Terms of Service

Effective Date: 2026-05-12 Last Updated: 2026-05-12

1. Acceptance of Terms

By accessing or using JasonKnowsMedicare.com (the "Site") or engaging Jason Chad Baar ("Jason," "we," "us," or "our") for any Services, you ("you" or "your") agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, you must not use the Site or our Services.

You represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

2. About Jason Chad Baar

Jason Chad Baar is a sole proprietor based in Florida operating under:

  • Florida Unaffiliated Insurance Agent License W149493 (Type 2-15)
  • National Producer Number (NPN): 2033715
  • Additional state insurance licenses, as listed on the Licenses page of the Site, as they are issued and updated from time to time.

Business address: Jason Chad Baar 382 NE 191st Street STE 54441 Miami, FL 33179

3. Description of Services

3.1 Free Educational Content

The Site provides general educational information about Medicare. This educational content is available to anyone in any U.S. state. It is informational in nature and is not personalized advice and is not an offer to sell any insurance product.

3.2 Free 15-Minute Q&A Consultation

Jason offers a free 15-minute outbound phone call to discuss your situation and whether his services are a good fit for you. This call is informational and is not an insurance product sale.

3.3 Paid Advisory Services

Jason offers paid Fee-Only advisory Services to clients in U.S. states where he holds an active insurance license at the time of engagement. Current paid Service tiers include (subject to change):

  • Prescription Drug Plan (PDP) (Part D) Analysis — $250
  • Full Medicare Analysis — $500
  • White Glove Service — $1,000

Current pricing, scope of work, and other details are described on the Pricing page of the Site. Pricing, packages, and scope may change. Material changes will be communicated to active engagements; new engagements are subject to the pricing in effect at the time of purchase.

3.4 What Jason Does NOT Do

In addition to not selling insurance products and not earning commissions:

  • Jason does not generate, broker, sell, or transfer client contact information as leads to insurance carriers, commissioned insurance agents, lead-generation companies, or other marketing organizations.
  • Jason does not maintain a formal lead-sharing or co-marketing arrangement with any insurance carrier, commissioned agent, or third-party marketing organization.
  • If Jason informally refers a client by name to another professional (such as an attorney, accountant, or — on rare occasion when the client specifically asks — an insurance agent licensed in their state), that referral is a verbal courtesy made at the client's request. Jason does not share the client's contact information with the referred professional, and Jason does not receive compensation for the referral.
  • For inquiries from states where Jason is not licensed, Jason will provide general factual Medicare information as appropriate and may direct the inquirer to public resources such as Medicare.gov and the State Health Insurance Assistance Program (SHIP) for personalized assistance.

4. Important Disclaimers

4.1 Not Insurance Product Sales — No Commissions

Jason does not sell insurance products. Under his Florida Unaffiliated Insurance Agent License (Type 2-15), Jason is prohibited by law from selling, soliciting, or negotiating insurance contracts. Jason earns no commissions or other compensation from any insurance carrier and is not appointed with any insurance carrier.

4.2 Educational Content vs. Personalized Advice

Free educational content on the Site is general in nature. It is not personalized advice and is not intended to be relied upon as legal, tax, accounting, financial planning, or specific insurance advice for your individual situation. For personalized advice, engage Jason for a paid advisory Service (subject to license-state limitations in Section 4.3) or consult an appropriately licensed professional in your jurisdiction.

4.3 Paid Advisory Services Are Limited by Insurance License

Paid advisory Services are available only to clients residing in U.S. states where Jason holds an active insurance license at the time of engagement. The list of licensed states is published on the Licenses page of the Site and is updated as new licenses are issued. If you reside in a state where Jason is not licensed, he may discuss general Medicare concepts with you informally, but he cannot provide personalized plan recommendations as a paid advisor.

4.4 Not a Third Party Marketing Organization (TPMO)

Jason Chad Baar is not a Third Party Marketing Organization under 42 C.F.R. § 422.2260. Jason does not market specific insurance plans on behalf of any insurance carrier.

4.5 No Government Affiliation

Jason Chad Baar is not connected with or endorsed by the U.S. Government or the federal Medicare program (Section 1140 of the Social Security Act).

4.6 Accuracy of Information

Medicare regulations, plan offerings, premiums, and benefits change frequently — often annually. While Jason strives to keep information on the Site current and accurate, the Site may contain inaccuracies, outdated information, or omissions. Always verify Medicare-related information with primary sources, including:

4.7 No Health Provider Relationship

Nothing on the Site or in any consultation creates a doctor-patient or other healthcare-provider relationship. Jason is not a physician, nurse, or other healthcare provider and does not provide medical advice.

