Terms & Conditions

ProtectedToday · Effective Date: July 2, 2026

These Terms & Conditions ("Terms") govern your use of protectedtoday.com and your communications with ProtectedToday ("we," "us," or "our"). By using our website or providing your contact information to us, you agree to these Terms.

1. About Our Services

ProtectedToday provides information about Medicare-related and final expense insurance products and connects individuals with licensed insurance agents. We are not an insurance company, and we do not guarantee coverage, approval, or specific rates. Any insurance policy is subject to underwriting and approval by the applicable insurance carrier.

2. No Government Affiliation

ProtectedToday is a private organization and is not affiliated with, endorsed by, or connected to the U.S. government, Medicare, the Centers for Medicare & Medicaid Services (CMS), or the Social Security Administration.

3. Eligibility

Our services are intended for individuals 18 years of age or older who reside in the United States.

4. SMS Messaging Terms

By providing your mobile number and opting in, you consent to receive text messages from ProtectedToday related to appointment confirmations, benefit review reminders, and follow-up communications about insurance information you've requested. Message frequency varies. Message and data rates may apply. Reply STOP to cancel at any time, or HELP for assistance. Consent to receive text messages is not a condition of any purchase.

Carriers are not liable for delayed or undelivered messages. Not all mobile devices or carriers may be supported.

5. No Guarantee of Results

Information provided through our website or communications is for general informational purposes only and does not constitute insurance, legal, or financial advice. Final eligibility, pricing, and coverage terms are determined solely by the applicable insurance carrier.

6. Intellectual Property

All content on protectedtoday.com, including text, graphics, and logos, is the property of ProtectedToday unless otherwise noted, and may not be reproduced without permission.

7. Limitation of Liability

To the fullest extent permitted by law, ProtectedToday is not liable for any indirect, incidental, or consequential damages arising from your use of our website or communications with us.

8. Disclaimer of Warranties

Our website and communications are provided "as is" without warranties of any kind, express or implied.

9. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

10. Changes to These Terms

We may update these Terms from time to time. Continued use of our website or services after changes are posted constitutes acceptance of the updated Terms.

11. Contact Us

ProtectedToday
Email: daniel@protectedtoday.com
Website: protectedtoday.com