TERMS AND CONDITIONS
Effective Date: 2/01/2026
These Terms & Conditions govern access to and use of the True North Retirement Solutions website, forms, appointment calendars, communications, and related services.
True North Retirement Solutions is the doing-business-as name of The Medicare Exchange LLC.
1. Acceptance of Terms
By accessing or using this website, you agree to these Terms & Conditions and our Privacy Policy.
If you do not agree, you should discontinue use of the website.
2. Informational Purpose
Website content is provided for general informational and educational purposes. Content does not constitute individualized legal, tax, accounting, investment, medical, or financial advice.
Recommendations and services depend on individual circumstances, licensing requirements, product availability, written agreements, and applicable law.
3. Age Eligibility
You must be at least 18 years of age to use this website, submit a form, schedule an appointment, provide consent to receive SMS messages, or use the services offered by The Medicare Exchange LLC DBA True North Retirement Solutions.
By accessing this website, submitting your information, scheduling an appointment, or opting in to receive text messages, you represent and confirm that you are at least 18 years old and have the legal capacity to agree to these Terms & Conditions.
Our website, services, and SMS messaging programs are not intended for individuals under 18 years of age. We do not knowingly collect personal information from, provide services to, or send text messages to individuals under 18.
If we learn that information has been submitted by an individual under 18, we may delete the information and discontinue communications with that individual.
4. Medicare and Insurance Information
True North Retirement Solutions is not the federal government or the Medicare program.
We do not offer every plan available in every area. Information provided regarding Medicare plans is limited to plans represented by our licensed professionals. Consumers may contact Medicare.gov or 1-800-MEDICARE for information regarding all available options.
5. Appointment & Consultation Disclaimer
Scheduling an appointment or submitting a website form does not automatically create an advisory, fiduciary, insurance, or client relationship.
A formal relationship is established only through the applicable applications, disclosures, agreements, or other required documentation.
6. Communications Consent: SMS Messaging Program
The Medicare Exchange LLC DBA True North Retirement Solutions may operate SMS messaging programs for consumers who voluntarily provide the applicable consent.
Depending on the consent selected, messages may include:
1.-Appointment confirmations
2.-Appointment reminders
3.-Appointment changes and rescheduling
4.-Requested follow-up
5.-Client-service notifications
6.-Educational or promotional messages, when separately authorized
Consent to receive SMS messages is optional and is not a condition of purchasing a product, receiving services, submitting an inquiry, or scheduling an appointment.
7. Message Frequency and Charges
Message frequency varies based on appointments, requests, account activity, services, and the type of consent provided.
Message and data rates may apply. Your wireless carrier’s message and data charges are your responsibility. Contact your wireless provider with questions regarding your mobile plan.
8. Cancellation and Opt-Out
You may cancel SMS messages at any time by replying STOP.
After receiving a STOP request, we may send one final confirmation message confirming that you have been unsubscribed. After that confirmation, no additional messages will be sent through that messaging program unless you voluntarily subscribe again.
To re-enroll, complete the applicable opt-in process again or reply START when that option is available.
9. Customer Support
For assistance with the SMS program, reply HELP.
You may also contact True North Retirement Solutions at:
Telephone: 253-244-5520
Email: [email protected]
10. Carrier Responsibility
Wireless carriers are not responsible for text messages that are delayed, filtered, or not delivered.
Message delivery may be affected by carrier availability, device settings, network conditions, telephone-number status, or other factors outside our control.
11. Privacy
Information collected through our website and communications is handled according to our Privacy Policy.
Our Privacy Policy is available at:
truenorthretirementsolutions.com/privacy-policy
12. Prohibited Use
You may not use the website to:
1.-Violate applicable law
2.-Submit false or misleading information
3.-Attempt unauthorized access
4.-Interfere with website security or operation
5.-Transmit malicious code
6.-Misuse our intellectual property
7.-Impersonate another person or organization
13. Intellectual Property
Website content, branding, graphics, text, and other materials are owned by or licensed to The Medicare Exchange LLC DBA True North Retirement Solutions.
Materials may not be copied, republished, distributed, or commercially used without authorization, except as permitted by law.
14. Third-Party Services and Links
The website may include links, tools, calendars, maps, or services operated by third parties. We are not responsible for third-party availability, content, privacy practices, or terms.
15. No Guarantee of Results
Insurance, retirement, tax, healthcare, and financial outcomes depend on individual circumstances, market conditions, laws, product terms, eligibility, and other variables.
We do not guarantee a particular result, savings amount, investment return, approval, coverage outcome, or financial performance.
16. Limitation of Liability
To the extent permitted by law, The Medicare Exchange LLC DBA True North Retirement Solutions will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the website or reliance on its general content.
17. Changes to These Terms
We may revise these Terms periodically. Revised Terms will be posted with an updated effective date.
18. Governing Law
These Terms are governed by the laws of the State of Washington, without regard to conflict-of-law principles.
19. Contact Information
The Medicare Exchange LLC DBA True North Retirement Solutions
6004 Westgate Boulevard, Suite 120
Tacoma, Washington 98406
Telephone: 253-244-5520
Email: [email protected]