon their rights, whether intellectual property or privacy rights.
Commencing legal proceedings, which may include, among other things, reporting issues to law enforcement in reaction to any unlawful or unauthorized utilization of the Website.
Suspending or discontinuing your access to certain parts or the entirety of the Website, with or without a specific reason, encompasses instances such as a breach of these Terms of Use.

Additionally, we have the authority to collaborate entirely with any law enforcement agencies or court mandates that seek or instruct us to reveal the identity or other details of any person who posts content on the Website. YOU WAIVE AND DISCHARGE THE COMPANY, ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS FROM ANY CLAIMS ARISING OUT OF MEASURES UNDERTAKEN BY ANY OF THESE ENTITIES DURING OR AS A RESULT OF THEIR INVESTIGATIONS, AS WELL AS FROM ANY ACTIONS TAKEN AS A RESULT OF INVESTIGATIONS CONDUCTED BY SUCH ENTITIES OR LAW ENFORCEMENT AUTHORITIES.

Please be aware that we do not commit to reviewing material prior to its publication on the Website, and we cannot guarantee the swift removal of objectionable material after it has been posted. As such, we bear no responsibility or liability for any action or inaction related to transmissions, communications, or content provided by any user or third party. We accept no liability or responsibility toward anyone for the execution or non-execution of the activities delineated in Section VI and Section VIII.

IX. Digital Millennium Copyright Act

Notification Pursuant to DMCA. We adhere to the requirements of the Digital Millennium Copyright Act relevant to internet service providers (17 U.S.C. §512, as amended). Should you have any complaints related to intellectual property rights regarding material posted on the Website, please feel free to reach out to our Designated Agent:

Phone: (800) 509-1690

Notice Procedure. Should you wish to file a report concerning any materials hosted or disseminated via the Services that you suspect infringe upon your intellectual property rights, kindly make certain that your notification encompasses the subsequent particulars:

An e-signature or physical signature from the individual duly authorized to act on behalf of the copyright or other intellectual property rights holder.
An explication of the copyrighted work or alternate intellectual property right you believe has incurred infringement.
A detailed depiction of the particular material you assert is infringing, along with its location on the Services.
Your contact details, comprising your postal address, phone number, and email address.
An affirmation from you stipulating that you hold a bona fide belief that the utilization of the materials on the Services lacks authorization from the copyright owner or its representative or is in violation of the law.
A declaration furnished by you, affirmed under the penalty of perjury, verifying the precision of the information presented in your notification, along with confirmation of your status as either the copyright owner or an authorized representative thereof.
We kindly urge you to ensure that your notification incorporates all of the above-mentioned particulars to facilitate our efficient handling of your concerns.

Repeat Offenders: The Senior Center Associates Corp. reserves the right to expeditiously close the accounts of users we identify as “Repeat Infringers” without prior notice. A “Repeat Infringer” is a user who has received notifications of infringing activities or has had their User Contributions removed from the Website on at least two occasions.

X. Dependence on Information Posted

The information provided on or via the aca-advocates.com is exclusively intended for general informational purposes. We make no assurances regarding the accuracy, comprehensiveness, or usefulness of this information. Your reliance on such information is entirely at your own peril. We disclaim all responsibility and liability arising from any trust vested in these materials by you or any other Website visitor or anyone who becomes aware of its contents.

This Website includes content supplied by third parties, which incorporates materials provided by other users and third-party licensors, affiliates, aggregators, and insurance service providers. All assertions and/or viewpoints articulated in these materials, along with all articles and responses to queries and other content, except for the content provided by the Company, are exclusively the viewpoints and obligations of the individual or entity providing those materials. These resources do not inherently represent the perspective of the Company. We are not answerable or accountable to you or any 3rd party for the content or accuracy of any resources presented by any third parties.

XI. Amendments to the Website

Periodically, we may revise the content on this Website; however, its content may not always be comprehensive or up to date. Any materials on the Website may become obsolete at any given instant, and aca-advocates.com is not obligated to update such materials.

XII. Linking to the Website and Social Media Features

The Senior Center Associates Corp. might provide features within the Services that enable you to export data, including User Contributions, to third-party platforms. This includes features that let you link your The Senior Center Associates Corp. account with an account on a third-party service like Facebook or Google or the integration of third-party buttons (e.g., “like” or “share” buttons). By using these tools, you consent to the transfer of your information to the relevant third-party service. We have no authority over these third-party services, and we do not assume responsibility for how they handle the data you export. It is essential that the website you link to or where you make content available complies with the Content Standards outlined in these Terms of utilization.

You consent to collaborate with us in swiftly discontinuing any unsanctioned framing or linking. Our prerogative is to revoke linking permissions without advance notice. We hold the discretion to, at any time and without notice, deactivate any or all social media features and links.

XIII. Links from the Website

If the Website contains links to other websites and resources provided by third parties, these links are offered solely for your convenience. This encompasses links contained in advertisements and insurance quotes, including banner advertisements and sponsored links. We have no control over the content of these sites or resources and assume no responsibility for them or any loss or damage that may result from your use of these links. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for those websites.

