Terms and Conditions & Disclosures

Effective Date: November 1, 2025

Last Updated: November 4, 2025

These Terms and Conditions & Disclosures (“Terms”) govern your access to and use of the website operated by Valor Senior Benefits, a DBA of Clover Mill LLC, affiliated with American Entitlements, LLC (“we,” “us,” or “our”).

By using this website, you acknowledge that you have read, understood, and agree to these Terms in full.

1. Purpose of This Website

This website provides educational information about Medicare insurance options and serves as a lead generation platform for individuals seeking assistance with Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans.

We do not provide account creation, online enrollment, or payment processing through this site. All enrollments or transactions occur through a licensed insurance agent or broker.

2. Eligibility and Authority

Use of this website is limited to U.S. residents aged 18 or older.

If you submit information on behalf of another person under a Power of Attorney (POA), you affirm that you have full legal authority to do so. By submitting any personal information, you also affirm that you have the mental capacity to provide such information or are an authorized representative acting on behalf of the individual concerned.

3. Prohibited Conduct

Users agree not to engage in any misuse of this website, including but not limited to:

Collecting or scraping data without authorization.

Submitting false, misleading, or incomplete information.

Attempting to breach security or disrupt normal website operation.

Using automated tools, bots, or scripts to access or interfere with the site.

Impersonating another person or entity.

We reserve the right to suspend or terminate website access for any misuse without prior notice.

4. Accuracy and Plan Availability Disclaimer

While we make every reasonable effort to ensure the information on this site is accurate and current, we do not guarantee the availability, accuracy, pricing, benefits, or coverage of any insurance plan.

All plan details, premiums, and eligibility must be confirmed by a licensed insurance agent prior to enrollment. Plan terms, benefits, and premiums are subject to change by carriers and regulatory authorities.

5. Licensing and Affiliations

Valor Senior Benefits operates as a DBA of Clover Mill LLC and is affiliated with American Entitlements, LLC, a Texas-based insurance agency.

Licensed insurance agents and brokers working under both Valor Senior Benefits and American Entitlements, LLC are authorized to market and assist with Medicare Advantage, Medicare Supplement, and Prescription Drug Plans.

We are independent agents and are not connected with or endorsed by the U.S. Government or the Federal Medicare Program.

6. Third-Party Links and Content

This website may contain links to external websites operated by third parties, including insurance carriers, government agencies, or informational sources.

We are not responsible for the content, privacy practices, accuracy, or policies of third-party websites. Use of any linked website is at your own risk.

7. Intellectual Property

All text, graphics, images, logos, design elements, and other content on this website are the intellectual property of Valor Senior Benefits or its licensors.

You may not copy, reproduce, distribute, or modify any content without prior written consent from Valor Senior Benefits.

8. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

Any dispute arising from or relating to these Terms or your use of this website shall be brought exclusively in the appropriate courts located in the State of Texas.

9. Limitation of Liability

To the fullest extent permitted by law, Valor Senior Benefits, Clover Mill LLC, American Entitlements, LLC, and their officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or relating to the use of this website or the information contained herein.

We make no warranty that the site will be error-free, uninterrupted, or free of viruses or harmful components.

10. Medicare-Related Disclosures

Valor Senior Benefits is a licensed insurance agency offering Medicare Advantage (Part C), Medicare Supplement (Medigap), and Prescription Drug (Part D) plans through various private insurance carriers.

We do not offer every plan available in your area. Any information we provide is limited to those plans we offer. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Plans and benefits vary by carrier and location, and availability may change at any time.

Enrollment in any Medicare plan depends on the plan’s contract renewal with Medicare.

Medicare evaluates plans each year based on a 5-star rating system.

We and the carriers we represent do not discriminate based on race, color, national origin, age, disability, or sex in the administration of our programs or activities.

11. Contact for Questions

For questions about these Terms or any legal disclosures, please contact Valor Senior Benefits using the contact form provided on our website at https://valorseniorbenefits.com/contact-us-9802

12. Changes to These Terms

We may modify or update these Terms at any time without prior notice. The revised version will be posted on this page with an updated “Last Updated” date. Your continued use of the website following any updates constitutes your acceptance of the revised Terms.