Who we are
We are We Speak Medicare. We are based in Washington State.
Our website address is: wsmagents.com
Our email address is: [email protected]
What personal data we collect and why we collect it
Your contact form submissions, including your name, email and message, are stored in our database so that we may look back on them in the future to provide you with better customer support. We may use this information for marketing purposes. Please contact us at the email address above if you would like this information removed from our database.
In some cases form data is provided to AssetLab Marketing use in providing the We Speak Medicare Agent Marketing Platform.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
This website uses Google Analytics to track website traffic. It helps us to provide a better customer experience. Google Analytics retains user-level data associated with cookies, user-identifiers and advertising identifiers for 26 months before it is automatically deleted.
Google Analytics uses IP anonymization so that visitors cannot be identified.
Who We Share Your Data With
We track website traffic using Google Analytics.
We partner with AssetLab Marketing.
AssetLab Marketing provides the We Speak Medicare Agent Marketing Platform and all related data is provided to them to provide this service.
How Long We Retain Your Data
Contact form information (name, email, message) are stored indefinitely. We may periodically delete this information. To have your contact form submission permanently deleted from our database please contact us at the email address above.
Google Analytics retains user-level data associated with cookies, user-identifiers and advertising identifiers for 26 months before it is automatically deleted. Collected data is processed in such a way that visitors cannot be identified.
What Rights You Have Over Your Data
You can also request that we delete your contact form submissions stored in our database, your email from our email newsletter list or your information stored within our payment processor (if applicable).
Please contact us at the email address above for any such requests.
How We Protect your Data
Your privacy is very important to us. We use an SSL certificate to provide an encrypted connection to our website.
Google Analytics uses IP anonymization so that visitors cannot be identified.
We do not sell any data to third-parties except in the unanticipated and rare event that we sell or divest assets from the business.
Contact information, credentials, and payment information are stored securely and only those team members who need access to this information to provide you service have access.
Data Breach Proceedures
We will email you if we find out that any personally identifying information about you is stolen in a data breach.
What Third Parties We Recieve Data From
We do not receive data from any third parties.
Automated Decision Making
We do not make automated decisions based on user data.
Terms Of Service
This website is operated by We Speak Medicare. Throughout the site, the terms “we”, “us”, “our” and “We Speak Medicare” refer to We Speak Medicare. We offer this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
By visiting our site and/ or purchasing something from us, you engage in our “Service” or “Website” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.
Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.
Any new features or tools which are added to the current website shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
SECTION 1 – WEBSITE TERMS
By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
A breach or violation of any of the Terms will result in an immediate termination of your Services.
SECTION 2 – GENERAL CONDITIONS
We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.
SECTION 3 – YOUR WEBSITE AND ACCOUNT
By signing up and creating a website on our Service, you are held responsible for maintaining the security of your account, website and information as well as responsible for any activities that occur within your account in connection with your website. You may not commit fraud by stating that you or your business are/is something it’s not. We maintain the right to change and remove any information that it considers inappropriate or unlawful. It is your responsibility to notify us about any unauthorized use of your account or website. We are not liable for any acts or omissions by You, including any damages of any kind that have incurred as a result of these acts or omissions.
SECTION 4 – MODIFICATIONS TO THE SERVICE AND PRICES
Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) with 30 days notice given at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension, unavailability, or discontinuance of the Service.
SECTION 5 – YOUR RESPONSIBILITY AND THOSE OF CONTRIBUTORS
By operating a Website, commenting, posting material, post links on the Website, or otherwise make (or allow a third party to commit these actions) material available by means of the Website (any such material, “Content”), You are completely responsible for the Material and any harm that may result from it. By making any Content (text, graphic, audio, visual, software) available, you represent and warrant that:
- using, downloading or copying this Content does not infringe the proprietary rights including, but not limited to the copyright, patent, trademark or trade secret rights of any third party;
- if your employers obtains the rights to intellectual property that you create, you must either have received permission from your employer to post or make this Content available;
- you have have fully complied with any and all third-party licenses related to the Content, and have done all things required to successfully pass through to end users any required terms;
- the Content does not contain or install any viruses, worms, malware, Trojan horses or any other harmful or destructive content;
- the Content is not spam, is not machine-generated, and doesn’t contain unethical or unwanted commercial content that is designed to drive traffic to third party websites or increase search engine rankings of third party websites, or to further unlawful acts (ie. phishing) or mislead recipients as to the source of the Content (ie. spoofing);
- the Content is not pornographic, does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity of any third party;
- your site is not getting advertised via unwanted electronic messages such as spam links on newsgroups, email lists, other sites and web sites, and similar unsolicited promotional methods;
- your site is not named in a manner that misleads your readers into thinking that you are another person or company. For example, your site’s URL or name is not the name of a person other than yourself or company other than your own; and
- you have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by Restaurant Den or otherwise.