XIV. Geographic Restrictions

We have designed this Website for use exclusively by individuals located in the United States. We do not make any claims that the Website or its content is accessible or suitable outside the United States. If you choose to access the Website from a location outside the United States, you do so at your discretion and are responsible for complying with local laws.

XV. Disclaimer of Warranties

You recognize that we cannot and do not guarantee or assure that files accessible for downloading from the internet or the Website will be devoid of viruses or other malicious code. It is your responsibility to establish adequate procedures and safeguards to meet your specific needs for antivirus protection and ensure the accuracy of data input and output. You should also have an external means for data recovery apart from our Website. Your utilization of the Services is undertaken at your own risk. The Services are provided on an “as is” and “as available” basis. The Senior Center Associates Corp. and its affiliates, suppliers, and partners explicitly disclaim all kinds of warranties, whether express or implied, encompassing but not confined to the implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement.

The Senior Center Associates Corp. and its affiliates, suppliers, and partners do not provide any warranty that:

We cannot guarantee that the Website or the Services will meet your requirements.
The Website or the Services may not always be available, timely, secure, or free of errors.
Any materials obtained through the use of the Website or the Services are at your own discretion and risk.
The Senior Center Associates Corp. does not guarantee the absence of errors in the Website or the Services, nor do we commit to correcting any errors.

Any materials obtained through the use of the Website or the Services are at your own discretion and risk. The Senior Center Associates Corp. is not liable for any damage to your computer, data loss, or any issues caused by bugs, viruses, trojan horses, or other harmful code resulting from using the Website or the Services.

This disclaimer does not affect any warranties that cannot be excluded or limited by applicable law.

XVI. Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, AGENTS, OFFICERS, EMPLOYEES, OR DIRECTORS BE ACCOUNTABLE FOR ANY COMPENSATION OF ANY KIND, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, ARISING OUT OF OR IN ASSOCIATION WITH YOUR UTILIZATION, OR FAILURE TO USE, THE WEBSITE, ANY WEBSITES CONNECTED TO IT, ANY PROVIDED INFORMATION ON THE WEBSITE OR SUCH OTHER SITES, OR ANY SERVICES OR MATTER GOT THROUGH THE SITE OR SUCH OTHER WEBSITES, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, LOSS OF REVENUE, PAIN & SUFFERING, LOSS OF PROFITS, LOSS OF GOODWILL, EMOTIONAL DISTRESS, LOSS OF DATA, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF PREDICTABLE.

The previous statement doesn’t alter any responsibility that cannot be exempted or restricted according to relevant laws.

XVII. Indemnification

You consent to protect, indemnify, and absolve the Company, its affiliates, licensors, and service providers, along with their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns, from any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) stemming from or connected to your breach of these Terms of Use or your utilization of the Website. This includes but is not limited to, your User Contributions, any utilization of the Website’s content, services, and products that goes beyond what is explicitly allowed in these Terms of Use, or your use of information acquired from the Website.

XVIII. Governing Law and Jurisdiction

Each and every matter concerning the Website and these Terms of Use, including any dispute or claim arising from them, whether contractual or non-contractual, shall be governed by and interpreted in accordance with the internal laws of the State of Delaware, without regard to conflicts of law principles.

You consent that any legal suit, action, or proceeding arising from or connected to these Terms of Use or the Website will be exclusively filed in the federal courts of the United States or the state courts of the State of Delaware. You hereby relinquish any objections to the jurisdiction of these courts and to the location where such legal proceedings are conducted.

XIX. Limitation on Time to File Claims

IF YOU HAVE ANY LEGAL DISPUTE OR CLAIM CONNECTED TO THESE TERMS OF USE OR THE WEBSITE, YOU MUST INITIATE IT WITHIN ONE YEAR FROM WHEN THE ISSUE FIRST ARISES. FAILING TO DO SO WILL RESULT IN YOUR CLAIM BEING PERMANENTLY INVALID.

XX. Class Action Waiver

You hereby consent to resolve any dispute or claim related to these Terms of Use or the Website individually, and you shall not combine such a claim with those of others or initiate, join, or partake in a class action against the Company.

XXI. Waiver and Severability

The Company will not be considered to have given up any of its rights or agreed to waive any of the terms or conditions in these Terms of Use, even if it does not enforce them consistently. If a court or another competent tribunal determines that any part of these Terms of Use is invalid, illegal, or unenforceable for any reason, that part will be removed or limited to the smallest extent necessary. The remaining provisions of these Terms of Use will remain fully effective.

XXII. Entire Agreement

The Terms of Use, our Privacy Policy, and our Advertising Disclosure collectively form the complete understanding between you and The Senior Center Associates Corp. concerning the Website and its Services, overriding any previous or concurrent written or spoken agreements, representations, or warranties related to the Website & its Services.

XXIII. Contact Information

This website is operated by The Senior Center Associates Corp.. All comments, feedback, requests for technical assistance, and other communications linking to the Website should be headed to privacy@medigapinstantquotes.com

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