Disclosures
Last Updated: July 1, 2026
Perle & Co. is a trade name/DBA of Harvey Perle LTD.
These Terms and Conditions (the "Terms") are a legally binding agreement between you and Harvey Perle LTD, doing business as Perle & Co. ("Perle & Co.," the "Company," "we," "us," or "our"). These Terms apply to your access to and use of https://perleandcompany.com, any related webpages, forms, portals, file-share tools, appointment schedulers, downloadable resources, communications, and any free or paid services we provide (collectively, the "Services").
By visiting, viewing, accessing, downloading from, submitting information through, uploading documents to, scheduling through, communicating through, paying for, or otherwise using any part of the Services, you agree to these Terms, our Privacy Policy, and any applicable Disclaimer or supplemental terms we provide. If you do not agree, do not use the Services.
We may request additional consent, written signatures, electronic signatures, checkbox confirmations, or carrier-specific forms in particular situations. Those additional documents supplement these Terms and, if there is a conflict, control for the specific transaction or service they address.
Perle & Co. is a Minnesota-based retirement and care brokerage. Our Services may include general education, consultations, needs analysis, insurance guidance, retirement and care-related brokerage services, Medicare guidance, appointment scheduling, document collection, client onboarding, educational seminars or webinars, newsletters, free digital brochures and other lead magnets, and related support.
We may assist with retirement and care insurance products, long-term care planning considerations, life and health-related insurance products, Medicare-related guidance, and other products or services that are legally available through us, our licensed representatives, carriers, or service providers. We serve customers nationwide, but only where we, our representatives, and the relevant carriers or providers are properly licensed, appointed, authorized, or otherwise permitted to do so.
The Website itself does not sell, issue, underwrite, bind, or modify any insurance policy, annuity, benefit, or other third-party product. Any insurance policy or third-party product is governed by the carrier's application, underwriting rules, policy documents, rates, disclosures, exclusions, limitations, eligibility rules, and applicable law. Coverage is not effective unless and until confirmed by the applicable carrier or provider in accordance with its requirements.
The Services are intended only for individuals located in the United States who are at least 18 years old. By using the Services, you represent that you meet these requirements. We do not represent that the Services are appropriate or available outside the United States. If you access the Services from outside the United States, you do so at your own initiative and are responsible for complying with applicable laws.
Perle & Co. is not Medicare, Medicaid, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any other federal, state, or local government agency. We are not endorsed by any government agency.
If we provide Medicare-related guidance, that guidance is for informational and brokerage-support purposes and is subject to applicable Medicare marketing, communications, enrollment, scope-of-appointment, recordkeeping, and disclosure rules. We may represent a limited number of insurers, plans, organizations, or products in a given service area and may not offer every plan available in your area. You can contact Medicare.gov or 1-800-MEDICARE for information about all available Medicare options.
When required by law, carrier requirements, or CMS rules, Medicare-specific pages, emails, forms, chats, calls, meetings, or marketing materials may include additional disclaimers, disclosures, consent language, recording notices, and other requirements. Those Medicare-specific notices supplement these Terms.
Unless we expressly agree otherwise in a separate written agreement, the Services are not legal, tax, accounting, investment, medical, nursing, social-work, care-management, or financial-planning advice. We do not diagnose medical conditions, prescribe care, provide legal opinions, prepare taxes, manage investments, or act as an investment adviser, attorney, accountant, physician, nurse, fiduciary, guardian, conservator, or care manager.
Our educational materials and brokerage guidance are general in nature and may not account for every fact that matters to your situation. You are responsible for consulting your own attorney, tax professional, medical provider, investment adviser, family members, fiduciaries, or other advisors before making decisions. Nothing in these Terms limits any non-waivable duty we may owe under applicable insurance, producer, privacy, consumer-protection, or other laws.
Your use of the Website, download of a resource, submission of a form, or communication with us does not by itself create a client, advisory, fiduciary, producer-of-record, broker-of-record, or other professional relationship. A relationship begins only when we agree to provide Services to you, receive required information, and complete any legally or operationally required steps.
We may decline, limit, suspend, or terminate Services or access to the Website at any time, including if we cannot verify your identity, we are not licensed or authorized in your location, a carrier or provider will not accept the requested transaction, we believe information is inaccurate or incomplete, you violate these Terms, or providing Services would create legal, compliance, security, conflict, or operational concerns.
You agree to provide accurate, current, and complete information and to promptly update us if information changes. We may rely on information you provide, including information about age, residence, health, medications, finances, insurance coverage, beneficiaries, family contacts, legal authority, and care needs. Inaccurate, incomplete, outdated, or late information may affect eligibility, pricing, underwriting, enrollment, coverage, benefits, service quality, or deadlines.
