Terms and Conditions

Effective Date: 07/21/2022

Welcome to C & K Healthcare Advisors ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website www.ckhealthcareadvisors.com (the "Site") and the services we offer. By accessing or using this
Site, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use our Site.

1. Use of the Site

1.1. Eligibility: You must be at least 18 years old to use this Site. By using this Site, you represent and warrant that you are at
least 18 years old.

1.2. License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your
personal, non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from this Site without our prior written consent.

2. Services

2.1. Information Provided: The information provided on this Site is for general informational purposes only and does not constitute
financial, insurance, or legal advice. We make no representations or warranties regarding the accuracy, completeness, or reliability of any information on this Site.

2.2. Consultations: If you choose to engage with us for Medicare or other insurance-related services, any consultations or services
provided will be subject to a separate agreement and may involve a fee.

3. User Obligations

3.1. Account Security: If you create an account on our Site, you are responsible for maintaining the confidentiality of your
account credentials and for all activities that occur under your account.

3.2. Prohibited Conduct: You agree not to use the Site for any unlawful purpose or in any way that may damage, disable,
overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site.

4. Intellectual Property

4.1. Ownership : All content and materials on this Site, including but not limited to text, graphics, logos, images, and software,
are the property of C & K Healthcare Advisors or its licensors and are protected by copyright, trademark, and other intellectual property laws.

5. Limitation of Liability

5.1. Disclaimer of Warranties: The Site and all information, products, and services provided through the Site are provided
"as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not
limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

5.2. Limitation of Liability: In no event shall C & K Healthcare Advisors, its affiliates, or their respective officers, directors,
employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, or any damages whatsoever, arising out of
or in connection with your use of the Site or any services provided.

6. Indemnification

You agree to indemnify, defend, and hold harmless C & K Healthcare Advisors, its affiliates, and their respective officers, directors,
employees, and agents from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees, arising out of or
related to your use of the Site or any violation of these Terms.

7. Changes to the Terms

We reserve the right to modify or update these Terms at anytime without prior notice. Any changes will be effective immediately upon
posting on the Site. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.

8. Governing Law

These Terms are governed by and construed in accordance with the laws of the Pennsylvania, without regard to its conflict of law
principles. Any legal action or proceeding arising out of or related to these Terms or your use of the Site shall be brought exclusively in the courts
located in Pennsylvania.

9. Contact Information

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

C & K Healthcare Advisors

[email protected]

Thank you for visiting C & K Healthcare Advisors. We appreciate your compliance with these Terms and look forward to assisting you
with your Medicare and insurance needs.