Terms of Service
Knowledge Before65 (“we,” “us,” or “our”) is a registered DBA (Doing Business As) of Davis Capital & Insurance, a Corporation and licensed insurance agency. By accessing or using this website, submitting a form, or communicating with us, you agree to these Terms of Service.
1. Services
We provide Medicare-related insurance guidance and help you understand and compare the plans we offer. This is a solicitation for insurance. A licensed insurance agent may contact you. Use of this site does not create an agent-client or fiduciary relationship until expressly agreed.
2. No Government Affiliation
Knowledge Before65 is not connected with or endorsed by the U.S. government, the federal Medicare program, or any state agency. 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. To review all of your options, contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227).
3. Eligibility
You must be at least 18 years old and provide accurate information about yourself. If you submit contact information, you confirm that the phone number and email address are your own.
4. Communications Consent
By providing your contact information and opting in, you consent to receive communications from us by phone, text message, and email as described in our Privacy Policy. Consent is not a condition of purchase, enrollment, or any service. You may opt out of texts at any time by replying STOP, or reply HELP for help.
5. SMS Program, Rates & Carrier Liability
If you opt in, we may send transactional and promotional text messages consistent with the consent you provide. Message frequency varies. Message and data rates may apply according to your mobile plan. You may opt out at any time by replying STOP and get help by replying HELP.
Carrier Liability Disclaimer: Mobile carriers (including but not limited to AT&T, T-Mobile, Verizon, and their affiliates and subsidiaries) are not liable for delayed, misdirected, or undelivered messages. We do not guarantee that any message will be delivered, and delivery is subject to effective transmission by your wireless carrier and to network availability outside of our control.
6. No Guarantees
Information on this website is for general educational purposes and does not constitute insurance, legal, tax, or financial advice. Plan availability, benefits, and costs are determined by the carriers and by Medicare, and are subject to change. We do not guarantee eligibility, approval, coverage, or any specific outcome.
7. Intellectual Property
All content on this website, including text, graphics, logos, and branding, is the property of Davis Capital & Insurance or its licensors and may not be reproduced without permission.
8. Limitation of Liability
To the fullest extent permitted by law, Davis Capital & Insurance and Knowledge Before65 shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or our services. Our total liability shall not exceed the amount you paid us, if any, for the services at issue.
9. Third-Party Links
Our website may contain links to third-party sites. We are not responsible for the content, policies, or practices of those sites.
10. Changes to These Terms
We may update these Terms from time to time. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.
11. Contact Us
Davis Capital & Insurance, doing business as Knowledge Before65
1451 W Cypress Creek Rd Ste 300, Fort Lauderdale, FL 33309
Phone: +1 954-547-2998
Email: [email protected]