Terms & Conditions

1. Your Acceptance

Welcome to the Terms of Use for the MPF CREATIVE LLC. website, https://financialsavingguide.org/. This is an agreement (“Agreement”) between MPF CREATIVE LLC. (“MPF CREATIVE LLC”), the owner and operator of the MPF CREATIVE LLC website (the “Site”) and you (“you”, “your” or “user(s)”), a user of the Site.

Throughout this Agreement, the words “MPF CREATIVE LLC,” “us,” “we,” and “our,” refer to our company, MPF CREATIVE LLC, as is appropriate in the context of the use of the words.

This Agreement represents your assent to the terms hereunder and including your agreement that MPF CREATIVE LLC may call and text you regarding its services and monitor and record any telephone calls made or received by MPF CREATIVE LLC for the business purposes of MPF CREATIVE LLC or any of its subsidiaries, employees, contractors, agents, business partners, their Affiliates as defined herein (including those listed here), or any other third parties permitted to receive your information under this Agreement (“Affiliates”).

By clicking “I agree” or accessing the Site you agree to be bound by this Agreement, the Privacy Policy, and the Cookie Policy. We may amend this Agreement at any time and may notify you if we do so. Please be aware that there are ARBITRATION AND CLASS ACTION PROVISIONS contained in this Agreement.

2. Information Submission

Portions of the Site may allow you to submit information to us. You must fully complete the information submission process by providing us with your current, complete, truthful, and accurate information as prompted by the applicable form.

3. Content Disclaimer

MPF CREATIVE LLC is an online marketing company that participates in a network of service providers that may sell you certain Medicare or health insurance products and services for personal and/or business use. MPF CREATIVE LLC may directly sell you products or services, and we may provide customer service for services or sold products directly offered by MPF CREATIVE LLC. If you agree to utilize the services or products offered, you are entering into a contractual relationship with either a third-party provider that is a part of our network or MPF CREATIVE LLC directly. MPF CREATIVE LLC does not make any representations or warranties with respect to any product or service sold on this Site or otherwise.

You understand that a third-party provider is acting as an Affiliate of MPF CREATIVE LLC. An Affiliate may have its own terms and conditions and may contact you directly to market its own products and services. MPF CREATIVE LLC is not the same company or entity as these Affiliates; MPF CREATIVE LLC may collect your personal information such as a telephone number, authorized by your use of this Website or otherwise, give your personal information to an Affiliate, such as your phone number as authorized by you by contacting MPF CREATIVE LLC through the use of the Website or otherwise. You understand that if you are sold a product or service by an Affiliate, MPF CREATIVE LLC does not offer customer support for products or services sold by an Affiliate, and any contractual relationship you form for such products or services will be formed between you and the Affiliate.

You agree to the use of this Site at your own risk. Likewise, you agree that supplies and products purchased through this Site or otherwise can cause harm; thus, you assume the risk associated with that harm and grant MPF CREATIVE LLC a full liability release with respect to your usage of this Site, the products purchased on this Site, and the use of such products by you. MPF CREATIVE LLC disclaims all implied warranties, including and not limited to implied warranties of merchantability and fitness for a particular reason. You agree that the MPF CREATIVE LLC Content (defined in Section 4 herein) may be inaccurate, unsubstantiated, cause irreparable harm to your devices used for accessing this Site, or possibly even incorrect. You agree to release us from any liability that we may incur for making available any MPF CREATIVE LLC Content. You further release us from any claims of damages that could arise from the use of the Site, including, but not limited to, indirect, direct incidental, punitive, and consequential damages

4. Communications and TCPA

By calling one of the Site’s phone numbers or by providing us with a telephone or other contact information, you assent and agree to allow MPF CREATIVE LLC and its Affiliates to contact you via telephone, whether by ‘live-calls,’ auto-dialers, pre-recorded messages, or SMS text messaging.

If you wish to opt-out of receiving phone calls, pre-recorded messages, SMS messaging or other communication efforts by MPF CREATIVE LLC, you must inform us at [email protected] or by using the “STOP” feature (or similar feature) available to you via SMS.

