Terms and Conditions

Effective Date: September 2026

Welcome to Grey State Financial LLC.

These Terms and Conditions (“Terms”) govern your access to and use of greystatefinancialllc.net and the information, forms, communications, and services made available through this website.

By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

1. USE OF THIS WEBSITE

This website is provided for general informational purposes and to help visitors learn about Medicare, insurance products, and services offered through Grey State Financial LLC.

You agree to use this website only for lawful purposes and in a manner that does not interfere with the operation, security, or accessibility of the website or the rights of others.

You may not attempt to gain unauthorized access to the website, its servers, systems, accounts, or data.

2. INSURANCE AND MEDICARE INFORMATION

The information provided on this website is intended for general informational purposes and should not be considered a guarantee of coverage, eligibility, benefits, premiums, or enrollment.

Medicare and insurance plans may vary by carrier, state, county, service area, eligibility, provider network, prescription coverage, and other factors.

Information on this website should not replace official plan documents, Evidence of Coverage documents, Medicare publications, carrier information, or advice provided by an appropriately licensed insurance professional.

Submitting information through this website does not automatically enroll you in any Medicare or insurance plan.

3. REQUESTS FOR INFORMATION

When you submit a form, schedule an appointment, call us, or otherwise request information, you authorize Grey State Financial LLC to respond to your request using the contact information you provide.

A licensed insurance agent may contact you to discuss Medicare or insurance products related to your inquiry.

Consent to be contacted is not a condition of purchasing an insurance product or enrolling in a plan.

4. NO GUARANTEE OF AVAILABILITY OR ELIGIBILITY

Grey State Financial LLC does not guarantee that any specific insurance plan, benefit, premium, provider, prescription, or product will be available to you.

Availability and eligibility depend on factors that may include your location, age, enrollment status, carrier requirements, service area, and applicable laws or regulations.

Insurance carriers may modify or discontinue products, benefits, premiums, provider networks, formularies, and other plan features.

5. SMS TERMS AND CONDITIONS

By voluntarily providing your mobile phone number and selecting an SMS consent option where provided, you agree to receive text messages from Grey State Financial LLC related to your inquiry, appointment, requested services, follow-up communications, or general information.

Message frequency may vary.

Message and data rates may apply depending on your mobile carrier and service plan.

You may opt out of SMS communications at any time by replying:

STOP

to any message you receive from Grey State Financial LLC.

For assistance, reply:

HELP

or contact Grey State Financial LLC directly.

Consent to receive SMS communications is not a condition of purchasing any product or service.

Mobile phone numbers, SMS opt-in information, and SMS consent will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.

You may choose not to receive SMS communications by not selecting the SMS consent option when submitting a form.

6. EMAIL AND PHONE COMMUNICATIONS

If you provide your email address or phone number when requesting information, Grey State Financial LLC may use that information to respond to your inquiry and provide requested follow-up communications.

Where applicable, you may request that communications stop by using the unsubscribe instructions provided or by contacting us directly.

7. PRIVACY

Your use of this website is also subject to our Privacy Policy.

Our Privacy Policy explains how Grey State Financial LLC may collect, use, protect, and disclose information submitted through this website.

8. INTELLECTUAL PROPERTY

Unless otherwise stated, the content available on this website, including text, graphics, logos, branding, illustrations, images, layout, and other materials, is owned by or licensed to Grey State Financial LLC.

Content may not be copied, reproduced, distributed, modified, republished, or commercially exploited without authorization, except as permitted by applicable law.

9. THIRD-PARTY WEBSITES AND SERVICES

This website may contain links to third-party websites, including government agencies, insurance carriers, healthcare resources, social media platforms, or other external services.

Grey State Financial LLC does not control these third-party websites and is not responsible for their content, availability, security, accuracy, or privacy practices.

Your use of third-party websites is subject to the terms and policies of those third parties.

10. WEBSITE AVAILABILITY

We attempt to maintain accurate and accessible information on our website, but we do not guarantee that the website will always be available, error-free, uninterrupted, or completely up to date.

We may modify, suspend, restrict, or discontinue portions of the website at any time.

11. INFORMATION ACCURACY

Grey State Financial LLC makes reasonable efforts to provide accurate and useful information.

However, Medicare rules, insurance products, carrier offerings, plan benefits, premiums, provider networks, formularies, enrollment periods, and regulatory requirements may change.

We do not guarantee that every piece of information on the website will remain current at all times.

Visitors should verify important Medicare information through official Medicare resources or with an appropriately licensed insurance agent before making coverage decisions.

12. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, Grey State Financial LLC is not liable for losses or damages resulting from your use of, inability to use, or reliance on information available through this website.

Nothing in these Terms excludes liability that cannot legally be excluded or limited.

13. SECURITY

You agree not to attempt to interfere with the security or operation of this website.

This includes attempts to introduce malware, bypass security measures, access restricted systems, scrape protected information without authorization, or otherwise disrupt website functionality.

14. CHANGES TO THESE TERMS

Grey State Financial LLC may update these Terms and Conditions from time to time to reflect changes to our website, services, business practices, or legal requirements.

The most current version will be posted on this page with an updated effective date.

Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.

15. GOVERNING LAW

These Terms are governed by applicable United States law and, where applicable, the laws of the state in which Grey State Financial LLC operates, without regard to conflict-of-law principles.

Nothing in these Terms limits any rights or protections that cannot legally be waived under applicable law.

16. CONTACT INFORMATION

Questions regarding these Terms and Conditions may be directed to:

Grey State Financial LLC

6980 East Sahuaro Drive
Unit 1042
Scottsdale, AZ 85254

Phone:
424-348-3637

Email:
avi@greystatefinancialllc.net

Website:
greystatefinancialllc.net

17. MEDICARE DISCLOSURE

Grey State Financial LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program.

We do not offer every plan available in your area.

[INSERT CURRENT CMS/TPMO-APPROVED DISCLOSURE, INCLUDING THE CURRENT NUMBER OF ORGANIZATIONS AND PRODUCTS REPRESENTED, IF REQUIRED.]

Please contact Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP) for information about all available Medicare options.

This is a solicitation for insurance.

Plan availability, eligibility, benefits, premiums, provider networks, prescription coverage, and other plan features vary by carrier, plan, state, county, and service area.

Enrollment may be limited to certain times of the year unless you qualify for an applicable enrollment period.

Enrollment is subject to applicable eligibility requirements and the applicable plan’s contract with Medicare.