Last updated: February 2026
Welcome to PlanBuddy LLC ("PlanBuddy," "we," "us," or "our"). These Terms of Service ("Terms") govern your use of our website at my-planbuddy.com, our services, and our text message (SMS) program. By using our website, submitting your information, or opting in to receive text messages from us, you agree to these Terms. Please read them carefully, along with our Privacy Policy.
1. About PlanBuddy
PlanBuddy LLC is a licensed, independent insurance agency helping consumers understand and compare Medicare options. David Powers is a licensed insurance agent (Florida License #P220008, NPN #15438134). PlanBuddy is not connected with or endorsed by the U.S. government or the federal Medicare program.
2. Our Services
PlanBuddy provides Medicare plan education, comparison tools, and enrollment assistance at no cost to you. We are compensated by the insurance carriers whose plans we offer. Using our website or tools does not create an insurance policy, and enrollment in any plan is subject to the carrier's approval and terms. We do not provide tax, legal, or financial advice.
3. SMS / Text Messaging Program
This section describes the terms of our text messaging program. By providing your mobile phone number and opting in, you agree to the terms below.
Program description and messaging use cases
When you provide your phone number and consent, PlanBuddy may send you text messages related to your request for Medicare information and assistance. These messages may include:
- Responses to your questions and requests for information
- Appointment scheduling, confirmations, and reminders
- Follow-up messages about your Medicare plan comparison or enrollment
- Links to your quiz results, plan information, or helpful resources
- Customer care and account-related messages
Message frequency varies based on your interaction with us. We do not send recurring marketing message campaigns; our texts are primarily conversational and tied to the help you requested.
How to opt out: You can cancel the SMS service at any time by replying STOP to any text message from us. After you send STOP, we will send you a one-time confirmation message and you will no longer receive text messages from us. If you need help, reply HELP or contact us using the information below.
Message and data rates may apply. Message and data rates may apply to any messages sent to you from us and to us from you, depending on your mobile carrier's plan. Message frequency varies.
Carrier liability disclaimer
Carriers (including but not limited to AT&T, T-Mobile, Verizon, and other wireless providers) are not liable for delayed or undelivered messages. Delivery of messages is subject to effective transmission by your wireless carrier and is not guaranteed.
Supported carriers
Our SMS program is supported by major U.S. wireless carriers. Carriers are not responsible for the content of messages or for any messages that are delayed or not delivered.
Your consent
Consent to receive text messages is not a condition of purchasing any goods or services. You represent that you are the account holder for the mobile number provided, or that you have the account holder's permission to enroll that number. Your mobile information will never be shared or sold to third parties for marketing purposes. See our Privacy Policy for full details.
4. Age Restriction
You must be at least 18 years of age to use our website, submit your information, or opt in to our SMS program. Our services are intended for adults who are eligible for or researching Medicare, and are not directed to anyone under 18.
5. Support Contact Information
6. Acceptable Use
You agree to use our website and services only for lawful purposes and not to misuse, disrupt, or attempt to gain unauthorized access to our systems. You agree to provide accurate information when submitting forms or requests.
7. Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of PlanBuddy LLC or its licensors and is protected by applicable law. You may not reproduce or distribute our content without permission.
8. Disclaimers and Limitation of Liability
Our website and services are provided "as is" without warranties of any kind. To the fullest extent permitted by law, PlanBuddy LLC is not liable for any indirect, incidental, or consequential damages arising from your use of our website, services, or SMS program. Information on our website is for general educational purposes and should not be relied upon as the sole basis for a Medicare decision.
9. Changes to These Terms
We may update these Terms from time to time. The "Last updated" date at the top reflects the most recent changes. Your continued use of our website or SMS program after changes are posted constitutes acceptance of the updated Terms.
10. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles.
11. Privacy
Your use of our website and services is also governed by our Privacy Policy, which explains what information we collect, how we use it, and your rights regarding your information.