You further understand and agree that while we process your opt-out request that you may (1) continue to receive communications prior to the opt-out request processing; (2) receive a communication confirming receipt of your opt-out request; and (3) continue to receive non-marketing communications by email or to a non-wireless number, providing confirmations or updates related to your account, policy, or transactions provided by MPF CREATIVE LLC’s or its Affiliate’s services.

5. Ownership

The Site and any related services provided by the Site are owned and operated by MPF CREATIVE LLC including all text, data, graphics, photographs, images, audio, video, trademarks, service marks, trade names and other information, visual or other digital material, software (including source and object codes) and all other content or any description available on the Site or available via a link from Site to a page created by MPF CREATIVE LLC on another website (collectively, the "MPF CREATIVE LLC Content"). The MPF CREATIVE LLC Content is the sole property of MPF CREATIVE LLC and/or its licensors. All MPF CREATIVE LLC Content is protected by US and international copyright, trademark, service-marks, patents, trade secrets, and other proprietary rights and laws. Use of the MPF CREATIVE LLC Content for any purpose not expressly permitted in this Agreement or otherwise consented to by MPF CREATIVE LLC is prohibited. You may not otherwise copy, reproduce, perform, distribute, display or create derivative works of the MPF CREATIVE LLC Content.

6. Privacy

Please read MPF CREATIVE LLC’s Privacy Policy for more information regarding our collection and use of your information. The MPF CREATIVE LLC Privacy Policy is integrated into this Agreement, by reference and you must agree to all provisions of our Privacy Policy before using our Site. You may not be required to create a user account when you use our Site; however, we may collect information from you when you submit an inquiry or comment through the Site.

7. Site Availability and Modification

Although we attempt to provide continuous Site availability to you, we do not guarantee that the Site will always be available, work, or be accessible at any particular time. We reserve the right to alter, modify, update, or remove our Site at any time. We may conduct such modifications to our Site for security reasons, intellectual property, legal reasons, or various other reasons at our discretion; however, nothing in this section obligates us to take measures to update the Site for security, legal, or other reasons.

8. Third-Party Links

The Site may contain links to third-party websites that are not owned or controlled by MPF CREATIVE LLC. MPF CREATIVE LLC has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. In addition, MPF CREATIVE LLC will not and cannot censor or edit the content of any third-party site. By using the Site, you expressly relieve MPF CREATIVE LLC from any and all liability arising from your use of any third-party website.

9. Your Conduct While Using The Site

When accessing or using our Site, you are solely responsible for your actions, and you agree to abide by the following rules of conduct:

You will not copy, distribute, or disclose any part of the Site in any medium, including without limitation by any automated or non-automated “scraping;”
You will not attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the Site;
You will not use any robot, spider, crawler, scraper, or other automated means or interface not provided by us to access the Site or to extract or export data collected through the Site;
You will not take any action that imposes, or may impose at our sole discretion, an unreasonable or disproportionately large load on our infrastructure;
You agree not to use the Site to stalk, harass, bully, or harm another individual;
You agree that you will not hold MPF CREATIVE LLC responsible for your use of the Site;
You agree not to violate any requirements, procedures, policies, or regulations of networks connected to MPF CREATIVE LLC;
You agree not to interfere with or disrupt the Site;
You agree to not violate any US federal laws, state laws, or local laws while using the Site; and
You agree not to use the Site in any way that is: misleading, unlawful, defamatory, obscene, invasive, threatening, or harassing. If you are discovered to be undertaking any of the aforementioned actions your privileges to use our Site may at our discretion be terminated or suspended. Generally, we will provide an explanation for any suspension or termination of your use of any of our Site, but MPF CREATIVE LLC reserves the right to suspend or terminate your access at any time without notice or explanation.

10. User Content

A user’s ability to submit or transmit any information through the Site, including but not limited to text, information, photos, images, or any other information will be referred to as “User Content” throughout this Agreement. All User Content you submit to the Site is owned by you. When you submit any User Content to us, you grant MPF CREATIVE LLC its partners, affiliates, users, and representatives and assigns a non-exclusive, limited, fully-paid, royalty-free, irrevocable, world-wide, universal, transferable, assignable license to display, distribute, store, broadcast, transmit, reproduce, modify, prepare derivative works, or use and reuse, all or any part of your User Content. Please be aware that we are not required to host, display, migrate, or distribute any of your User Content and we may refuse to accept or transmit any User Content. You agree that you are solely responsible for any User Content submitted and you release us from any liability associated with any User Content submitted. You understand that we cannot guarantee the absolute safety and security of any such User Content. Any User Content found to be in violation of this Agreement or that we determine to be harmful to the Site may be modified, edited, or removed at our discretion. MPF CREATIVE LLC does not endorse and may not verify, monitor, or restrict any of its users or any User Content submitted. You agree that any User Content or any other information may be inaccurate, unsubstantiated, or possibly even incorrect.

11. Limitation of Liability; Representations and Warranties

USE OF THIS SITE INCLUDING ANY MPF CREATIVE LLC CONTENT, IS AT YOUR EXCLUSIVE RISK, AND THE RISK OF INJURY FROM THE FOREGOING RESTS EXCLUSIVELY WITH YOU. THE SITE INCLUDING ANY MPF CREATIVE LLC CONTENT ARE PROVIDED "AS IS", “AS AVAILABLE, “WITH ALL FAULTS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. SPECIFICALLY, MPF CREATIVE LLC DOES NOT MAKE ANY WARRANTY AS TO THE RELIABILITY, ACCURACY, TIMELINESS, USEFULNESS, ADEQUACY, OR SUITABILITY OF ANY MPF CREATIVE LLC CONTENT. MPF CREATIVE LLC DOES NOT WARRANT THAT THE SITE AND ANY MPF CREATIVE LLC CONTENT WILL BE: (1) UNINTERRUPTED OR ERROR FREE; (2) FREE FROM DEFECTS OR ERRORS; OR (3) FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE EXTENT PERMITTED BY APPLICABLE LAW, WE (INCLUDING OUR OFFICERS, DIRECTORS, AGENTS, AFFILIATES AND EMPLOYEES) ARE NOT LIABLE, AND YOU AGREE NOT TO HOLD US RESPONSIBLE, FOR ANY DAMAGES OR LOSSES (INCLUDING, BUT NOT LIMITED TO, LOSS OF MONEY, GOODWILL OR REPUTATION, OR OTHER INTANGIBLE LOSSES OR ANY SPECIAL, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES) RESULTING DIRECTLY OR INDIRECTLY FROM YOUR USE OF THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT MPF CREATIVE LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF WARRANTIES OR EXCLUSION OF DAMAGES, SO SUCH DISCLAIMERS AND EXCLUSIONS MAY NOT APPLY TO YOU. IN THE EVENT THAT YOUR JURISDICTION DOES NOT ALLOW US TO EXCLUDE ALL LIABILITY, YOU AGREE THAT OUR TOTAL LIABLITY TO YOU WILL NOT EXCEED $100 USD. THIS LIMITATION OF LIABILITY DOES NOT APPLY TO NEW JERSEY USERS, OUR LIABILITY TO NEW JERSEY USERS IS THE MINIMUM AMOUNT REQUIRED UNDER NEW JERSEY STATE LAW. SPECIFICALLY, IN THOSE JURISDICTIONS NOT ALLOWED, WE DO NOT DISCLAIM LIABILITY FOR: (A) DEATH OR PERSONAL INJURY CAUSED BY MPF CREATIVE LLC’S NEGLIGENCE OR THAT OF ANY OF ITS OFFICERS, EMPLOYEES, OR AGENTS; (B) FRAUDULENT MISREPRESENTATION; OR (C) ANY LIABILITY WHICH IT IS NOT LAWFUL TO EXCLUDE EITHER NOW OR IN THE FUTURE. WE DO NOT OFFER OR PROVIDE TAX, LEGAL, OR INVESTMENT ADVICE AND YOU ARE RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS BEFORE ACTING ON ANY INFORMATION PROVIDED BY US. THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND MPF CREATIVE LLC MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS, OR APPROPRIATENESS FOR ANY PURPOSE. WE ARE NOT AFFILIATED WITH ANY GOVERNMENTAL AUTHORITY, WHETHER FEDERAL, STATE, OR LOCAL, NOR DO WE SELL SERVICES OR PRODUCTS TO CONSUMERS. ALL SERVICES OR PRODUCTS MUST BE PURCHASED THROUGH OUR THIRD-PARTY NETWORK MEMBERS.

