Terms of Service
Last updated: February 2026
Nexum Yield Service ("we," "us," or "our") is a registered DBA (Doing Business As) of Nexum Yield Services LLC, a limited liability company (LLC) and licensed insurance agency. These Terms of Service ("Terms") govern your access to and use of our website and services. By accessing our website, submitting your information, or communicating with us, you agree to these Terms.
Our Services
We provide insurance agency services, including helping consumers understand, compare, and enroll in Medicare and other insurance products through licensed insurance agents. Any information or guidance we provide is for informational purposes and is limited to the plans we offer in your area. We do not provide legal, tax, or financial advice.
Eligibility
You must be at least 18 years old and capable of forming a binding contract to use our services. By using our website, you represent that you meet these requirements and that the information you provide is accurate and your own.
No Guarantee of Coverage
Submitting an inquiry or booking a consultation does not guarantee eligibility for, or enrollment in, any insurance plan. Enrollment, benefits, and premiums are determined by the applicable insurance carrier and are subject to underwriting, plan availability, and government regulations.
Communications & SMS Consent
By providing your contact information and opting in, you consent to receive communications from Nexum Yield Service (a DBA of Nexum Yield Services LLC) by phone, email, and text message, which may include the use of an automated system or automatic telephone dialing system (ATDS) and prerecorded or artificial voice messages.
- Communications may include appointment scheduling, confirmations, reminders, plan documents, service follow-ups, and — where separately consented to — marketing and educational messages.
- Message frequency varies. Message and data rates may apply.
- You may opt out of text messages at any time by replying STOP, and get help by replying HELP.
- Consent to receive marketing communications is not a condition of purchasing any product or service, and applies even if your number is listed on a state or federal Do Not Call registry, to the extent permitted by law.
Mobile information and consent records (including phone numbers and SMS opt-in data) will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors and service providers in support of our Services (such as CRM, calendar, messaging, or compliance providers) is permitted only for the purpose of delivering those Services to you.
For details on how we handle your information, see our Privacy Policy and its SMS Policy section.
Acceptable Use
You agree not to use our website or services to violate any law, infringe the rights of others, transmit harmful or fraudulent content, or interfere with the operation or security of the site.
Intellectual Property
All content on this website — including text, graphics, logos, and design — is the property of Nexum Yield Services LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce or distribute it without our prior written permission.
Third-Party Links & Services
Our website may link to or integrate third-party tools and websites (such as scheduling or messaging providers). We are not responsible for the content, policies, or practices of those third parties.
Disclaimers
Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
Limitation of Liability
To the fullest extent permitted by law, Nexum Yield Services LLC and its representatives will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services.
Indemnification
You agree to indemnify and hold harmless Nexum Yield Services LLC, its members, and representatives from any claims, damages, or expenses arising out of your use of our website or your violation of these Terms.
Governing Law
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws principles. Any disputes will be subject to the exclusive jurisdiction of the courts located in New York.
Changes to These Terms
We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Your continued use of our website after any change constitutes acceptance of the updated Terms.
Contact Us
Nexum Yield Services LLC (dba Nexum Yield Service)
13856 231st Street, Laurelton, NY 11413
Phone: +1 856-460-1739
Email: [email protected]