These Terms of Service ("Terms") govern your access to and use of the website and services (the "Website") provided by Ray Senior Services ("we," "us," or "our").
These Terms apply only to users located in the United States.
By accessing or using the Website or services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, do not use our Website or services.
1. ACCEPTANCE OF TERMS
By using the Website or services, you accept and agree to be bound by these Terms and all applicable policies referenced herein, including our Privacy Policy.
2. USER ELIGIBILITY
To use the Website or services, you must be at least 18 years old and have the legal capacity to enter into a binding contract.
If you are under 18, parental or guardian consent is required.
3. SERVICES PROVIDED
At Ray Senior Services our Medicaid experts are here to relieve you, creating a customized asset plan and handling the entire application process to ensure you get the coverage and peace of mind you and your loved one deserve.
You agree to use the Website and services only for lawful purposes and in compliance with these Terms and applicable laws.
4. ACCOUNT REGISTRATION
Certain features may require account registration. You agree to provide accurate and complete information and maintain the confidentiality of your account credentials.
You are responsible for all activity that occurs under your account.
5. USER OBLIGATIONS AND RESTRICTIONS
You agree not to:
Use the Website for unlawful purposes
Harm, disrupt, or interfere with the Website or services
Violate applicable laws or third-party rights
Use automated systems without prior permission
Attempt unauthorized access to systems or data
6. PAYMENT AND BILLING
If you purchase paid services or products from us, you agree to provide accurate billing information.
Payments will be processed according to pricing and terms displayed at checkout.
You authorize us or our payment processor to charge your selected payment method.
7. CONTENT OWNERSHIP
All Website content is owned by Ray Senior Services or its licensors and is protected by United States intellectual property laws.
Unauthorized copying, modification, reproduction, or distribution of Website content is prohibited.
8. THIRD-PARTY LINKS
The Website may contain links to third-party websites or services.
We are not responsible for third-party content, privacy practices, products, services, or activities.
9. PRIVACY POLICY
Your use of the Website and services is also governed by our Privacy Policy.
10. TERMINATION
We may suspend or terminate your access to the Website or services at any time if we believe you have violated these Terms or engaged in harmful, fraudulent, or unlawful conduct.
Upon termination, you must immediately stop using the Website and services.
11. LIMITATION OF LIABILITY
To the fullest extent permitted by law, Ray Senior Services shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Website or services.
12. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Ray Senior Services, its employees, affiliates, contractors, and partners from any claims, damages, liabilities, losses, and expenses arising from your use of the Website or violation of these Terms.
13. GOVERNING LAW
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict-of-law principles.
Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Cook County, Illinois.
SMS TERMS AND CONDITIONS
Ray Senior Services may offer SMS communications to users who voluntarily opt in.
Users who opt in may receive SMS messages regarding follow-ups to inquiries, appointment scheduling, appointment reminders, service updates, and information about our programs and services.
You can cancel the SMS service at any time by replying STOP to any message you receive from us.
After you send the SMS message STOP, we will send a confirmation message indicating that you have been unsubscribed. After this, you will no longer receive SMS messages from us.
If you wish to rejoin the program, simply submit a new opt-in request and we will resume sending messages.
If you are experiencing issues with the messaging program, reply HELP for assistance or contact us directly using the information below.
Carriers are not liable for delayed or undelivered messages.
Message and data rates may apply for messages sent to and from your mobile device.
Message frequency varies depending on your interaction with our services.
For questions regarding your text or data plan, please contact your wireless provider.
For information about how we collect, use, and protect personal information, please review our Privacy Policy.
Contact Information
Ray Senior Services
25 North County Line Road Suite I, Jackson, NJ 08527
