Terms of Service
Effective date: July 16, 2026
These Terms of Service ("Terms") are a legal agreement between you and MD4E LLC, doing business as MediNav ("MediNav," "we," "us," or "our") governing your use of medinav.net and related services (the "Service"). By using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. What MediNav is — and is not
MediNav is a private, neutral tool that estimates the Medicare-related benefits and savings programs you may qualify for and explains how to apply. MediNav is not the government, Medicare, the Social Security Administration, CMS, or any state agency, and is not endorsed by them. MediNav is not an insurance agent, broker, or a third-party marketing organization, takes no commissions, and does not sell or enroll you in insurance plans. MediNav does not provide legal, financial, tax, or medical advice.
2. Estimates, not determinations
All eligibility results, dollar figures, and benefit details on the Service are directional estimates based on published program rules and the information you provide. They are not guarantees of eligibility, benefit amounts, or savings. Only the relevant government agency or plan can determine your actual eligibility and benefits. Always verify with the Social Security Administration, your state Medicaid office, your plan, or a free SHIP counselor before relying on any result. Program rules change and vary by state.
3. Eligibility to use
You must be at least 18 years old and able to form a binding contract to use the Service. You may use MediNav for yourself or to help another person; if you act on someone else's behalf, you represent that you are authorized to provide their information and to receive communications about them.
4. Your account
We use passwordless "magic link" sign-in. You are responsible for maintaining access to the email account you register and for activity under your account. Provide accurate information and keep it current. Notify us promptly of any unauthorized use.
5. Communications and messaging consent
By creating an account you agree to receive service and reminder emails; you can unsubscribe using the link in any email. If you separately opt in to text messages (SMS), you agree to receive automated reminder texts at the number you provide. Consent to texts is not a condition of using the Service. Message frequency varies; message and data rates may apply. Reply STOP to cancel or HELP for help. We handle opt-outs in accordance with applicable law (including the TCPA) and carrier requirements.
6. Subscriptions, billing, and cancellation
Paid plans (for example, Watch and Watch+) are billed on a recurring basis through our payment processor, Stripe. By subscribing, you authorize recurring charges until you cancel. You may cancel at any time through the billing portal or by contacting us; cancellation stops future charges and takes effect at the end of the current billing period. Except where required by law, payments are non-refundable. We may change prices or plan features with prior notice; continued use after a change means you accept it.
7. AI-assisted features
If you use the plan-document reader or other AI-assisted features, you understand that automated extraction and summaries may be incomplete or incorrect. They are provided to help you and are not a substitute for the official plan documents or professional advice. Always confirm details against your actual plan before acting on them.
8. Medicare connection (if offered)
If we offer, and you choose to use, a secure Medicare connection (CMS Blue Button 2.0), you authorize us to retrieve the Medicare data you approve at Medicare.gov. You can disconnect at any time. We access such data only to provide the Service to you.
9. Acceptable use
You agree not to misuse the Service, including by: providing false information; accessing others' data without authorization; interfering with or disrupting the Service; scraping or harvesting data; reverse-engineering the Service except as permitted by law; or using the Service for any unlawful purpose.
10. Intellectual property
The Service, including its content, software, and branding, is owned by MediNav or its licensors and is protected by law. We grant you a limited, personal, non-exclusive, non-transferable license to use the Service for its intended purpose. You may not copy, modify, distribute, or create derivative works except as expressly permitted.
11. Third-party services and links
The Service relies on and may link to third-party services (such as Medicare.gov, Social Security, and our vendors). We are not responsible for third-party content, services, or practices; your use of them is governed by their terms.
12. Disclaimer of warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT RESULTS OR CONTENT ARE ACCURATE, COMPLETE, OR CURRENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MEDINAV AND ITS OWNERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF BENEFITS, SAVINGS, OR DATA, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR US $100. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.
14. Indemnification
You agree to indemnify and hold harmless MediNav from claims, losses, and expenses (including reasonable legal fees) arising from your misuse of the Service or violation of these Terms or applicable law.
15. Governing law, arbitration, and class-action waiver
These Terms are governed by the laws of the District of Columbia, without regard to its conflict-of-laws rules.
Please read this section carefully. It affects how disputes are resolved and limits your rights, including your right to go to court and to bring a class action.
Informal resolution first. Before starting an arbitration, you agree to first contact us at support@medinav.net with a description of your claim, and to give us 60 days to try to resolve it informally. Many disputes can be resolved this way.
Binding arbitration. If we cannot resolve a dispute informally, you and MediNav agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration, rather than in court — except that either party may bring an individual claim in small-claims court. The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. The arbitration will take place in the District of Columbia, or by telephone or video, or based on written submissions, at your election where the AAA rules permit. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.
Class-action and jury-trial waiver. You and MediNav agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of a representative or class proceeding. You and MediNav each waive any right to a trial by jury.
30-day right to opt out. You may opt out of this arbitration agreement (Section 15) within 30 days of first accepting these Terms by emailing support@medinav.net with your name and a clear statement that you opt out of arbitration. If you opt out, neither you nor MediNav can require the other to arbitrate; the "Governing law" and court provisions still apply.
Severability. If the class-action/representative waiver above is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and may proceed in court, while the remaining claims proceed in arbitration. If any other portion of this Section 15 is found unenforceable, the remainder will remain in effect.
16. Changes to these Terms
We may update these Terms from time to time. We will post the updated version with a new effective date and, where appropriate, notify you. Continued use after changes means you accept them.
17. Termination
You may stop using the Service at any time. We may suspend or terminate access if you violate these Terms or as needed to protect the Service. Sections that by their nature should survive termination will survive.
18. Contact us
MD4E LLC (d/b/a MediNav) 1753 Lanier Place NW, Washington, DC 20009 support@medinav.net