Terms of Service
First Step to 65 ("we," "us," or "our") is a registered DBA (Doing Business As) of Bell Brokerage Group LLC, a Texas limited liability company and licensed insurance agency. These Terms of Service ("Terms") govern your use of our website and services. By accessing our website or submitting your information, you agree to these Terms. If you do not agree, please do not use our website or services.
1. Services
We provide information and guidance regarding Medicare and related insurance products, and connect consumers with licensed insurance agents. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. We are not connected or affiliated with any United States Government or State agency, including the federal Medicare program. This is a solicitation for insurance. A licensed insurance agent may contact you.
2. Eligibility
You must be at least 18 years old and capable of forming a binding contract to use our services. By using our website, you represent that you meet these requirements and that any information you provide is accurate and your own.
3. No Insurance or Professional Advice
Content on this website is for general informational purposes only and does not constitute insurance, legal, tax, or financial advice. Plan availability, benefits, premiums, and eligibility are determined by the insurance carriers and applicable regulations, not by this website. You should confirm all details with a licensed agent and review official plan documents before enrolling.
4. SMS / Text Messaging Terms (A2P / TCPA)
4.1 By providing your mobile number and opting in through our forms, you consent to receive transactional and/or marketing text messages from First Step to 65 (a DBA of Bell Brokerage Group LLC), depending on the consent boxes you select. Consent is not a condition of purchase, enrollment, or any service.
4.2 Message Types. Messages may include appointment confirmations and reminders, enrollment and service updates, responses to your inquiries, and — where you have consented — marketing and promotional offers and educational content.
4.3 Frequency & Rates. Message frequency varies based on your interaction with our services. Message and data rates may apply.
4.4 Opt-Out & Help. Reply STOP at any time to stop receiving texts. Reply HELP for help, or contact us at [email protected] or +1 (346) 777-4422.
4.5 Mobile Information Sharing. Mobile information and consent records (including phone numbers and SMS opt-in data) will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors and service providers in support of our services (such as CRM, calendar, messaging, or compliance providers) is permitted only for the purpose of delivering those services to you.
5. Acceptable Use
You agree not to use our website or services for any unlawful purpose, to provide false information, to interfere with the website's operation, or to attempt to gain unauthorized access to our systems or data.
6. Intellectual Property
All content on this website, including text, graphics, logos, and the First Step to 65 brand, is owned by or licensed to Bell Brokerage Group LLC and is protected by applicable intellectual property laws. You may not reproduce or distribute it without our prior written permission.
7. Third-Party Links
Our website may contain links to third-party websites or tools (such as scheduling and form providers). We are not responsible for the content or practices of those third parties, and your use of them is governed by their own terms and policies.
8. Disclaimers and Limitation of Liability
Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied. To the fullest extent permitted by law, Bell Brokerage Group LLC and First Step to 65 shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, our website or services.
9. Indemnification
You agree to indemnify and hold harmless Bell Brokerage Group LLC, First Step to 65, and their agents and representatives from any claims, losses, or expenses arising out of your use of our website or services or your violation of these Terms.
10. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. Any disputes shall be resolved in the state or federal courts located in Texas.
11. Changes to These Terms
We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Continued use of our website after changes constitutes acceptance of the updated Terms.
12. Contact Us
Bell Brokerage Group LLC, dba First Step to 65
804 Carol St, Bellaire, TX 77401
Phone: +1 (346) 777-4422
Email: [email protected]
This is a solicitation for insurance. A licensed insurance agent may contact you. Not connected or affiliated with any United States Government or State agency.