By submitting Content to us for inclusion on your Website, you grant us a world-wide, royalty-free, and non-exclusive, perpetual license to reproduce, modify, adapt and publish the Content for the purpose of displaying, distributing and promoting your site. You also grant us the same ability to name you as a client or customer and to present Content as examples of our work even after ending Service with us. If you delete Content, we will use reasonable efforts to remove it from the Website, but you acknowledge that caching or references to the Content may not be made immediately unavailable.
Without limiting any of those representations or warranties, we have the right (though not the obligation) to, in our sole discretion (i) refuse or remove any content that, in our reasonable opinion, violates any of our policies or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the Website to any individual or entity for any reason, in our sole discretion. We will have no obligation to provide a refund of any amounts previously paid.
SECTION 6 – ACCURACY OF BILLING AND ACCOUNT INFORMATION
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel orders purchased per person. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, re-sellers or distributors.
You agree to provide current, complete and accurate purchase and account information for all purchases made at our Website. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.
You agree to provide the necessary account access or permissions to 3rd Party systems for our use as needed, in our judgement, to provide our services to you. We agree to take reasonable, industry standard steps to safeguard all information you provide.
SECTION 7 – PAYMENT AND RENEWAL
- General Terms. Paid services are available on the Website. By selecting a paid service you agree to pay us the monthly or annual subscription fees indicated for that service. Payments will be charged on a pre-pay basis on the day you sign up for a paid service and will cover the use of that service for a monthly or annual subscription period as indicated. Fees are not refundable. Full fees are due for any partial month of service.
- Automatic Renewal. Unless you notify us before the end of the applicable subscription period that you want to cancel a service, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such service using any credit card or other payment mechanism we have on record for you. Services can be canceled at any time in the account section on the Website.
- Adding and Removing Services on One Account. At additional cost, customers can add multiple websites associated under their single membership with us. The cost of membership is charged on a per website basis. Customers will be charged once per month for ALL websites that have been added to their account. When a website is added or removed from a customer’s account, the service charge is pro-rated accordingly and reflected on the next charge.
- Hourly Rate. Some Services are billed hourly. In such cases billed time is rounded up to the nearest 1/10 hour. Sales receipts and payments will be processed at least monthly. We bill for travel time and meetings outside of any previously agreed scope.
- Chargebacks. In the event a chargeback is submitted against a payment processed as part of your Services a Chargeback Fee of $100 will be assessed, regardless of the validity of the Chargeback. This fee covers our expenses to properly respond to a chargeback inquiry from the payment processor.
- Late Payments. In the event you fail to pay for your services by the due date the balance due will be considered overdue. Overdue balances incur interest at 1% per month and are billed on the next successful payment date. Accounts with an Overdue balance may be canceled without notice and at our discretion as they represent a breach of this contract.
SECTION 8 – THIRD-PARTY LINKS
Certain content, products and services available via our Service may include materials from third-parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
SECTION 9 – RESPONSIBILITY OF WEBSITE VISITORS
We have not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material’s content, use or effects. By operating the Website, we do not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. We disclaim any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content there posted.
SECTION 10 – COPYRIGHT INFRINGEMENT AND DMCA POLICY
We ask that others respect our intellectual property rights, and we respect the intellectual property rights of others. If you believe that material located on or linked to by us violates your copyright, you are encouraged to notify us in accordance with Digital Millennium Copyright Act. We will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. We will terminate a visitor’s access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of us or others. In the case of such termination, we will have no obligation to provide a refund of any amounts previously paid to us.
SECTION 11 – INTELLECTUAL PROPERTY
This Agreement does not transfer from us to you any of our or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with us. Our company, our marks, and all other trademarks, service marks, graphics and logos used in connection with the Website and our company are owned by us. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. Your use of the Website grants you no right or license to reproduce or otherwise use any of our or third-party trademarks.
SECTION 12 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.
You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall we, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
SECTION 13 – DOMAIN NAMES
If you are registering a domain name, using or transferring a previously registered domain name, you acknowledge and agree that use of the domain name is also subject to the policies of the Internet Corporation for Assigned Names and Numbers (“ICANN”), including their Registration Rights and Responsibilities.
