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Terms of Service

Terms of Service

Last Updated: [Date]

Welcome to Cible Insurance! Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the https://cibleinsurance.com website (the "Service") operated by Cible Insurance ("us", "we", or "our").

1. Acceptance of Terms By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you may not access the Service.

2. Changes to Terms We reserve the right to modify or replace these Terms at any time. Your continued use of the Service following the posting of any changes constitutes acceptance of those changes.

3. Services Provided Cible Insurance offers a range of insurance products and services, including but not limited to [List of insurance services such as health insurance, car insurance, life insurance, etc.]. The specific terms and conditions of each insurance product are outlined in the respective policy documents.

4. Eligibility You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you are at least 18 years old.

5. Account Registration To access certain features of our Service, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account information and for any activities or actions under your account.

6. Privacy Policy Your use of the Service is also governed by our Privacy Policy, which can be found at Privacy Policy. By using the Service, you consent to the terms of the Privacy Policy.

7. Use of the Service You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Service in any manner that could disable, overburden, or impair the Service or interfere with any other party's use of the Service.
  • Use any robot, spider, or other automatic devices, process, or means to access the Service for any purpose without our express written consent.
  • Use the Service for any unauthorized or illegal purpose.

8. Intellectual Property The Service and its original content, features, and functionality are and will remain the exclusive property of Cible Insurance and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Cible Insurance.

9. Limitation of Liability In no event shall Cible Insurance, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your use or inability to use the Service.
  • Any unauthorized access to or use of our servers and/or any personal information stored therein.
  • Any interruption or cessation of transmission to or from the Service.
  • Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Service by any third party.
  • Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Service.

10. Governing Law These Terms shall be governed and construed in accordance with the laws of CA, without regard to its conflict of law provisions.

11. Dispute Resolution Any dispute arising out of or in connection with these Terms shall be resolved through Arbitration/Mediation/Court, located in California.

12. Contact Us If you have any questions about these Terms, please contact us at:

Cible Insurance

Address: 1390 Market St #300,

San Francisco, CA 94102, United States

Phone: +1 510-730-7744

How does receiving Social Security benefits relate to obtaining Medicare?

Prior to reaching 65:

Your automatic enrollment in Part A (Hospital Insurance) and Part B (Medical Insurance) of Social Security (or the Railroad Retirement Board) upon reaching 65 years old is contingent upon your application being submitted at least four months prior to your 65th birthday.
You will still have to make critical choices regarding your insurance, such as whether to add prescription coverage.
You will need to enroll in Medicare if you wish to receive coverage when you turn 65 but do not intend to take retirement benefits at that time.

Following your 65th birthday:

When the time comes for you to enroll in Medicare, you'll need to get in touch with Social Security. 

Depending on your work situation and if you have health coverage through your employer, you may want to wait to sign up for Medicare.

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