Terms and Conditions

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP), to get information on all of your options. 

This is a proprietary website and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services, or the Center for Medicare and Medicaid Services (CMS). This site contains decision-support content and information about Medicare, services related to Medicare, and services for people with Medicare. 

If you would like to find more information about the Medicare program, please visit the official U.S. government site for people with Medicare, which is located at www.Medicare.gov.

By accessing or using our website, you agree to comply with and be bound by the following Terms and Conditions. Please read these carefully before using our services. If you do not agree to these terms, you should not use our website.

1. Acceptance of Terms

By using this website, you agree to abide by these Terms and Conditions and any policies or guidelines incorporated herein by reference. These terms may be updated at any time, with any changes posted on this page. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

2. Use of the Website

You agree to use the website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit the use and enjoyment of this site by any third party. Prohibited behavior includes, but is not limited to, harassing or causing distress to any person, transmitting obscene or offensive content, or disrupting the normal flow of dialogue on the website.

3. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of Citadel Insurance Group or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. Unauthorized use of the content on this website may violate intellectual property laws. You may not reproduce, distribute, modify, or otherwise use any content without the prior written permission of our company.

4. Limitation of Liability

To the fullest extent permitted by law, Citadel Insurance Group will not be liable for any damages, including direct, indirect, incidental, or consequential damages, arising out of the use or inability to use this website, even if Citadel Insurance Group has been advised of the possibility of such damages. You assume total responsibility for your use of the website and any linked websites.

5. Disclaimer of Warranties

This website and its content are provided "as is" and without warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Citadel Insurance Group makes no warranty that the website will be available, secure, or error-free or that any defects will be corrected.

6. Third-Party Links

Our website may contain links to third-party websites that are not owned or controlled by Citadel Insurance Group. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that Citadel Insurance Group is not responsible for any loss or damage that may result from your use of any third-party websites.

7. Accessibility

We are committed to ensuring that our website is accessible to all users, including those with disabilities. We strive to adhere to the Web Content Accessibility Guidelines (WCAG) to make our content accessible to individuals with varying abilities. If you experience any difficulty accessing any part of our website or have suggestions on how we can improve accessibility, please contact us. We will do our best to provide the information or services you need through an accessible alternative method.

8. Governing Law

These Terms and Conditions are governed by and construed in accordance with local laws, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the court for the resolution of any disputes arising out of or related to your use of the website.

9. Indemnification

You agree to indemnify, defend, and hold harmless Citadel Insurance Group, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising out of your use of the website, your violation of these Terms and Conditions, or your violation of any rights of another person or entity.

10. Termination

We reserve the right to terminate or suspend your access to the website, without notice, for conduct that we believe violates these Terms and Conditions or is harmful to other users or the operation of the website.

11. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect.

12. Mobile Messaging Terms and Conditions

CITADEL INSURANCE GROUP LLC (“CITADEL INSURANCE GROUP LLC”, “we”, or “us”) operates a mobile messaging program (the “Program”) subject to these Mobile Messaging Terms and Conditions (the “Mobile Messaging Terms”). The Program and our collection and use of your personal information is also subject to our Privacy Policy. By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree to these Mobile Messaging Terms and our Privacy Policy.

1. Program Description: We may send promotional and transactional mobile messages in various formats through the Program. Promotional messages advertise and promote our products and services and may include [promotions, specials, other marketing offers, and abandoned checkout reminders]. Transactional messages relate to an existing or ongoing transaction and may include [order notifications and updates, appointment reminders, and other transaction-related information]. Mobile messages may be sent using an automated technology, including an autodialer, automated system, or automatic telephone dialing system. Message frequency will vary but will not exceed 5 messages in 1 day. You agree that we, may send you messages regarding the foregoing topics or any topic and that such messages and/or calls may be made or placed using different telephone numbers or short codes. We do not charge for mobile messages sent through the Program but you are responsible for any message and data rates imposed by your mobile provider, as standard data and message rates may apply for SMS and MMS alerts.

2. User Opt-In: By providing your mobile phone number to us, you are voluntarily opting in to the Program and you agree to receive recurring mobile messages from us at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal “Do Not Call” list. You agree that any mobile phone number you provide to us is a valid mobile phone number of which you are the owner or authorized user. If you change your mobile phone number or are no longer the owner or authorized user of the mobile phone number, you agree to promptly notify us at citadelinsurancegroup@gmail.com. Your participation in the Program is not required to make any purchase from us and your participation in the Program is completely voluntary.

3. User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to optout of the Program and stop receiving mobile messages from us, or you no longer agree to these Mobile Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT, and/or UNSUBSCRIBE to any mobile message from us. You may continue to receive text messages for a short period while we process your request and you may receive a one-time opt-out confirmation message. You understand and agree that the foregoing is the only reasonable method of opting out. For support, reply HELP to any mobile message from us. Our mobile messaging platform may not recognize requests that modify the foregoing commands, and you agree that we and our service providers will not be liable for failing to honor requests that do not comply with the requirements in these Mobile Messaging Terms. We may also change the telephone number or short code we use to operate the Program and we will notify you of any such change. You acknowledge that any requests sent to a telephone number or short code that has been changed may not be received by us and we will not be responsible for failing to honor a request sent to a telephone number or short code that has been changed.

4. Disclaimer of Warranty and Liability: The Program is offered on an “as-is” basis and may not be available in all areas, at all times, or on all mobile providers. You agree that neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message or information sent through the Program.

5. Modifications: We may modify or cancel the Program or any of its features at any time, with or without notice. To the extent permitted by applicable law, we may also modify these Mobile Messaging Terms at any time. Any such modification will take effect when it is posted to our website. You agree to review these Mobile Messaging Terms periodically to ensure that you are aware of any modifications. Your continued participation in the Program will constitute your acceptance of those modifications.

13. Contact

If you have any questions about these Terms and Conditions, you can contact us:

By email: citadelinsurancegroup@gmail.com

By phone number: +1 (614) 403-9126

Citadel Insurance Group