1. Nature of Our Services

MediCare Insurance Solutions provides independent health insurance consulting and advisory services. We are not an insurance provider, underwriter, or claims processor. Our role is to analyze your insurance needs and recommend suitable coverage options from various insurance providers.

2. Professional Advice Disclaimer

While our consultants are experienced and qualified professionals, please note that:

• Our recommendations are based on the information you provide and our professional judgment
• We cannot guarantee specific outcomes, savings, or coverage approvals
• Final insurance decisions and policy purchases are entirely at your discretion
• You should carefully review all policy documents before making any commitments

3. Medical and Legal Advice

Our services do not constitute medical or legal advice. We recommend that you:

• Consult with healthcare professionals regarding your medical needs
• Seek legal counsel for complex insurance or tax matters
• Verify all tax deduction claims with qualified tax advisors
• Review all legal implications with appropriate professionals

4. Market Conditions and Changes

The insurance market is subject to constant change. Please be aware that:

• Insurance premiums and coverage terms may change without notice
• Provider networks and benefits may be modified by insurance companies
• Regulatory changes may affect coverage options and requirements
• Our recommendations are based on current market conditions at the time of consultation

5. Third-Party Insurance Providers

We work with various insurance providers, and you should understand that:

• We are not responsible for the financial stability of insurance providers
• Claims processing and coverage decisions are made solely by the insurance companies
• Provider customer service and claims handling vary by company
• We cannot influence underwriting decisions or claims outcomes

6. Accuracy of Information

While we strive to provide accurate and up-to-date information:

• Insurance terms, conditions, and pricing are subject to change
• We rely on information provided by you and third-party sources
• You should verify all details directly with insurance providers
• Errors or omissions in information may occur despite our best efforts

7. Tax and Financial Implications

Regarding tax deductions and financial benefits:

• Tax laws and regulations change frequently
• Individual circumstances affect eligibility for deductions
• We recommend consulting with qualified tax professionals
• HMRC has final authority on all tax-related matters

8. Technology and Website Disclaimer

Our website and digital services are provided "as is" without warranties:

• We cannot guarantee uninterrupted access to our website
• Technical issues may temporarily affect our services
• Information transmitted electronically may be subject to interception
• We use reasonable security measures but cannot guarantee complete data security

9. Regulatory Status

MediCare Insurance Solutions operates under the following regulatory framework:

• We are authorized and regulated by the Financial Conduct Authority (FCA)
• Our services comply with current FCA guidelines and regulations
• We maintain professional indemnity insurance as required
• Regulatory requirements may change and affect our service delivery

10. Limitation of Liability

Our liability is limited as follows:

• We are not liable for decisions made by insurance providers
• Our maximum liability is limited to the fees paid for our services
• We are not responsible for consequential or indirect damages
• Time limits apply to all claims against our services

11. Client Responsibilities

As our client, you are responsible for:

• Providing accurate and complete information about your circumstances
• Reading and understanding all insurance policy documents
• Making informed decisions about insurance purchases
• Notifying us of any changes in your situation
• Seeking independent advice when appropriate

12. Complaints and Disputes

If you have concerns about our services:

• Please contact us directly to discuss any issues
• We have formal complaints procedures in place
• Unresolved complaints may be referred to the Financial Ombudsman Service
• You may be entitled to compensation through the Financial Services Compensation Scheme

13. Updates to This Disclaimer

This disclaimer may be updated periodically to reflect changes in our services, regulations, or market conditions. We recommend reviewing this document regularly. Continued use of our services after updates constitutes acceptance of the revised disclaimer.

14. Contact Information

For questions about this disclaimer or our services, please contact us: