1. Acceptance of These Terms
These Terms and Conditions (“Terms”) govern your access to and use of the website operated by CRM Group, LLC (“CRM Group,” “we,” “us,” or “our”), including the website located at www.crmgroupinsurance.com and any pages, forms, content, or services made available through it (collectively, the “Website”).
By accessing or using the Website, you agree to these Terms and our Privacy Policy. If you do not agree with these Terms, please do not use the Website.
2. Purpose of the Website
The Website provides general educational information about Medicare, health insurance, life insurance, annuities, employee benefits, and other insurance-related topics. It also provides a way to learn about CRM Group and request assistance from a licensed insurance agent.
Information on the Website is provided for general informational purposes only. It is not intended to constitute individualized insurance, legal, tax, investment, financial, or medical advice. You should consult an appropriately licensed or qualified professional regarding your individual circumstances before making insurance, financial, or healthcare decisions.
3. Insurance Services and Product Availability
Insurance products and services are offered only through appropriately licensed insurance agents and only in jurisdictions where the agent is authorized to conduct business.
Product availability, benefits, premiums, deductibles, copayments, provider networks, drug formularies, eligibility requirements, and other plan terms vary by carrier, location, policy, and individual circumstances. Not every product, carrier, or coverage option is available in every area.
Insurance carriers establish the terms, conditions, eligibility requirements, underwriting standards, premiums, and coverage decisions for their products. CRM Group cannot guarantee that any particular product, price, benefit, carrier, or coverage option will be available or appropriate for you.
4. Medicare and Government Program Disclosures
CRM Group is an independent insurance agency and is not affiliated with, endorsed by, or operated by the United States government, the Centers for Medicare & Medicaid Services, Medicare, Medicaid, the Social Security Administration, or any federal or state health insurance marketplace.
Medicare rules, plan availability, benefits, costs, and enrollment requirements may change. Information presented on the Website should not replace official Medicare publications, plan documents, or guidance from Medicare. For complete Medicare information, visit Medicare.gov or call 1-800-MEDICARE.
CRM Group may not represent every insurance organization or offer every plan available in a particular service area. Information we provide is limited to the carriers, products, and plans that CRM Group and its licensed agents are authorized to discuss or offer.
5. No Offer, Enrollment, or Guarantee of Coverage
Nothing on the Website constitutes an offer to issue an insurance policy, a guarantee of eligibility, or confirmation that coverage has been approved or placed in force.
Using the Website, submitting a contact form, speaking with an agent, requesting information, or receiving a quote does not enroll you in coverage or create an insurance contract. Coverage becomes effective only after all required applications, authorizations, enrollment steps, carrier approvals, and premium requirements have been completed.
The official insurance policy, Evidence of Coverage, Summary of Benefits, carrier contract, enrollment confirmation, or other governing plan documents control the terms of coverage. If information on the Website conflicts with an official plan or policy document, the official document controls.
6. No Professional or Fiduciary Relationship
Accessing the Website or communicating with CRM Group through the Website does not, by itself, create an insurance agent-client relationship, fiduciary relationship, advisory relationship, or other professional relationship.
An agent may provide individualized assistance after reviewing your circumstances and confirming that the agent is properly licensed and authorized to assist you. You remain responsible for reviewing all applications, policy documents, enrollment confirmations, and coverage information for accuracy.
7. Contact Requests and Communications
When you submit a contact form, you authorize a licensed CRM Group insurance agent or appropriate CRM Group representative to contact you about the insurance products, services, or questions identified in your request. Contact may occur by telephone call, text message, or email using the information you provide.
Message and data rates may apply to text communications. You may ask us to stop contacting you or change your communication preferences at any time. Submitting a request does not obligate you to purchase a product, and consent to receive communications is not a condition of purchasing insurance.
If you later enroll in coverage or become a CRM Group client, you may receive communications related to your coverage, client relationship, educational resources, or newsletters, subject to applicable law and available communication preferences.
You agree to provide accurate information and not submit another person’s contact information without authorization. Do not submit Social Security numbers, Medicare identification numbers, payment information, detailed medical records, or other highly sensitive information through a general Website contact form.
