Effective Date: March 31, 2025

Welcome to www.GoldenPolicies.com (the “Website”), which is owned and operated by Golden Policies, a licensed health insurance agency located at 1089 Namdac Ave, Bay Shore, NY 11706 (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our Website and any services provided through it.

By accessing or using this Website, you agree to these Terms. If you do not agree, please do not use our Website.

1. Services Provided

We provide informational and marketing services to help users learn about and connect with licensed insurance agents and products including, but not limited to, ACA plans, Medicare Advantage, Medicare Supplement, PPO insurance, and other health insurance solutions.

Your use of the Website does not constitute an offer or commitment to provide insurance coverage. Any insurance policy offered to you will be through a licensed agent and subject to applicable underwriting and carrier approval.

2. Eligibility

This Website is intended for use by individuals who are at least 18 years old and reside in the United States. By using this Website, you represent and warrant that you meet these eligibility requirements.

3. User Conduct

By using this Website, you agree not to:

• Submit false or misleading information
• Use the Website for any illegal, harmful, or abusive purposes
• Interfere with the security, functionality, or integrity of the Website
• Attempt to gain unauthorized access to systems or data
• Use bots, scrapers, or other automated tools to extract or misuse content

We reserve the right to suspend or terminate access to anyone who violates these Terms.

4. Consent to Contact (TCPA Compliance)

By submitting your information through any form on our Website, you provide express written consent to be contacted by us, our agents, affiliates, or partners via phone call, email, or SMS, including automated or prerecorded messages, even if your number is on a federal or state Do Not Call list.

Consent is not required as a condition of purchasing any product or service.

5. Disclaimer of Warranties

The Website and its content are provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that:

• The Website will be available without interruption or error
• The information is accurate, complete, or up to date
• Results obtained from the Website will be effective or reliable

Use of this Website is at your sole risk.

6. Limitation of Liability

To the fullest extent permitted by law, Golden Policies and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Website or any content provided herein.

7. Third-Party Links

The Website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or services of those third parties. Use of third-party sites is at your own risk.

8. Intellectual Property

All content on this Website — including text, graphics, logos, and software — is the property of Golden Policies or its licensors and is protected by U.S. and international copyright and trademark laws. Unauthorized use of any content is prohibited.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of courts located in Suffolk County, New York.

10. Modifications

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be posted on this page with a revised effective date. Your continued use of the Website after changes are posted constitutes acceptance of those changes.

11. Contact Information

If you have any questions or concerns about these Terms, please contact:

Golden Policies
1089 Namdac Ave
Bay Shore, NY 11706
Email: data@directflow.ai