Terms of Service

MedicareClear is operated by Abdul Samad in Punjab, Pakistan. The site provides free calculators, explanations, and links to official sources about US Medicare and ACA rules.

General information, not advice

The site provides general information and estimates. It is not legal, tax, medical, or insurance advice, and it does not create a professional relationship. A calculator result is not an official eligibility determination, a plan quote, or a promise of coverage.

Rules change, state programs differ, and your own facts may fall outside the assumptions used by a calculator. Check the official source linked on the page and confirm the result with the agency or plan before you act.

Acceptable use

• Use the site for lawful, personal, or internal business research.
• Do not attempt to disrupt the site, bypass security, or access it with automated tools in a way that harms service.
• Do not copy the site in a way that removes attribution or misrepresents the source.
• Do not use the site to send unlawful, misleading, or harmful material.

Intellectual property

The site's original text, design, and calculator code are owned by Abdul Samad or used with permission. Government publications and other third-party materials remain subject to their own terms. You may link to the site and quote a short passage with attribution, but you may not republish a substantial part of it as your own.

Third-party links and services

The site links to government agencies and may use third-party hosting, form, analytics, or advertising services. Those services are controlled by their own operators and governed by their own terms and privacy policies. MedicareClear is not responsible for a third-party site's content or availability.

No warranty

The site is provided as is and as available. To the extent permitted by law, MedicareClear makes no warranty that the site will be uninterrupted, error-free, or complete, or that a result will fit a particular situation. Nothing in these terms limits a right that cannot be limited by law.

Limitation of liability

To the extent permitted by law, Abdul Samad and MedicareClear are not liable for a loss that results from reliance on general information, a calculator estimate, a third-party link, or an interruption of the site. This does not apply where liability cannot legally be excluded.

Changes and governing law

The site and these terms may change. The date at the top of the page shows the latest review. These terms are governed by the laws of Punjab, Pakistan, without regard to conflict-of-law rules. Any dispute will be handled in a court with jurisdiction in that location, subject to any mandatory consumer protection that applies.

Contact

Questions about these terms can be sent to [email protected]. Read the disclaimer and privacy policy for more detail.

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