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The Medicare Desk

Last verified: April 19, 2026.

Terms of Service

Effective Date: April 18, 2026 Last Updated: April 18, 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern your use of themedicaredesk.com (the "Site"), operated by Tojocu LLC, an Arizona limited liability company ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

2. Eligibility

You must be at least 18 years old to use the Site. By using the Site, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

3. Informational Purpose Only

The Site provides educational information about Medicare, health insurance options, and related topics. The Site does not sell insurance, issue policies, or act as a licensed insurance agent or broker.

Content on the Site is for general informational purposes only. It is not:

  • Medical advice
  • Legal advice
  • Financial or tax advice
  • Insurance advice specific to your situation
  • A substitute for consultation with a licensed professional

You should consult a licensed insurance agent, broker, or Medicare counselor (such as your State Health Insurance Assistance Program, or SHIP) for guidance specific to your circumstances. You may also contact 1-800-MEDICARE or visit Medicare.gov for official information.

4. No Guarantee of Accuracy

We make reasonable efforts to provide accurate, current information. However, Medicare rules, plan benefits, premiums, networks, and eligibility change frequently. We do not warrant that Site content is complete, accurate, current, or error-free.

Always verify critical information with Medicare.gov, 1-800-MEDICARE, your State Health Insurance Assistance Program, or a licensed insurance professional before making enrollment decisions.

5. Affiliate Relationships

The Site participates in affiliate programs. We may earn compensation when you click certain links and take qualifying actions on partner websites. These relationships do not affect the price you pay. For full details, see our Affiliate Disclosure.

6. Intellectual Property

All Site content, including text, graphics, logos, images, and software, is owned by Tojocu LLC or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

6.1 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes.

6.2 Restrictions

You may not:

  • Reproduce, distribute, or publicly display Site content without our prior written permission
  • Modify, adapt, or create derivative works based on Site content
  • Use automated systems (bots, scrapers, crawlers) to access the Site except as permitted by our robots.txt
  • Reverse engineer or attempt to extract source code
  • Use the Site for any unlawful purpose or in violation of these Terms

7. User Conduct

When using the Site (including any forms, comments, or contact submissions), you agree not to:

  • Submit false, misleading, or fraudulent information
  • Transmit viruses, malware, or harmful code
  • Attempt to gain unauthorized access to Site systems
  • Harass, threaten, or defame any person
  • Violate any applicable law or regulation

8. Third-Party Links and Content

The Site contains links to third-party websites, including affiliate partners, government resources, and insurance carriers. We do not control, endorse, or assume responsibility for third-party content, privacy practices, or policies. You access third-party sites at your own risk.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, TOJOCU LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SITE.

Our total aggregate liability for any claim arising from or related to these Terms or your use of the Site shall not exceed one hundred U.S. dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Tojocu LLC and its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any third-party rights.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of laws principles. Any dispute arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Maricopa County, Arizona. You consent to the personal jurisdiction of those courts.

13. Changes to These Terms

We may modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the Site after changes constitutes acceptance of the modified Terms.

14. Termination

We may terminate or suspend your access to the Site at any time, without notice, for any reason, including violation of these Terms.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and other policies referenced herein, constitute the entire agreement between you and Tojocu LLC regarding the Site.

17. Contact

Questions about these Terms:

Tojocu LLC Attn: Legal / Compliance 10869 N Scottsdale Rd, Suite 103 PMB 556 Scottsdale, AZ 85254 United States

Email: [email protected]

Editorial independence. The Medicare Desk is an independent editorial publication of Tojocu LLC. We do not sell insurance, do not accept commissions or fees from insurance carriers, and are not paid to recommend any plan or company. We do not collect contact information for the purpose of connecting consumers with agents.

Not insurance advice specific to you. The information on this site is general educational content and is not insurance, legal, tax, or financial advice. Coverage rules, premiums, and program features change. Always verify current details with the official source listed on each page and with a licensed professional in your state before making a decision.

Not affiliated with the U.S. government or the federal Medicare program. The Medicare Desk is a privately operated editorial site. It is not endorsed by, affiliated with, or operated by the Centers for Medicare and Medicaid Services, the Social Security Administration, or any other federal agency.

Tojocu LLC, 10869 N Scottsdale Rd, Suite 103 PMB 556, Scottsdale, AZ 85254. Editorial questions: [email protected]. Compliance and corrections: [email protected].