8. Accuracy and Timeliness of Information
We make reasonable efforts to provide useful and accurate information. However, insurance rules, government program requirements, costs, carrier appointments, coverage options, and plan details can change without notice.
We do not warrant that all Website content is complete, current, or free from errors. Dates, premiums, deductibles, benefit amounts, enrollment periods, and other figures should be verified using current official sources or applicable plan documents before you rely on them.
CRM Group may correct, modify, or remove Website content at any time without prior notice.
9. Third-Party Websites and Resources
The Website may contain links to third-party websites, including government agencies, insurance carriers, provider directories, social media platforms, and other resources.
These links are provided for convenience and informational purposes. CRM Group does not control and is not responsible for the content, availability, security, accessibility, privacy practices, or accuracy of third-party websites. A link does not necessarily constitute an endorsement of the third party or its products or services.
Your use of a third-party website is governed by that third party’s own terms and privacy policies.
10. Intellectual Property
Unless otherwise indicated, the Website’s original design, branding, text, graphics, photographs, videos, downloadable materials, and other content are owned by or licensed to CRM Group and are protected by applicable intellectual-property laws.
You may view, download, or print Website content for your personal, noncommercial use. You may not reproduce, republish, modify, distribute, sell, license, or commercially exploit Website content without prior written permission from CRM Group.
Government publications, carrier materials, trademarks, and other third-party content remain the property of their respective owners.
11. Acceptable Use
You agree not to use the Website to:
- Engage in unlawful, fraudulent, deceptive, or harmful conduct.
- Submit false, misleading, or unauthorized information.
- Impersonate another person or misrepresent your identity or authority.
- Attempt to gain unauthorized access to the Website, its systems, or information.
- Introduce malware, malicious code, or technology intended to disrupt the Website.
- Interfere with the Website’s operation, security, availability, or other users.
- Collect or misuse another person’s personal information.
- Violate the intellectual-property, privacy, or other legal rights of CRM Group or a third party.
We may restrict or terminate access to the Website when we reasonably believe it is being misused.
12. Privacy
Our collection and use of personal information submitted through the Website are governed by our Privacy Policy. By using the Website, you acknowledge that you have reviewed the Privacy Policy.
13. Website Availability and Security
We take reasonable measures to maintain the Website, but we do not guarantee that it will always be available, uninterrupted, secure, or free from errors or harmful components.
Website access may be temporarily unavailable because of maintenance, updates, technical failures, third-party services, network interruptions, security concerns, or circumstances beyond our reasonable control.
14. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.
CRM Group does not warrant that Website information will satisfy your individual insurance needs, that a particular product will be available, or that an application or enrollment request will be approved.
Nothing in these Terms limits any warranty, protection, or legal right that cannot lawfully be excluded.
15. Limitation of Liability
To the fullest extent permitted by applicable law, CRM Group and its owners, employees, agents, contractors, and representatives will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your access to or use of the Website.
CRM Group is not responsible for losses resulting from reliance solely on general Website information, unavailable or inaccurate third-party content, Website interruptions, unauthorized access outside our reasonable control, or decisions made without reviewing the applicable policy or plan documents.
These limitations do not apply to liability that cannot legally be limited or excluded.
16. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless CRM Group and its owners, employees, agents, contractors, and representatives from claims, damages, liabilities, and reasonable expenses arising from your unlawful misuse of the Website, your violation of these Terms, or your infringement of another person’s rights.
17. Governing Law
These Terms are governed by the laws of the State of Idaho, without regard to conflict-of-law principles, except where another jurisdiction’s laws must apply.
Any legal proceeding relating to these Terms or the Website will be brought in a court of competent jurisdiction located in Ada County, Idaho, unless applicable law requires otherwise.
18. Severability and Waiver
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision does not waive our right to enforce that provision later.
19. Changes to These Terms
We may update these Terms periodically to reflect changes to the Website, our practices, applicable requirements, or available services.
The revised Terms will be posted on this page with an updated “Last updated” date. Your continued use of the Website after revised Terms are posted constitutes acceptance of the updated Terms.
20. Contact Us
If you have questions about these Terms and Conditions, contact:
CRM Group, LLC
2036 S Eagle Road
Meridian, Idaho 83642
Phone: (208) 314-1779
Email: contact@crmgrp.com