SECTION 14 – ADVERTISEMENTS
We reserves the right to display a link to a website owned by us at the bottom of your website and/or in a content article on your website detailing our Service.
SECTION 15 – INDEMNIFICATION
You agree to indemnify, defend and hold harmless us, our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
SECTION 16 – SEVERABILITY
In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
SECTION 17 – TERMINATION
We may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your account (if you have one), you may contact us to request cancellation of your account. Notwithstanding the foregoing, such account can only be terminated by us if you materially breach this Agreement and fail to cure such breach within thirty (30) days from our notice to you thereof; provided that, we can terminate the Website immediately as part of a general shutdown of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
SECTION 18 – ONLINE ORDERING
Online ordering and registration is provided in partnership with a 3rd party. We are not to be held responsible for any service downtime of the system that is out of our control.
SECTION 19 – ENTIRE AGREEMENT
The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.
SECTION 20 – GDPR & ADA COMPLIANCE
We will not be held responsible for any penalties or fines that you, or your website, receive for not being GDPR or ADA compliant. This applies especially to services that aim to improve GDRP or ADA compliance. It is up to you, and we suggest you consult a lawyer, to determine what changes need to be made to your website to ensure that you are compliant with local and worldwide regulations.
SECTION 21 – GOVERNING LAW
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of King County, Washington State, United States of America.
SECTION 22 – CHANGES TO TERMS OF SERVICE
You can review the most current version of the Terms of Service at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
SECTION 23 – CONTACT INFORMATION
Questions about the Terms of Service should be sent to us at [email protected].
SECTION 24 – We Speak Medicare Agent Marketing Platform
The We Speak Medicare Agent Marketing Platform provides websites and other marketing services directly to agents and are provided by AssetLab Marketing. Subscription fees are paid to We Speak Medicare. Subscriptions have a minimum term of 12 months. After the 12 month period the subscription may be cancelled with 30 days written notice to [email protected]. Any changes or help needed with your presence on this platform can be requested through WSMAgents.com. You may also work with the We Speak Medicare team to address any issues or needs.
AssetLab Marketing owns all websites and domain names provided by the platform and these and other services provided by the platform are governed by the Software Licensing Agreement between We Speak Medicare and AssetLab Marketing. You agree that data you submit in connection with the Agent Marketing Platform will be shared with AssetLab Marketing. You also agree to hold AssetLab Marketing, it’s owners, employees, and agents harmless and agree not to pursue legal action against these parties for any reason now and ad infinitum.
By subscribing to the Agent Marketing Platform you agree to the terms in this section.
We Speak Medicare is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone, and applying the relevant accessibility standards. Effective 6/1/2020
Measures to support accessibility
We take the following measures to ensure accessibility of Website:
- Include accessibility throughout our internal policies.
- Integrate accessibility into our procurement practices.
The Web Content Accessibility Guidelines (WCAG) defines requirements for designers and developers to improve accessibility for people with disabilities. It defines three levels of conformance: Level A, Level AA, and Level AAA. Website is partially conformant with WCAG 2.1 level AA. Partially conformant means that some parts of the content do not fully conform to the accessibility standard.
We welcome your feedback on the accessibility of Website. Please let us know if you encounter accessibility barriers on Website:
- E-mail: [email protected]
We try to respond to feedback within 5 business days.
Compatibility with browsers and assistive technology
Website is designed to be compatible with the following assistive technologies:
- The most recent 2 versions of the Chrome, Edge, and Safari browsers.
Website is not compatible with:
- All other versions may experience incompatibility but none are specifically known at this time.
Accessibility of Website relies on the following technologies to work with the particular combination of web browser and any assistive technologies or plugins installed on your computer:
These technologies are relied upon for conformance with the accessibility standards used.
Limitations and alternatives
Despite our best efforts to ensure accessibility of Website, there may be some limitations. Below is a description of known limitations, and potential solutions. Please contact us if you observe an issue not listed below.
Known limitations for Website:
- Graphics and Visual Overlaws: These areas of the website may be difficult to read. because As we cannot assure text contract differences are sufficient when placed over an image.. We consider accessibility when choosing text size, font, color, and overlays to allow proper readability while also maintaining visual appeal.. Please contact us with the information provided so that we know where additional attention is needed..
- Text Content Screen Reading: We do not provide screen reader technology as part of the website. because It is impractical for us to do so due to the size of our company and the cost to provide this technology directly.. We review our accessibility position at least annually as an internal process and will add such technology should it become available at an affordable price.. Consider using a 3rd party screen reader service..
AssetLab Marketing assessed the accessibility of Website by the following approaches: