Terms of Service

Welcome to 24Help.org. These Terms of Service ("Terms") govern your access to and use of our website, including all content, tools, and services offered (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our Services.

24Help.org is a free educational resource providing information, tools, and community features related to U.S. government benefits. Our services include, but are not limited to:

• Educational Content: Articles and guides on Social Security, Medicare, and other benefits.
• Interactive Tools: Calculators and multi-step "Benefits Plans" to help you understand your potential benefits.
• Video Uploads: The "Ask Dr. Ed Video" feature allowing you to submit video questions.
• Community Features: Opportunities to connect with other users and share information.
• Third-Party Referrals: Links to third-party services, such as appointment scheduling with Acuity and Medicare plan information through our affiliate, Chapter.

All information and tools on this website are for educational and informational purposes only. They are not intended to be a substitute for professional legal, financial, or medical advice. it is generally not advisable to rely on the information on this website as an alternative to professional advice from a qualified provider. Always verify information with official government sources.

Our Services may contain links to third-party websites or services that are not owned or controlled by 24Help.org. We use third-party services for:

• Email Communications: Mailchimp
• Payment Processing: Stripe ("Buy Dr. Ed a Coffee")
• Appointment Scheduling: Acuity Scheduling
• Medicare Plan Information: We are an affiliate of Chapter, a licensed insurance agency. If you seek Medicare plan information through our site, you may be connected with Chapter.

We are not responsible for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that 24Help.org shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

When you upload a video through our "Ask Dr. Ed Video" feature, you grant 24Help.org a non-exclusive, worldwide, royalty-free license to use, reproduce, and display the video content for the purpose of responding to your inquiry. You represent and warrant that you have all necessary rights to grant us this license and that your content does not violate any third-party rights or applicable laws. We reserve the right to remove any user content at our sole discretion.

You agree not to engage in any of the following prohibited activities:

• Copying, distributing, or disclosing any part of the Services in any medium.
• Using any automated system, including "robots," "spiders," "offline readers," etc., to access the Services.
• Transmitting spam, chain letters, or other unsolicited email.
• Attempting to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the Services.
• Taking any action that imposes, or may impose at our sole discretion, an unreasonable or disproportionately large load on our infrastructure.

The Services and their original content, features, and functionality are and will remain the exclusive property of 24Help.org and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of 24Help.org.

In no event shall 24Help.org, 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 access to or use of or inability to access or use the Services.

You agree to defend, indemnify and hold harmless 24Help.org and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.

These Terms shall be governed and construed in accordance with the laws of the State of Tennessee, United States, without regard to its conflict of law provisions.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

If you have any questions about these Terms, please contact us at ed@24help.org.