1. Scope of Agreement

This Agreement is a legally binding contract between you and Wolfe Media, Inc. By using the Site, you agree to comply with all terms and conditions outlined herein. We do not guarantee the accuracy, completeness, or reliability of any information, content, or materials on the Site. All content is provided solely to assist users in exercising their own judgment, and your access and use of the Site are at your own risk.

2. Grant of License

We grant you a personal, revocable, limited, non-exclusive, non-transferable, and non-sublicensable license to use and access the Site solely for your personal, non-commercial use, provided you comply with this Agreement. You may not:

• Use the Site to create or enhance a competing service.
• Reverse-engineer or attempt to uncover any source code.
• Sub-license, rent, or resell access to the Site.
• Alter, adapt, or create derivative works.
• Bypass or disable security features.
• Use the Site for unlawful, fraudulent, or harmful activities.
• Remove or obscure copyright or trademark notices.
• Interfere with the Site’s functionality or other users’ experience.

3. User Obligations

You represent that you are at least eighteen (18) years old or the legal age of majority in your jurisdiction and that you will provide accurate and current information when using the Site. You are responsible for complying with all applicable laws. If accessing on behalf of an organization, you affirm you are authorized to do so.

If you are under the age of 18, you are not permitted to use or access this Site. We do not knowingly collect personal information from individuals under 18.

4. Account Registration and Security

If you create an account, you must:

• Provide accurate and updated information.
• Keep your credentials secure and confidential.
• Notify us immediately of any unauthorized use.

We are not responsible for any losses due to your failure to protect your login credentials. We reserve the right to suspend or terminate your account for any false or misleading information.

5. User Submissions

By submitting content ("User Content") to the Site, you agree:

• You own or have the rights to the content submitted.
• You grant Wolfe Media, Inc. a perpetual, royalty-free, irrevocable, sublicensable license to use it for any purpose.
• You are solely responsible for your submissions.
• You will not submit unlawful, harmful, or infringing content.

We reserve the right to remove any content at our discretion.

6. Data Privacy

Your use of the Site is also governed by our Privacy Policy. By using the Site, you agree to the collection, use, and sharing of information as described in our Privacy Policy. California residents may have additional rights as explained in the Privacy Policy.

7. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is owned by or licensed to Wolfe Media, Inc. and is protected under U.S. and international copyright and trademark laws. You may not copy, reproduce, or distribute any content without prior written consent. SeniorTopia is a trademark of Wolfe Media, Inc.

8. Third-Party Content and Links

The Site may include links or access to third-party content. We are not responsible for and do not endorse third-party services or websites. Any interactions with third-party providers are solely between you and the third party.

9. Medicare Information Disclosure

SeniorTopia.com may provide access to general Medicare-related educational content and the ability to connect with insurance agents specializing in medicare. Each localized version of the Site may identify one or more licensed Medicare agent(s) responsible for assisting users with Medicare-related inquiries in that geographic area. For example, in the San Diego region, Wolfe Media’s principal may serve as the featured broker and offer resources such as a newsletter or direct consultation. Keep in mind, not every medicare plan may be available in your area. Any information licensed agents provide will be limited to those plans they do offer in your area. Please contact Medicare.gov or 1 800 MEDICARE to get information on all of your options.

The Site does not publish specific Medicare plan information such as insurance carrier names, monthly premiums, deductibles, or plan benefits. Users seeking detailed plan information may contact the Medicare broker identified on the localized version of the Site for personalized assistance. These brokers operate independently and are solely responsible for the Medicare information and services they offer. Wolfe Media, Inc. does not directly collect Medicare enrollment data or protected health information through the Site.

10. Copyright Infringement (DMCA Policy)

If you believe content on our Site infringes your copyright, please send a notice under 17 U.S.C. §512(c)(3) to:

Wolfe Media, Inc. Attn: Copyright Agent 10755-F Scripps Poway Pkwy., #612 San Diego, CA 92131 Email: legal@wolfemedia.com

11. Compliance with Laws

You agree to use the Site in compliance with all applicable laws and regulations. Accessing the Site from outside the U.S. is at your own risk and responsibility.

12. Notice for California Users

Under California Civil Code §1789.3, users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at: 1625 N. Market Blvd., Suite N 112 Sacramento, CA 95834 Phone: (800) 952-5210

13. Disclaimer of Warranties

The Site and its content are provided “as is.” We disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose. We do not guarantee accuracy, availability, or that the Site will be error-free. Your use of the Site is at your own risk. Some jurisdictions do not allow certain exclusions, so parts of this disclaimer may not apply to you.

14. Limitation of Liability

Wolfe Media, Inc. shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of the Site. Some states do not allow such limitations, so this may not apply to you.

15. No Professional Advice

Content on the Site is for informational purposes only. It does not constitute professional medical, legal, financial, or health advice. You should consult appropriate professionals before making decisions.

16. Indemnification

You agree to indemnify and hold harmless Wolfe Media, Inc. and its affiliates from any claims, losses, or liabilities arising from your use of the Site or any breach of this Agreement.

17. Termination

We may suspend or terminate your access at any time for any reason. Upon termination, your license ends, but provisions related to IP, disclaimers, indemnity, and dispute resolution will survive.

18. Relationship of the Parties

This Agreement does not create a partnership, agency, or employment relationship between you and Wolfe Media, Inc.

19. OTHER AGREEMENTS

Failure to enforce any part of this Agreement shall not waive our rights. If any part is deemed invalid, the remaining provisions will remain in effect.

20. Arbitration and Class Action Waiver

By using the Site, you agree to resolve any disputes through binding arbitration administered by a recognized arbitration body in San Diego County, California, rather than in court. You waive any right to participate in class or representative actions. This arbitration clause applies to all disputes arising from or relating to this Agreement or your use of the Site, except where prohibited by law. You may opt out of arbitration by notifying us in writing within 30 days of first accepting this Agreement.

21. Governing Law and Venue

This Agreement shall be governed by the laws of the State of California, without regard to its conflict of law principles. Except as otherwise provided in Section 20 (Arbitration), any legal action permitted under this Agreement (including actions to compel arbitration or enforce an arbitration award) shall be brought exclusively in the state or federal courts located in San Diego County, California. You consent to the jurisdiction and venue of such courts.

22. Modifications

We may modify this Agreement at any time by posting updated terms. Continued use of the Site constitutes acceptance of the revised terms.

23. Contact Us

If you have any questions about these Terms, you may contact us at: Wolfe Media, Inc. 10755-F Scripps Poway Pkwy., #612 San Diego, CA 92131 Email: support@seniorTopia.com

Thank you for visiting SeniorTopia.com.