Terms & Conditions
Last updated: August 4, 2026
These Terms and Conditions (“Terms”) govern your access to and use of usedoug.com (the “Site”), operated by Mark Stewart Kenney (“we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.
1. What this Site is and is not
The Site provides general consumer information about health insurance and, at your request, refers you to licensed insurance agents or agencies. We are not an insurance company, insurance agency, broker of record, or government agency. We do not underwrite, issue, bind, sell, or administer insurance, and we do not provide quotes, rates, or coverage determinations. Nothing on the Site constitutes an offer to sell or a solicitation to buy insurance in any jurisdiction where such an offer or solicitation would be unlawful.
2. No professional advice
Content on the Site is general information only. It is not insurance, legal, tax, financial, or medical advice, and it is not a substitute for advice from a licensed insurance agent, attorney, tax professional, or healthcare provider. Do not rely on the Site to make a coverage decision without confirming details in the official plan documents and with a licensed agent or the carrier.
3. Accuracy and plan availability
Plan availability, premiums, benefits, cost sharing, provider networks, formularies, and eligibility rules vary by carrier, plan, plan year, and geographic area, and change frequently. We do not offer every plan available in your area, and any information presented is limited to the plans and carriers available through the agents we work with. Information on the Site may be incomplete, out of date, or inaccurate, and is provided without warranty.
4. Government affiliation disclaimer
The Site is not affiliated with, endorsed by, or sponsored by the United States government, the federal Medicare program, the Centers for Medicare & Medicaid Services, the Social Security Administration, HealthCare.gov, or any state or federal health insurance exchange. For official information, contact 1-800-MEDICARE (TTY 1-877-486-2048), visit Medicare.gov or HealthCare.gov, or contact your State Health Insurance Assistance Program.
5. Your submissions and consent to contact
You represent that you are at least 18 years old, that all information you submit is accurate and belongs to you, and that you are the subscriber or customary user of any telephone number you provide. When you check the consent box and submit a form, you provide express written consent for us and one or more licensed insurance agents or agencies to contact you at the number and email address provided, including by automatic telephone dialing system, prerecorded or artificial voice, and SMS text message, about health insurance products and services. Consent is not a condition of purchase. Message and data rates may apply. You may revoke consent at any time by replying STOP to a text, asking a caller to place you on their do-not-call list, or emailing hello@usedoug.com.
6. Acceptable use
You agree not to use the Site to submit false, misleading, or third-party information without authorization; to transmit malware or attempt to gain unauthorized access; to scrape, harvest, or use automated means to collect data from the Site; to interfere with the operation or security of the Site; or to use the Site for any unlawful purpose or in violation of any applicable law, including telemarketing, insurance, and privacy laws.
7. Intellectual property
All content on the Site, including text, layout, graphics, and code, is owned by or licensed to us and is protected by intellectual property law. You may view and print content for personal, non-commercial use. Any other reproduction, distribution, modification, or commercial use is prohibited without our prior written permission.
8. Third-party links and referrals
The Site links to and refers users to third parties, including licensed agents, agencies, carriers, and government resources. We do not control and are not responsible for the acts, omissions, content, products, services, pricing, or privacy practices of any third party. Any transaction or relationship you enter into with a third party is solely between you and that party.
9. Disclaimer of warranties
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR FREE, OR THAT CONTENT IS ACCURATE, COMPLETE, OR CURRENT.
10. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR COVERAGE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR ANY REFERRAL MADE THROUGH IT, WHETHER BASED IN CONTRACT, TORT, STATUTE, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THESE MAY NOT APPLY TO YOU.
11. Indemnification
You agree to indemnify, defend, and hold harmless Mark Stewart Kenney and our affiliates, officers, agents, and employees from any claim, demand, loss, liability, or expense, including reasonable attorneys’ fees, arising from your use of the Site, your submissions, or your violation of these Terms or applicable law.
12. Governing law and disputes
These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict of law principles. Any dispute arising out of or relating to the Site or these Terms will be brought exclusively in the state or federal courts located in Massachusetts, and you consent to personal jurisdiction and venue there. Nothing in this section limits any non-waivable right you have under the law of your state of residence.
13. Changes and termination
We may modify these Terms at any time. Changes take effect when posted, and your continued use of the Site constitutes acceptance. We may modify, suspend, or discontinue the Site or restrict access at any time without notice.
14. Severability and entire agreement
If any provision of these Terms is held unenforceable, that provision will be limited or severed and the remaining provisions will remain in full force. These Terms, together with the Privacy Policy and Disclosures, constitute the entire agreement between you and us regarding the Site.
15. Contact
Use Doug (usedoug.com)
Operated by Mark Stewart Kenney
Email: hello@usedoug.com