12. Release

IF YOU ARE A RESIDENT OF A JURISDICTION THAT REQUIRES A SPECIFIC STATEMENT REGARDING RELEASE THEN THE FOLLOWING APPLIES. FOR EXAMPLE, CALIFORNIA RESIDENTS MUST, AS A CONDITION OF THIS AGREEMENT, WAIVE THE APPLICABILITY OF CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES, “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR." YOU HEREBY WAIVE THIS SECTION OF THE CALIFORNIA CIVIL CODE. YOU HEREBY WAIVE ANY SIMILAR PROVISION IN LAW, REGULATION, OR CODE THAT HAS THE SAME INTENT OR EFFECT AS THE AFOREMENTIONED RELEASE. YOU RELEASE US FROM ANY LIABILITY RELATING TO OUR SITE OR MPF CREATIVE LLC CONTENT, AND YOU RELEASE US, OUR DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AND AGENTS FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM YOU HAVE AGAINST US. THIS RELEASE DOES NOT APPLY TO NEW JERSEY USERS.

13. Indemnity

You agree to defend, indemnify and hold harmless MPF CREATIVE LLC, its officers, directors, employees, affiliates, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

your use of any MPF CREATIVE LLC Content;
your violation of any term of this Agreement; and
your use of the MPF CREATIVE LLC Site.

This defense and indemnification obligation will survive this Agreement. You also agree that you have a duty to defend us against such claims and we may require you to pay for an attorney(s) of our choice in such cases. You agree that this indemnity extends to requiring you to pay for our reasonable attorneys’ fees, court costs, and disbursements. In the event of a claim such as one described in this paragraph, we may elect to settle with the party/parties making the claim and you shall be liable for the damages as though we had proceeded with a trial.

14. Copyrights

We take copyright infringement very seriously, if you live within the US or own any copyrighted material within the US and believe that your copyright has been infringed, please send us a message which contains:

Your name.
The name of the party whose copyright has been infringed, if different from your name.
The name and description of the work that is being infringed.
The location on our website of the infringing copy.
A statement that you have a good faith belief that use of the copyrighted work described above is not authorized by the copyright owner (or by a third-party who is legally entitled to do so on behalf of the copyright owner) and is not otherwise permitted by law.
A statement that you swear, under penalty of perjury, that the information contained in this notification is accurate and that you are the copyright owner or have an exclusive right in law to bring infringement proceedings with respect to its use. You must sign this notification and send it to our Copyright Agent: Copyright Agent of MPF CREATIVE LLC, [email protected].

15. Choice of Law

This Agreement shall be governed by the laws in force in the State of California. The offer and acceptance of this contract is deemed to have occurred in the State of California.

16. Forum

By using this Site, you agree that: (1) any claim, dispute, or controversy you may have against us, MPF CREATIVE LLC or the Site arising out of, relating to, or connected in any way with this Agreement or any products purchased shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (“AAA”) and conducted before a single arbitrator pursuant to the applicable Consumer Rules and Procedures established by AAA (“Rules and Procedures”); (2) the claim or dispute must be brought within one (1) year of the first date of the event giving rise to such action (does not apply to New Jersey users) and the arbitration shall be held in Los Angeles, CA or at such other location as may be mutually agreed upon by you and MPF CREATIVE LLC; (3) the arbitrator shall apply Utah law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized at law; (4) there shall be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your and/or MPF CREATIVE LLC’s individual claims; and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated (this does not apply to New Jersey users); (5) both parties will bear their own costs of representation and filing for the dispute; (6) where possible and allowed for under the AAA Rules and Procedures both parties shall be entitled to appear electronically or telephonically for all proceedings; and (7) with the exception of subpart (4) above, if any part of this arbitration provision is deemed to be invalid, unenforceable or illegal, or otherwise conflicts with the Rules and Procedures established by AAA, then the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting provision were not contained herein. If, however, subpart (4) is found to be invalid, unenforceable or illegal, then the entirety of this Arbitration Provision shall be null and void, and neither you nor MPF CREATIVE LLC shall be entitled to arbitrate their dispute. For more information on AAA and its Rules and Procedures, users may visit the AAA website at http://www.adr.org. In the event that any portion of this arbitration provision is found to be unenforceable or void, both parties agree to settle any disputes arising out of this Agreement in a court of competent jurisdiction located in Los Angeles, CA.

17. Class Action Waiver

You and MPF CREATIVE LLC agree that any proceedings to resolve or litigate any dispute whether through a court of law or arbitration shall be solely conducted on an individual basis. You agree that you will not seek to have any dispute heard as a class action, representative action, collective action, or private attorney general action.

18. Severability

In the event that a provision of this Agreement is found to be unlawful, conflicting with another provision of the Agreement, or otherwise unenforceable, the Agreement will remain in force as though it had been entered into without that unenforceable provision being included in it. If two or more provisions of this Agreement or any other agreement you may have with MPF CREATIVE LLC are deemed to conflict with each other’s operation, you agree that MPF CREATIVE LLC shall have the sole right to elect which provision remains in force.

19. Non-Waiver

We reserve all rights permitted to us under this Agreement as well as under the provisions of any applicable law. Our non-enforcement of any particular provision or provisions of this Agreement or any applicable law should not be construed as our waiver of the right to enforce that same provision under the same or different circumstances at any time in the future.

20. Survival

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. You agree that we are not required to provide you with access to our Site and may terminate our Site or your access to the Site at any time and for any reason.

21. Age

All users who access the Site must be 18 years of age or older.

22. Order Acceptance Policy

Your receipt of an electronic or other form of order confirmation does not signify our acceptance of your order, nor does it constitute confirmation of our offer to sell. MPF CREATIVE LLC reserves the right at any time after receipt of your order to accept or decline your order for any reason or to supply less than the quantity you ordered of any item.

23. Assignment

You may not assign your rights and/or obligations under this Agreement to any other party without our prior written consent. We may assign our rights and/or obligations under this Agreement to any other party at our discretion.

24. Amendments

We may amend this Agreement from time to time. When we amend this Agreement, we will update this page and indicate the date that it was last modified or we may email you. You may refuse to agree to the amendments, but if you do, you must immediately cease using our Site.

25. Electronic Communications

The communications between you and MPF CREATIVE LLC use electronic means, whether you visit the Site or send MPF CREATIVE LLC e-mails, or whether MPF CREATIVE LLC posts notices on the Site or communicates with you via e-mail. For contractual purposes, you (1) consent to receive communications from MPF CREATIVE LLC in an electronic form; and (2) agree that all terms, conditions, agreements, notices, disclosures, and other communications that MPF CREATIVE LLC provides to you electronically satisfy any legal requirement that such communications would satisfy if it were to be in writing. The foregoing does not affect your statutory rights.

26. TCPA

The Telephone Consumer Protection Act of 1991 (“TCPA”) protects consumers from unwanted telemarketing calls, preordered or autodialed calls, fax transmissions and text messages. By visiting this website, contacting either MPF CREATIVE LLC, and/or using MPF CREATIVE LLC’s services or products, you agree to allow MPF CREATIVE LLC and its Affiliates to contact you via telephone, whether by ‘live-calls,’ auto-dialers, or pre-recorded messages and SMS text messaging. If you wish to opt-out of receiving phone calls, pre-recorded messages, SMS messaging or other communication efforts by MPF CREATIVE LLC, you must inform us at [email protected] or by using the “STOP” feature (or similar feature) available to you via SMS.

27. California Users

Pursuant to California Civil Code Section 1789.3, any questions about pricing, complaints, or inquiries about c must be sent to our agent for notice to: [email protected].

Lastly, California users are also entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

28. Digital Millennium Copyright Act of 1998.

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you believe in good faith that materials hosted by MPF CREATIVE LLC infringe your copyright, you, or your agent may send to MPF CREATIVE LLC a notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon MPF CREATIVE LLC actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send to MPF CREATIVE LLC a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. MPF CREATIVE LLC Copyright Agent for notice of claims of copyright infringement or counter notices can be reached as follows: [email protected].