Acceptance of These Terms

Welcome to Veyl Advisors (“Veyl Advisors,” “we,” “our,” or “us”). These Terms of Use govern your access to and use of https://veyladvisors.com and any related services, content, forms, educational materials, or resources provided by Veyl Advisors.

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with these Terms, please discontinue use of this website.

Website Purpose

Veyl Advisors provides educational information regarding Medicare, retirement planning, insurance products, and related financial topics. The information provided on this website is intended solely for general educational purposes and should not be interpreted as personalized insurance, legal, tax, investment, or financial advice.

Use of this website does not establish an insurance agent-client relationship until such relationship is formally established through direct communication and, where applicable, completion of required documentation.

Eligibility

By using this website, you represent that:

• You are at least 18 years of age.
• You have the legal authority to enter into these Terms.
• Any information you provide is truthful and accurate.

No Government Affiliation

Veyl Advisors is an independent insurance agency. We are not affiliated with or endorsed by the United States Government, the Centers for Medicare & Medicaid Services (CMS), Medicare, or any federal or state government agency. Any references to Medicare are provided solely for educational purposes.

Educational Information Only

Information provided through this website, including articles, videos, downloadable guides, questionnaires, calculators, or other resources, is provided for general educational purposes only. Coverage options, premiums, benefits, provider networks, and plan availability vary by insurance carrier, geographic location, and individual eligibility.

Nothing contained on this website constitutes legal advice, tax advice, investment advice, medical advice, or personalized insurance recommendations. You should consult appropriate professionals before making decisions regarding insurance, taxes, retirement planning, or healthcare.

No Guarantee of Coverage or Benefits

Submission of information through this website does not enroll you in a Medicare plan, guarantee eligibility, guarantee acceptance by any insurance carrier, guarantee premium amounts, or guarantee benefits or provider availability. Insurance coverage is subject to carrier underwriting, eligibility requirements, and applicable regulations.

Appointments and Consultations

Appointment requests submitted through this website are requests only. Scheduling a consultation does not obligate either party to enter into an insurance relationship. Veyl Advisors reserves the right to decline appointments or discontinue services where appropriate.

User Responsibilities

When using this website, you agree that you will not submit false or misleading information, attempt to gain unauthorized access to our systems, interfere with website functionality, introduce malicious software or viruses, use automated tools to collect website data, or use this website for unlawful purposes.

Intellectual Property

All content appearing on this website, including but not limited to logos, branding, graphics, educational materials, text, videos, website design, downloads, guides, and original content, is the property of Veyl Advisors or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

No content may be copied, reproduced, distributed, modified, or republished without prior written permission, except for personal, non-commercial use.

Third-Party Websites

This website may contain links to third-party websites for your convenience. Veyl Advisors does not control and is not responsible for the content, privacy practices, products, or services offered by third-party websites. Accessing third-party websites is done at your own risk.

Disclaimer of Warranties

This website and all content are provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, Veyl Advisors disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, and reliability. We do not warrant that this website will always be uninterrupted, secure, or free of errors.

Limitation of Liability

To the fullest extent permitted by law, Veyl Advisors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from use of this website, inability to access this website, reliance upon information contained on this website, technical failures, website interruptions, or third-party services. Your use of this website is at your own risk.

Indemnification

You agree to indemnify and hold harmless Veyl Advisors, its owners, employees, contractors, affiliates, and representatives from any claims, liabilities, damages, losses, costs, or expenses arising from your misuse of this website, your violation of these Terms, or your violation of applicable laws.

Privacy

Your use of this website is also governed by our Privacy Policy. By using this website, you acknowledge that you have reviewed our Privacy Policy.

Changes to These Terms

Veyl Advisors reserves the right to update or modify these Terms of Use at any time. Changes become effective immediately upon posting to this website. Continued use of the website after updates constitutes acceptance of the revised Terms.

Governing Law

These Terms of Use shall be governed by and interpreted in accordance with the laws of the State of Oregon, without regard to its conflict of law principles. Any legal action arising from these Terms shall be brought in a court of competent jurisdiction located within the State of Oregon, unless otherwise required by applicable law.

Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.