Terms of Service | The Pannell Agency

By accessing and using pannellagency.com (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use this Website.

We grant you a limited, non-exclusive, non-transferable license to: • Access and view Website content for personal, non-commercial purposes • Use forms to inquire about Medicare services You may NOT: • Reproduce, modify, or distribute content without permission • Use automated tools, bots, or scrapers • Attempt to gain unauthorized system access • Transmit viruses, malware, or harmful content • Use the Website for any illegal purpose

THE WEBSITE AND SERVICES ARE PROVIDED "AS-IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING: • Fitness for a particular purpose • Merchantability • Non-infringement • Accuracy or completeness of information We do not warrant the Website will be uninterrupted or error-free.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE PANNELL AGENCY SHALL NOT BE LIABLE FOR: • Indirect, incidental, special, consequential, or punitive damages • Lost profits, lost revenue, or lost business opportunity • Failure to obtain expected Medicare savings or coverage • Errors in Medicare plan information or recommendations • User reliance on Website content MAXIMUM LIABILITY: Limited to amount paid for services (if any)

THE WEBSITE PROVIDES INFORMATION ONLY AND DOES NOT CONSTITUTE: • Medical advice • Legal advice • Professional financial advice • Medical diagnosis or treatment recommendations • Guarantees of specific plan benefits or costs CONSULT WITH YOUR DOCTOR OR ATTORNEY FOR PROFESSIONAL ADVICE.

A. We are NOT affiliated with: • Medicare (CMS - Centers for Medicare & Medicaid Services) • Social Security Administration • U.S. Department of Health & Human Services • The federal government or any government agency B. Coverage Details: • We represent multiple Medicare plans but do not offer every plan available • Specific plan features, costs, and coverage vary by location and carrier • Medicare Advantage plans include Parts A, B, and often Part D • Supplemental (Medigap) plans cover gaps in Original Medicare • Individual results and savings vary based on your specific situation C. Annual Enrollment Period (AEP): • October 15 - December 7: Annual Enrollment Period for Medicare changes • Certain plans have different enrollment windows • Penalties may apply if you miss deadlines • Special Enrollment Periods may apply for qualifying events D. We Do NOT: • Guarantee specific plan approvals or coverage • Promise certain cost savings • Guarantee network doctors will participate in your plan • Guarantee specific medications will be covered • Provide medical information about plan effectiveness

By submitting content (forms, inquiries, feedback): • You grant us a perpetual license to use your comments for service improvement • We may use anonymized feedback in testimonials • You warrant you own/control submitted content • You agree we may contact you regarding submissions • You release us from liability regarding use of submissions

• Testimonials represent individual experiences and results may vary • We do not guarantee similar outcomes for other users • Individual results depend on personal health, location, and circumstances • See Google reviews for verified customer feedback

• All Website content (text, graphics, logos, images, software) is our property • Copyrighted © 2026 The Pannell Agency. All rights reserved. • You may not use our content without written permission • Fair use applies to brief quotes with proper attribution

You agree to: • Provide accurate, truthful information on forms • Not impersonate others • Not access data of other users • Not conduct illegal activities • Protect your account information • Report security breaches immediately

The Website links to Medicare.gov, insurance carriers, and other sites. We: • Are not responsible for third-party content or practices • Do not endorse third-party sites • Disclaim liability for third-party services • Encourage you to review their terms and policies independently

We may modify these Terms at any time. Changes are effective upon posting. Your continued use constitutes acceptance of updated Terms. Check this page regularly for changes.

We may terminate your access to the Website if you: • Violate these Terms • Conduct illegal activities • Attempt unauthorized system access • Violate intellectual property rights

A. Governing Law: These Terms are governed by Alabama law. Disputes are subject to Alabama state courts' exclusive jurisdiction. B. Dispute Resolution: • First, attempt good-faith resolution with Joey Pannell directly • If unresolved, disputes shall be resolved in circuit court, Cullman County, Alabama C. Arbitration Waiver: YOU WAIVE THE RIGHT TO A JURY TRIAL AND CLASS ACTION LITIGATION.

If any provision is invalid, remaining provisions continue in effect.

These Terms, plus the Privacy Policy, constitute the entire agreement regarding the Website and supersede all prior agreements.

Questions about these Terms? Contact: Joey Pannell Email: joeypannell@gmail.com Phone: (256) 221-0417 Address: 1904 Commerce Ave NW, Cullman, AL 35055