1. Acceptance of Terms

By accessing and using the services of MediCare Insurance Solutions ("Company," "we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Services

MediCare Insurance Solutions provides health insurance consulting services, including:

• Analysis of current insurance coverage and costs
• Recommendations for suitable insurance plans
• Assistance with insurance applications and transitions
• Ongoing support and annual policy reviews
• Tax deduction optimization guidance

3. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information about your health, finances, and insurance needs
• Promptly notify us of any changes in your circumstances
• Review all recommendations and documentation carefully
• Make final decisions about insurance purchases independently
• Pay all fees and charges as agreed upon

4. Professional Standards

We maintain high professional standards and will:

• Provide services with reasonable care and skill
• Act in your best interests when providing recommendations
• Maintain confidentiality of your personal information
• Disclose any conflicts of interest
• Comply with all applicable laws and regulations

5. Fees and Payment

Our fee structure includes:

• Initial consultation is provided free of charge
• Ongoing consulting fees are agreed upon before service commencement
• Payment is due within 30 days of invoice date
• Late payment may incur additional charges

6. Limitations of Liability

While we strive to provide accurate information and recommendations:

• We are not liable for decisions made by insurance providers
• We cannot guarantee specific outcomes or savings
• Our liability is limited to the fees paid for our services
• We are not responsible for changes in insurance provider terms or pricing

7. Confidentiality

We are committed to maintaining the confidentiality of your personal and financial information. We will not disclose your information to third parties without your consent, except as required by law or as necessary to provide our services.

8. Termination

Either party may terminate our service agreement with 30 days written notice. Upon termination:

• You remain responsible for all fees incurred up to the termination date
• We will provide copies of your files upon request
• Confidentiality obligations continue indefinitely

9. Intellectual Property

All content on our website and in our materials, including text, graphics, logos, and software, is the property of MediCare Insurance Solutions and is protected by copyright and other intellectual property laws.

10. Dispute Resolution

Any disputes arising from our services will be resolved through:

• Good faith negotiation between the parties
• Mediation if negotiation fails
• Arbitration or legal proceedings under UK law if necessary

11. Regulatory Compliance

We are regulated by the Financial Conduct Authority (FCA) and comply with all applicable UK insurance regulations. Our services are provided in accordance with FCA guidelines and industry best practices.

12. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, government actions, or other unforeseeable events.

13. Amendments

We reserve the right to modify these terms and conditions at any time. Changes will be effective immediately upon posting on our website. Continued use of our services constitutes acceptance of the modified terms.

14. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of England and Wales. Any legal proceedings will be subject to the exclusive jurisdiction of the English courts.

15. Contact Information

If you have any questions about these Terms & Conditions, please contact us at: