Effective Date: January 1st, 2026

1. Acceptance of Terms

By accessing or using weknowmedicare.com, you agree to these Terms and Conditions.

If you do not agree, please discontinue use of the Website.

---

2. Business Purpose

This Website is intended for licensed insurance agents and agency partners seeking information about contracting with WKM.

Nothing on this Website constitutes a guarantee of appointment, production level, compensation, or carrier approval.

---

3. Independent Contractor Status

Agents contracted with WKM operate as independent contractors and are not employees of WKM unless otherwise specified in a separate written agreement.

---

4. Carrier Representation

WKM contracts with multiple insurance carriers to market and sell insurance products. Carrier availability, compensation structures, and appointment requirements vary by state and product line.

---

5. Communications

By submitting your contact information, you consent to be contacted by WKM via:

• Phone

• Email

• SMS/text message

You may opt out of SMS at any time by replying STOP or get help by replying HELP. Messaging frequency may vary.

---

6. Intellectual Property

All content, branding, trademarks, graphics, and materials on this Website are the property of WKM, Inc. and may not be reproduced without written permission.

---

7. Limitation of Liability

WKM shall not be liable for any indirect, incidental, or consequential damages arising from use of this Website.

---

8. Governing Law

These Terms shall be governed by the laws of the State of Washington.