Legal Disclaimer
Effective Date: 2024-2025
General Information
The information provided by GoldenOps Financial Services ("we," "us," or "our") on www.goldenops-finserv.com and any related services, including but not limited to financial or insurance advisory services, is for general informational purposes only. All information on the Site is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.
Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Site or reliance on any information provided on the Site. Your use of the Site and your reliance on any information on the Site is solely at your own risk.
No Client Relationship
Your use of our Site does not create a broker-client, agent-client, or insured-client relationship between you and GoldenOps Financial Services. Any contact or communication with our team through this website or via any electronic means does not automatically create such a relationship unless explicitly acknowledged through formal documentation and mutual agreement.
Not a Substitute for Professional Advice
GoldenOps Financial Services provides insights into Medicare, life insurance, and other financial services, but this content should not be construed as financial, medical, or legal advice. You are encouraged to consult with professional advisers to determine the appropriateness of the information for your specific situation.
Nothing on the Site constitutes professional or financial advice, nor does it establish any fiduciary relationship between you and GoldenOps Financial Services. The material presented on this Site is intended solely for informational and educational purposes.
State Licensure Compliance
GoldenOps Financial Services is duly licensed to offer Medicare, life insurance, and related services in the states of Arizona, California, Georgia, Nevada, Florida, and Texas. The products and services described on this Site may not be available in all jurisdictions. Individuals residing in those jurisdictions should not act upon any information provided without first seeking the guidance of a licensed insurance professional.
You are solely responsible for ensuring that any services or products that you inquire about or purchase through this Site comply with the relevant laws and regulations of your jurisdiction, including updated requirements under state and federal law.
Medicare Disclaimer
We do not offer every plan available in your area. Currently, we represent 13 organizations which offer 88 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all your options. GoldenOps Financial Services operates as part of Team Alvarez Insurance Services, license #0G80296.
Regulatory Compliance and Updated Legal Frameworks
GoldenOps Financial Services complies with all applicable state and federal laws, including recent updates to privacy and consumer protection laws such as the California Consumer Privacy Act (CCPA) and the Health Insurance Portability and Accountability Act (HIPAA). We have implemented all necessary measures to comply with the No Surprises Act and the Consolidated Appropriations Act, which ensure transparency in health insurance and limit unexpected out-of-network charges for consumers.
In accordance with the Final Rule from the Centers for Medicare & Medicaid Services (CMS), we provide clear, accurate, and detailed information on Medicare Advantage plans, prescription drug plans, and other health coverage options. We also ensure compliance with new requirements regarding third-party marketing organizations (TPMOs) that service Medicare beneficiaries.
GoldenOps Financial Services ensures that we follow any updates from the Affordable Care Act (ACA) and Medicare Modernization Act (MMA) in relation to our services and products.
External Links Disclaimer
The Site may contain (or you may be sent through the Site) links to other websites or content belonging to or originating from third parties or links to websites and features in banners or other advertising. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by us.
We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the Site or any website or feature linked in any banner or other advertising. We will not be a party to or in any way responsible for monitoring any transaction between you and third-party providers of products or services.
Limitation of Liability
In no event shall GoldenOps Financial Services, nor its directors, employees, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or related to your use of the Site, the content on the Site, or any service provided through the Site.
Our liability is limited to the maximum extent permitted by applicable law, and in no case shall it exceed the fees paid by you, if any, for services rendered.
Indemnification
You agree to defend, indemnify, and hold harmless GoldenOps Financial Services and its affiliates, officers, agents, employees, and partners from and against any and all claims, liabilities, damages, losses, and expenses, including but not limited to attorney's fees, arising out of or in any way connected with your use of the Site, your violation of this Legal Disclaimer, or your infringement, or infringement by any other user of your account, of any intellectual property or other rights of any person or entity.
Changes and Amendments
We reserve the right to amend or modify this Legal Disclaimer at any time and will post the updated terms on the Site. By continuing to access or use the Site after any revisions become effective, you agree to be bound by the updated terms. If you do not agree to the new terms, you are no longer authorized to use the Site.
Governing Law
This Legal Disclaimer and any matters related to your use of the Site shall be governed by, and construed in accordance with, the laws of the State of California, without regard to its conflict of laws principles. Any disputes arising from or in connection with this Legal Disclaimer will be subject to the exclusive jurisdiction of the courts located in California.
Contact Us
If you have any questions, concerns, or require further clarification about this Legal Disclaimer, please contact us:
Email: goldenopsfinserv@gmail.com
Phone: (562) 614-4043
Address: 17434 Bellflower Blvd, Ste 200-109, Bellflower, CA 90706