5. Payment Terms (Paid Services)

5.1 Fees and Payment

Fees for paid Services are as set forth on the Pricing page of the Site at the time of purchase. Payment is processed through our third-party payment processor (currently Stripe and/or PayPal, subject to change). All fees are in U.S. dollars.

5.2 Refund Policy — 100% Satisfaction Guarantee

Jason offers a 100% Satisfaction Guarantee on all paid Services.

Refund window. You may request a full refund of fees paid for any paid Service within 45 days from the date Jason emails your written analysis to you (the "Delivery Date"). For the $1,000 White Glove Service, Jason will additionally deliver a paper hardcopy of your analysis via U.S. Mail, FedEx, or UPS; the 45-day refund window begins on the email Delivery Date, regardless of when the hardcopy is received.

No questions asked. No reason for the refund request is required. No review or approval process applies — once you request a refund within the 45-day window, Jason issues it.

Refund amount. 100% of the fees you paid to Jason. Jason absorbs any third-party payment-processing fees.

How to request a refund. Use any reasonable method, including:

  • Replying to the email by which Jason delivered your analysis;
  • Submitting the contact form on the Site; or
  • Calling Jason at (850) 810-1000.

Processing time. Jason will initiate the refund through the original payment method within 5 business days of your request. The refunded amount typically appears on your card or account in an additional 5–10 business days, depending on your card issuer's or bank's processing time.

Exclusions. The 100% Satisfaction Guarantee applies only to paid Services. The free 15-minute Q&A consultation has no fee and therefore no refund applies.

5.3 Taxes

You are responsible for any applicable sales, use, or other transaction taxes on Services where required by law. Jason will collect and remit such taxes where required.

5.4 If You're Not Satisfied

If you're not satisfied with a paid Service, please contact Jason directly. The 100% Satisfaction Guarantee above provides a full refund within 45 days of the Delivery Date — no reason required.

6. No Insurance Contract Formed

Engaging Jason for advisory Services does not create an insurance contract. Any application for, or purchase of, an insurance product is a transaction between you and the insurance company directly, governed by the carrier's contract and applicable state law. Jason's role is advisory only.

7. Communications and Consent

By providing your contact information through the Site or to Jason directly, you consent to receive communications from Jason at the email address you provide and, where you have separately provided a phone number through the scheduling platform, by phone. Marketing emails (where applicable) will include an unsubscribe link. You may also withdraw consent for non-essential communications at any time by contacting us.

8. User Conduct

You agree not to:

  • Use the Site for any unlawful purpose or in violation of these Terms.
  • Misrepresent your identity, your state of residence, or your eligibility.
  • Attempt to gain unauthorized access to non-public areas of the Site or its infrastructure.
  • Interfere with, disrupt, or impose an unreasonable load on the Site or its infrastructure.
  • Use the Site to harass, defame, or harm Jason or any third party.
  • Scrape, harvest, or extract data from the Site through automated means without prior written permission.
  • Reverse engineer, decompile, or copy substantial portions of Site content for commercial use.
  • Submit false, misleading, or fraudulent information.

9. Intellectual Property

9.1 Site Content

All content on the Site (including but not limited to text, graphics, logos, images, photographs, design elements, and any compilation thereof) is owned by Jason Chad Baar or licensed to him. The "JasonKnowsMedicare" wordmark and compass logo are trademarks of Jason Chad Baar.

You may not copy, reproduce, distribute, publicly display, modify, or create derivative works of any Site content without prior written permission from Jason, except for incidental personal, non-commercial reference (e.g., bookmarking a page, printing a single copy for personal use).

9.2 Content You Provide

If you submit content to us (form submissions, communications, intake responses), you grant Jason a non-exclusive, worldwide, royalty-free license to use, store, process, and disclose that content as necessary to provide Services, comply with legal obligations, and protect our rights. You represent that you have the right to provide such content and that it does not violate any third-party rights.

10. Third-Party Links and Services

The Site may link to third-party websites (e.g., Medicare.gov, CMS, KFF, state insurance department sites) and may use third-party services (e.g., Calendly for scheduling, Stripe and/or PayPal for payments, Google for analytics and advertising, email service providers). Those services and sites are governed by their own terms of service and privacy policies. Jason does not endorse, control, or take responsibility for the content, accuracy, or practices of third parties.

11. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, JASON CHAD BAAR DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

JASON DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT DEFECTS WILL BE CORRECTED. JASON DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR CURRENCY OF ANY CONTENT.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

(a) JASON CHAD BAAR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, BUSINESS, OR GOODWILL, ARISING OUT OF OR RELATING TO THE SITE OR SERVICES, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF JASON HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) FOR PAID SERVICES, JASON'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES SHALL NOT EXCEED THE FEES YOU ACTUALLY PAID TO JASON FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

(c) FOR USE OF THE SITE AND FREE SERVICES (INCLUDING THE FREE 15-MINUTE Q&A CONSULTATION), JASON'S TOTAL CUMULATIVE LIABILITY SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES; IN SUCH JURISDICTIONS, JASON'S LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

13. Indemnification

You agree to indemnify, defend, and hold harmless Jason Chad Baar, his contractors, and his successors from and against any claims, losses, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to:

  • Your use of the Site or Services.
  • Your violation of these Terms.
  • Your violation of any law or any rights of a third party.
  • Any content you submit to or through the Site.

14. Termination

Jason may suspend or terminate your access to the Site or Services, in whole or in part, at any time, with or without notice, for any reason (including, without limitation, violation of these Terms). You may stop using the Site at any time.

Sections that by their nature should survive termination (including but not limited to Sections 4 (Disclaimers), 9 (Intellectual Property), 11 (Warranties), 12 (Limitation of Liability), 13 (Indemnification), and 15 (Dispute Resolution)) shall survive.

15. Dispute Resolution

15.1 Governing Law

These Terms and any dispute arising out of or relating to them or to the Services are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

15.2 Informal Resolution

Before initiating any formal proceeding, you agree to attempt to resolve the dispute informally by contacting Jason via the web form or mail at the addresses in Section 17. You agree to allow at least 30 days for informal resolution from the date of your written notice.

15.3 Binding Arbitration

If informal resolution fails, any dispute arising out of or relating to these Terms or the Services (except claims for injunctive relief and claims that qualify for small-claims court — see 15.5) shall be resolved by binding individual arbitration administered by JAMS or the American Arbitration Association under their applicable consumer rules.

  • Location: Miami-Dade County, Florida (or by videoconference, by mutual agreement).
  • Costs: Each party bears its own costs unless the arbitrator awards costs or fees under applicable law.
  • Arbitrator authority: The arbitrator has exclusive authority to resolve disputes about the interpretation, applicability, enforceability, or formation of this arbitration agreement.

15.4 Class Action Waiver

YOU AND JASON AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative proceeding.

15.5 Small Claims Carve-Out

Either party may bring an individual claim in small-claims court in Miami-Dade County, Florida, if it qualifies for that court's jurisdiction.

16. Changes to These Terms

Jason may modify these Terms at any time. The "Last Updated" date at the top reflects the most recent revision. Material changes will be communicated through a prominent notice on the Site for a reasonable period. Your continued use of the Site or Services after the effective date of a revision constitutes acceptance of the revised Terms.

17. Contact

For questions about these Terms:

By web form: the contact form on the Site

By mail: Jason Chad Baar 382 NE 191st Street STE 54441 Miami, FL 33179

18. Miscellaneous

18.1 Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions remain in full force and effect.

18.2 No Waiver

No failure or delay by Jason to enforce any provision of these Terms is a waiver of that or any other provision.

18.3 Assignment

You may not assign or transfer these Terms or any rights or obligations under them without Jason's prior written consent. Jason may assign these Terms or any rights or obligations under them to a successor entity or in connection with a sale of substantially all of his business assets.

18.4 Entire Agreement

These Terms, together with our Privacy Policy and any specific written engagement letter executed between you and Jason for a paid Service, constitute the entire agreement between you and Jason regarding the Site and Services. They supersede any prior oral or written communications between the parties on the subject matter.

18.5 Force Majeure

Jason shall not be liable for any delay or failure to perform that is caused by events beyond his reasonable control, including but not limited to natural disasters, government action, war, civil unrest, internet or utility outages, or third-party service failures.

19. Medicare-Specific Disclosures

The following federal Medicare disclosures are repeated here for clarity:

  • Not connected with or endorsed by the U.S. Government or the federal Medicare program (Section 1140 of the Social Security Act).
  • Jason Chad Baar is not a Third Party Marketing Organization (TPMO) under 42 C.F.R. § 422.2260.
  • State-licensed advisor. Jason holds the Florida Unaffiliated Insurance Agent License W149493 (Type 2-15). NPN: 2033715. Additional state licenses are listed on the Licenses page of the Site.

These Terms of Service are provided as a starting point. They should be reviewed by qualified legal counsel before publication, particularly the disclaimers, limitation-of-liability provisions, dispute-resolution provisions, and any insurance-regulatory and Medicare-regulatory language.