Terms of Service
Last updated: January 2026
Answer at 64 ("we," "us," or "our") is a registered DBA (Doing Business As) of Hines Agency Inc, a corporation and licensed insurance agency. By accessing our website, submitting a form, or communicating with us, you agree to these Terms of Service. Please read them carefully.
1. Nature of Our Services
Answer at 64 provides Medicare insurance education and assistance and helps eligible individuals review and enroll in Medicare‑related insurance plans we offer in their area. Any information provided is a solicitation for insurance. A licensed insurance agent may contact you. We are not a government agency and are not connected or affiliated with any United States Government or State agency, or with the federal Medicare program.
Medicare Notice: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1‑800‑MEDICARE (1‑800‑633‑4227) to get information on all of your options.
2. No Guarantee of Coverage
Submitting a form or speaking with an agent does not constitute an application for or guarantee of insurance coverage. Eligibility, plan availability, benefits, and premiums are determined by the applicable insurance carriers and governing regulations, and are subject to change.
3. Communications Consent
By providing your contact information, you agree that Answer at 64 and its authorized representatives may contact you by phone, text message, and email regarding your inquiry and, where you have consented, for marketing purposes. Contact may be made using automated technology, including auto‑dialers, pre‑recorded messages, and text messages. Consent is not a condition of purchasing any product or service.
4. SMS / Text Messaging Program & Terms
Our SMS program sends account, service, and marketing messages to individuals who opt in. Messaging use cases include plan options, quotes, enrollment‑period reminders, plan reviews, appointment scheduling, confirmations, reminders, and customer‑service follow‑ups. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying (texting) STOP to cancel, or reply HELP for assistance. Carriers are not liable for delayed or undelivered messages. For details on how we handle your mobile information, see our Privacy Policy.
No Sharing of Mobile Information. 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.
5. Eligibility
You must be at least 18 years of age and the subscriber or customary user of any phone number you provide. By using our Services, you represent that the information you provide is accurate and belongs to you.
6. Intellectual Property
All content on this website, including text, graphics, logos, and branding, is the property of Hines Agency Inc or its licensors and may not be reproduced or used without permission.
7. Disclaimers & Limitation of Liability
Our website and its content are provided "as is" without warranties of any kind. To the fullest extent permitted by law, Hines Agency Inc and Answer at 64 are not liable for any indirect, incidental, or consequential damages arising from your use of our Services or reliance on any information provided.
8. Third‑Party Links
Our website may link to third‑party sites. We are not responsible for the content, policies, or practices of those sites.
9. Changes to These Terms
We may update these Terms from time to time. Changes take effect when posted on this page, with the "Last updated" date revised accordingly. Continued use of our Services constitutes acceptance of the updated Terms.
10. Governing Law
These Terms are governed by the laws of the State in which Hines Agency Inc is organized and operates, without regard to conflict‑of‑law principles.
11. Contact Us
Hines Agency Inc, doing business as Answer at 64
12252 Southwest Willowy Way, Port Saint Lucie, FL 84660
Phone: +1 817‑992‑5703
Email: [email protected]