Terms of Service

1. About Our Services

Seniors Come First™ is owned and operated by Shannon Mengel, a licensed insurance agent and Registered Social Security Analyst (RSSA®) based in Henderson, Nevada. Our services include:

• Healthcare Planning Guidance — Helping individuals understand and select government-sponsored and private health coverage options available to seniors
• Social Security & Retirement Strategy — Education and analysis to help you maximize your Social Security claiming strategy and retirement income
• EFT / Emotional Freedom Technique Coaching — Wellness coaching using evidence-informed tapping practices to reduce stress and support major life transitions
• Essential Oils & Wellness Advocacy — Education and product access related to doTERRA essential oils and holistic wellness
• Educational Content — Video content, articles, and resources related to retirement planning and holistic wellness

Shannon Mengel is licensed to sell insurance products in Nevada. Availability of specific products and services may vary. Nothing on this website constitutes a binding offer of insurance, financial planning, or legal services.

2. SMS / Text Messaging Program

Seniors Come First™ operates an SMS text messaging program to communicate with clients and prospective clients who have opted in to receive messages. The following terms govern your participation in this program.

By opting in to SMS communications, you confirm that you are the account holder or have the account holder’s permission to use the mobile number provided, and that you are 18 years of age or older.

3. Use of This Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use the site to transmit unsolicited communications or spam
• Attempt to gain unauthorized access to any part of the site or its systems
• Use automated tools to scrape, crawl, or harvest data from the site
• Engage in any conduct that disrupts or interferes with the site’s functionality
• Misrepresent your identity or affiliation when contacting us

4. Informational Purposes Only — Not Legal or Financial Advice

The content on this website is provided for informational and educational purposes only. Nothing on this site constitutes legal advice, tax advice, financial planning advice, or medical advice.

Always consult with appropriate licensed professionals (attorneys, CPAs, financial advisors, physicians) for matters specific to your legal, tax, financial, or medical situation.

5. Intellectual Property

All content on this website — including text, graphics, logos, images, audio/video content, and the overall design — is the property of Seniors Come First™ or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.

The name Seniors Come First™ and its associated logo are trademarks of Shannon Mengel. You may not reproduce, distribute, modify, display, or create derivative works from any content on this site without express written permission.

6. Third-Party Links & Platforms

Our website contains links to third-party websites and platforms, including our licensed agent profile pages, RSSA analyst profile, and social media accounts. These are provided for your convenience and informational purposes only. We do not control these third-party sites and are not responsible for their content, privacy practices, accuracy, or availability.

7. Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted or error-free, or that the information is complete, accurate, or current at all times.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Seniors Come First™ and Shannon Mengel shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this website or our services.

In no event shall our total liability to you for any claim exceed the amount you paid us, if any, in the twelve (12) months preceding the claim. Some jurisdictions do not allow the exclusion of incidental or consequential damages, so the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless Seniors Come First™ and Shannon Mengel from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in connection with: (a) your use of this website; (b) your violation of these Terms; or (c) your violation of any applicable law or the rights of any third party.

10. Governing Law & Dispute Resolution

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions.

Any disputes shall first be attempted to be resolved through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Clark County, Nevada, in accordance with the rules of the American Arbitration Association, unless prohibited by law.

11. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. When we make material changes, we will update the “Last Updated” date at the top of this page. Your continued use of this website after changes become effective constitutes your acceptance of the updated Terms.

12. Contact Us

If you have questions about these Terms of Service, our SMS program, or our services, please contact us:

Related Documents:  Privacy Policy