You are responsible for your decisions and for reviewing all applications, forms, quotes, comparisons, policy documents, plan documents, disclosures, carrier communications, and confirmations before signing, submitting, accepting, paying for, or relying on them. You are also responsible for maintaining your own records and for meeting any applicable deadlines unless we expressly agree in writing to undertake a specific deadline-related task.
We may offer a file-share, upload portal, or other secure document-transfer method because it is generally safer than sending sensitive documents by ordinary email or text. If you upload, transmit, or otherwise provide documents or information to us, you authorize us to receive, review, store, use, copy, transmit, and disclose those materials as reasonably necessary to provide Services, respond to your request, communicate with you and your authorized representatives, communicate with carriers or providers, process applications or service requests, verify information, maintain business and compliance records, prevent fraud, protect rights and security, and comply with law.
Client documents may include sensitive personal, health, insurance, financial, identity, household, beneficiary, prescription, care, or legal-authority information. You should upload sensitive materials only through the method we provide or approve for that purpose. Do not send sensitive information through ordinary email, text message, social media, or unsecured channels unless you understand and accept the risks of doing so.
You represent that you have the right and authority to provide any information or document you upload or submit, including information about another person. You must not upload documents for another person unless you are authorized to do so. You must not upload unlawful materials, malware, irrelevant sensitive information, or documents that violate another person's rights.
We use reasonable administrative, technical, and physical safeguards appropriate to our business and the nature of the information we handle. However, no website, portal, email system, device, vendor, network, or storage system can be guaranteed to be completely secure or error-free. We may use third-party technology providers, file-share vendors, customer relationship tools, carriers, and other service providers to support the Services, subject to applicable privacy, confidentiality, security, contractual, and legal requirements.
We may reject, quarantine, restrict, delete, return, or decline to process any upload or document in our discretion, including for security, legal, compliance, file-size, file-type, quality, relevance, or operational reasons. We retain and dispose of records according to our legal obligations, regulatory requirements, business needs, and internal records-retention practices.
As between you and us, you retain ownership of documents and materials you provide to us. You grant us a limited, non-exclusive permission to use, copy, store, transmit, and disclose those materials for the purposes described in these Terms, our Privacy Policy, any applicable written agreement, and applicable law.
We will not intentionally publish your private client documents as marketing content without your permission. If you submit a review, testimonial, comment, suggestion, feedback, survey response, or other non-confidential content for public or promotional use, you grant us permission to use, reproduce, display, edit for length or clarity, and distribute that content, along with your name or initials if provided, in any lawful medium, unless we agree otherwise in writing.
Our collection, use, disclosure, retention, and protection of personal information are addressed in our Privacy Policy. By using the Services, you acknowledge our Privacy Policy. If applicable law gives you privacy rights that cannot be waived, nothing in these Terms limits those rights.
We maintain internal privacy, information-security, incident-response, vendor-management, and records practices appropriate for our business and legal obligations. We do not publish detailed internal security procedures, system configurations, risk assessments, incident-response playbooks, vendor assessments, or nonpublic compliance documents.
By providing your contact information, contacting us, submitting a form, scheduling an appointment, uploading documents, downloading a resource, paying for Services, or otherwise using the Services, you authorize us and our representatives, vendors, carriers, and service providers, as applicable, to contact you using the contact information you provide or use, including by phone, voicemail, email, postal mail, secure portal, video meeting, online form, and one-to-one text message. Communications may relate to your inquiry, appointments, Services, applications, policy or plan service, educational information, renewals, deadlines, client support, compliance, billing, or marketing where permitted by law.
We do not currently use automated texting campaigns. If you text us or provide a mobile number, you consent to receive service-related and inquiry-related text messages from us at that number. Message and data rates may apply. Message frequency varies. You may reply STOP to request that we stop sending non-essential text messages to that number and HELP for help, or you may contact us through the channels listed on the Website. Revoking consent or opting out may limit our ability to provide certain Services. Any consent to receive marketing communications is not a condition of purchasing any paid Service.
You may unsubscribe from marketing emails by using the unsubscribe method provided in the email or by contacting us through the Website. Even if you opt out of marketing communications, we may still send non-marketing, transactional, service, legal, security, appointment, account, billing, or compliance communications where permitted by law.
You consent to receive notices, disclosures, agreements, confirmations, records, and other communications electronically. Electronic signatures, checkbox confirmations, typed names, portal submissions, email confirmations, and similar electronic actions may have the same effect as handwritten signatures to the fullest extent permitted by law. You are responsible for maintaining accurate contact information and for checking your email, phone, portal, spam folders, and other communication channels.
Appointment, consultation, seminar, webinar, event, or meeting availability is not guaranteed and may be changed, rescheduled, cancelled, or limited at any time. We may use phone, video, online scheduling, email, or other tools to conduct meetings and coordinate Services. You are responsible for ensuring that you have the technology, connection, environment, and authority needed to participate and to protect your own privacy during meetings.
Educational events, webinars, seminars, newsletters, and downloadable resources are provided for general information and relationship-building purposes. Attendance, participation, or download does not create a guarantee of eligibility, suitability, coverage, carrier approval, pricing, benefits, or results.
We may offer free guides, brochures, checklists, newsletters, downloads, videos, webinars, calculators, worksheets, or other digital materials. These resources are provided for personal, non-commercial, informational use only. We may require contact information or other information to access certain resources, and we may follow up with you as permitted by these Terms and applicable law.
Unless we give written permission, you may not copy, resell, license, distribute, publish, train artificial-intelligence systems on, create derivative works from, or commercially exploit our free or paid materials. We may update, remove, restrict, or discontinue any resource at any time.
We do not sell insurance policies or third-party insurance products directly through the Website. We may, however, provide paid Services, consulting, administrative support, education, analysis, or other service offerings. Paid Services may be governed by a separate proposal, engagement letter, invoice, order form, service description, carrier document, or other written terms. If separate written terms conflict with these Terms, the separate written terms control for that paid Service.
You agree to pay all fees and charges that you authorize according to the applicable invoice, proposal, or payment terms. Unless a separate written refund policy or agreement says otherwise, fees for Services already performed, time already reserved, customized work, or digital materials already delivered are non-refundable. We may suspend or discontinue paid Services for non-payment or if continuing would create legal, compliance, security, operational, or conflict concerns.
The Services may involve third-party insurers, carriers, administrators, technology vendors, file-share providers, scheduling platforms, payment processors, video-meeting platforms, professional advisors, care providers, government websites, and other third parties. We are not responsible for third-party websites, products, policies, underwriting, pricing, benefits, claims decisions, denials, delays, outages, data practices, security incidents, terms, or acts or omissions, except to the extent non-waivable law provides otherwise.
Links to third-party websites or references to third-party products or services are provided for convenience and do not imply endorsement, control, or responsibility. You should review third-party terms, privacy notices, policy documents, disclosures, and other applicable materials.
The Website, Services, text, graphics, logos, design, layout, photographs, videos, audio, downloads, forms, worksheets, guides, brochures, educational materials, software, databases, and other content we provide are owned by or licensed to us and are protected by copyright, trademark, trade secret, database, contract, and other intellectual-property laws.
We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services and our materials for your own personal, non-commercial purposes. You may not reproduce, distribute, publicly display, publicly perform, sell, resell, license, scrape, harvest, modify, translate, create derivative works from, or otherwise exploit our content or Services except as expressly permitted by us in writing or by applicable law.
You agree not to misuse the Services. Prohibited conduct includes: violating any law; impersonating another person or entity; providing false, misleading, incomplete, or unauthorized information; uploading information you do not have authority to provide; infringing intellectual-property, privacy, publicity, contractual, fiduciary, or other rights; sending spam or unauthorized advertising; harassing, threatening, abusing, defaming, or discriminating against others; uploading malware or harmful code; attempting to gain unauthorized access to systems or accounts; probing, scanning, testing, scraping, harvesting, reverse engineering, or interfering with the Services; using bots or automated tools without our written permission; competing with us through unauthorized market research or data extraction; or using the Services in a way that could harm us, our users, carriers, vendors, systems, reputation, compliance obligations, or security.
We may monitor, investigate, restrict, suspend, or terminate access to the Services and may preserve or disclose information when we believe doing so is reasonably necessary to comply with law, protect rights or safety, prevent fraud or abuse, enforce these Terms, respond to security incidents, or maintain the integrity of the Services.
We want the Website and Services to be reasonably accessible to users. If you experience difficulty accessing content, using a feature, uploading documents, downloading resources, or communicating with us, please contact us through the channels listed on the Website and describe the issue, the assistive technology you use if relevant, and the content or service you were trying to access. We will review reasonable accessibility-related requests and respond as appropriate.
We may update, modify, suspend, restrict, or discontinue any part of the Website or Services at any time without notice. The Services may be unavailable because of maintenance, outages, technology failures, vendor issues, cyber events, carrier issues, force majeure events, or other reasons. We do not guarantee uninterrupted, timely, secure, error-free, or complete availability of the Website or Services.
To the fullest extent permitted by law, the Website, Services, and materials are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, statutory, or otherwise. We disclaim warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, availability, security, error-free operation, and uninterrupted access.
We do not warrant or guarantee that any insurance product, carrier, benefit, premium, rate, underwriting result, application, enrollment, claim, service, recommendation, resource, or outcome will be available, suitable, accepted, approved, profitable, tax-advantaged, legally sufficient, or appropriate for your situation. Some jurisdictions do not allow certain warranty exclusions, so some exclusions may not apply to you.
To the fullest extent permitted by law, Perle & Co., Harvey Perle LTD, and our owners, directors, officers, employees, contractors, representatives, agents, affiliates, successors, assigns, licensors, vendors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages; lost profits; lost opportunities; loss of goodwill; business interruption; loss, corruption, or unauthorized access to data; or damages arising from your use of or inability to use the Website or Services, even if we have been advised of the possibility of those damages.
To the fullest extent permitted by law, our total liability for claims arising out of or relating to the Website, Services, or these Terms will not exceed the greater of: (a) the amount you paid directly to us for the specific paid Service giving rise to the claim during the six months before the event giving rise to liability; or (b) $100. This limitation does not limit liability that cannot be limited under applicable law, carrier obligations under issued policy documents, or rights that cannot be waived.
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Perle & Co., Harvey Perle LTD, and our owners, directors, officers, employees, contractors, representatives, agents, affiliates, successors, assigns, licensors, vendors, and service providers from and against claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to: your misuse of the Services; your violation of these Terms; your violation of law; information or documents you provide; your infringement or violation of another person's rights; or your unauthorized use of another person's information. We may assume control of the defense of any matter subject to indemnification, and you agree to cooperate with us.
Please read this section carefully because it affects your legal rights.
Before filing a lawsuit, you and we agree to make a good-faith effort to resolve any dispute, claim, or controversy arising out of or relating to the Website, Services, communications, documents, paid or free resources, or these Terms (a "Dispute"). The party raising the Dispute should provide written notice describing the issue and the requested resolution. This informal-resolution process does not prevent either party from seeking emergency injunctive relief, filing where necessary to preserve a claim before a deadline expires, or exercising rights that cannot be waived.
These Terms and any Dispute are governed by the laws of the State of Minnesota, without regard to conflict-of-law rules that would require another jurisdiction's law to apply. Subject to applicable law, you and we consent to the exclusive jurisdiction and venue of the state and federal courts located in Minnesota for any Dispute that proceeds in court.
To the fullest extent permitted by law, you and we agree that any Dispute will be brought only on an individual basis and not as a plaintiff, claimant, class member, or representative in any class, collective, consolidated, private-attorney-general, mass, or representative action. The court may not consolidate more than one person's claims or preside over any class, collective, consolidated, private-attorney-general, mass, or representative proceeding unless all affected parties agree in writing or applicable law requires otherwise.
To the fullest extent permitted by law, you and we knowingly and voluntarily waive any right to a trial by jury in any Dispute. If a court determines that any part of this Dispute Resolution section is unenforceable, the unenforceable part will be severed to the extent permitted by law, and the remaining parts will remain in effect.
We may suspend, restrict, or terminate your access to the Website or Services at any time, with or without notice, if we believe you violated these Terms, created risk, provided inaccurate or unauthorized information, misused the Services, failed to pay fees, or if we discontinue or change the Services. Sections that by their nature should survive termination will survive, including provisions regarding ownership, licenses, privacy, file uploads, disclaimers, limitations of liability, indemnification, dispute resolution, and general terms.
We will not be responsible for delay or failure to perform caused by events beyond our reasonable control, including natural disasters, severe weather, fire, flood, public-health events, labor disputes, governmental actions, carrier or vendor failures, internet or telecommunications outages, cyber incidents, power failures, civil unrest, war, terrorism, or other events beyond our reasonable control.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign or transfer these Terms, the Website, Services, records, or rights and obligations in connection with a merger, acquisition, reorganization, sale of assets, change in control, outsourcing arrangement, or operation of law, subject to applicable law.
If any provision of these Terms is found unenforceable, that provision will be modified or severed to the minimum extent necessary, and the remaining provisions will remain in effect. Our failure to enforce any provision is not a waiver of our right to enforce it later. These Terms, the Privacy Policy, any applicable Disclaimer, and any applicable supplemental or separate written terms constitute the agreement between you and us regarding the Website and Services they cover.
We may update these Terms at any time. The updated Terms will be effective when posted or when otherwise communicated, unless a later effective date is stated. The "Last Updated" date identifies the latest version. Your continued use of the Services after updated Terms are posted or communicated means you accept the updated Terms. If you do not agree to updated Terms, you must stop using the Services.
For questions about these Terms or the Services, please contact Perle & Co. through the contact methods listed on the Website. For legal notices, service of process, subpoenas, regulatory communications, or other formal legal matters, you must use legally valid service or notice methods in addition to any general Website contact channel.
Perle & Co. is an independent insurance brokerage helping people with Medicare, retirement income protection, long-term care planning, life insurance, Social Security timing, and related insurance decisions. 2026 Perle & Co. Insurance guidance, not tax or legal advice.
Licensed insurance brokerage. Product availability, licensing, and appointments vary by state.