TERMS OF USE - OCTOBER/2024

As an independently held and operated, private marketing website - Victor Emil Vallo (doing business as "MedicalNeighbor.com") is neither affiliated with, nor endorsed by any federal, state or local government agencies or exchanges. Victor Emil Vallo (doing business as “MedicalNeighor.com”) is a licensed health insurance agent who works for or with national commercial health insurance carriers. He is qualified to present and review the health insurance options that are available within your state. Bare in mind it is possible that not every health plan, product, rate or coverage option is available in your specific service area. Refer to our terms and conditions and privacy policy for any additional information. The website you are visiting is owned and managed by Victor Emil Vallo (doing business as "MedicalNeighbor.com") (hereinafter collectively referred to as the “Companies”). Any use of this website is subject to the complete Terms of Use, Disclaimers and Privacy Policy set forth on this page. By using this website, you agree to these Terms of Use, Disclaimers and Privacy Policy. Read the Terms of Use, Disclaimers and Privacy Policy carefully.

IF YOU USE THIS WEBSITE, YOU ARE DEEMED TO HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS OF USE, DISCLAIMERS AND PRIVACY POLICY. IF YOU DO NOT ACCEPT THE TERMS OF USE, DISCLAIMERS AND PRIVACY POLICY, YOU SHOULD STOP READING OR OTHERWISE USING THE WEBSITE OR ANY MATERIALS OBTAINED FROM IT.

The information contained on this website is provided for educational and informational purposes only. The content of this website is not and should not be construed as legal or medical advice or an offer to perform services on any matter. This website contains general information from a variety of sources and might not reflect current legal developments, verdicts or settlements. The Companies do not undertake to update material on this website to reflect subsequent legal or other developments.

Nevertheless, the Companies want the information contained on this website to be complete and accurate. If you discover information on this website that you believe is incomplete or inaccurate, please notify us using the contact information located on this page.

The law differs in every jurisdiction, and you should not rely on any opinion except that of an attorney you have retained, who has a professional duty to advise you after being fully informed of all the pertinent facts, and who is licensed in the applicable state, and is familiar with the applicable law. Internet subscribers and online readers should seek professional counsel about their legal rights and remedies. You should not act or refrain from acting on the basis of any information found on this website. Any actions or decisions about your legal rights should be based on the particular facts and circumstances of your situation, and appropriate legal advice from an attorney. The Companies expressly disclaim all liability with respect to actions taken or not taken based upon any information or other contents of this site.

VIEWING THE COMPANIES’ WEBSITES, OR COMMUNICATING WITH THE COMPANIES BY E-MAIL OR THROUGH THIS SITE, DOES NOT CONSTITUTE OR CREATE AN ATTORNEY-CLIENT RELATIONSHIP WITH ANYONE. THE CONTENT AND FEATURES ON THIS WEBSITE DO NOT CREATE, AND ARE NOT INTENDED TO CREATE, AN ATTORNEY-CLIENT RELATIONSHIP, AND SHALL NOT BE CONSTRUED AS LEGAL ADVICE. THIS CONTENT AND FEATURES OF THIS WEBSITE, INCLUDING MEANS TO SUBMIT A QUESTION OR INFORMATION, DO NOT CONSTITUTE AN OFFER TO REPRESENT YOU.

Any information sent to the Companies via Internet e-mail or through the website is not secure and is done on a non-confidential basis. The Companies respect the privacy of any person who contacts us, and we will make reasonable efforts to keep information confidentially internally, but because of the nature of Internet communications and the absence of an attorney/client relationship, we cannot promise or guarantee confidentiality.

The content provided on this site, such as documents, text, graphics, images, videos, or other materials, are for informational purposes only. The information is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always consult a physician for diagnosis and treatment of any medical condition or for any questions you may have regarding a health concern. Never disregard professional medical advice or delay in seeking it because of something you have read or seen on this site. Links to other sites are provided for information only. Use of trade names is for identification only and does not constitute endorsement by the Companies.

The Companies may periodically change, remove, or add to the material in this website without notice. This material may contain technical or typographical errors. The Companies do not guarantee its accuracy, completeness or suitability. The Companies assume no liability or responsibility for any errors or omissions in the contents of this website. Your use of this website is at your own risk. Under no circumstances shall the Companies or any other party involved in the creation, production or delivery of this website be liable to you or any other person for any indirect, special, incidental, or consequential damages of any kind arising from your access to, or use of, this website.

IN NO EVENT SHALL THE COMPANIES BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES RELATING TO THIS MATERIAL, FOR ANY USE OF THIS WEBSITE, OR FOR ANY OTHER LINKED WEBSITE.

This website may contain links to third party websites for the convenience of our users. The Companies do not endorse any of these third party sites and do not imply any association between the Companies and those sites, other than as specifically set forth herein. The Companies do not control these third party websites and cannot represent that their policies and practices will be consistent with these Terms of Use, Disclaimers and Privacy Policy. If you use links to access and use such websites, you do so at your own risk. The Companies are not responsible for the content or availability of any linked sites. These links are provided only as a convenience to the users of this website.

Victor Emil Vallo (doing business as "MedicalNeighbor.com") may associate on certain types of cases with lawyers licensed or otherwise admitted to practice law throughout the United States. Victor Emil Vallo (doing business as "MedicalNeighbor.com") is affiliated with a network of attorneys and law firms formally or informally. Attorneys and law firms associated by Victor Emil Vallo (doing business as "MedicalNeighbor.com") are determined by Victor Emil Vallo (doing business as "MedicalNeighbor.com"), in the professional judgment of its principals, to be experienced in and qualified to handle the litigation matters for which they are associated.

An address listed in a directory or on a page on this website is typically that of an attorney located at the address who has associated, or has agreed to associate, with Victor Emil Vallo (doing business as "MedicalNeighbor.com") on certain types of cases. No representation is made that the Companies or attorneys employed by the Companies are located at the address or licensed to practice law in the jurisdiction in which the address is located. The Companies have endeavored to use listed addresses with the permission of the associated attorneys and to list addresses accurately. If you see a listed address that is not for an associated attorney, please contact us so that we make any necessary corrections. If you are an attorney interested in becoming affiliated with the Companies, please contact us for more information.

Initial consultations on a particular matter are provided free of cost, and upon agreement with the potential client and in the sole discretion of the available attorney. The available attorney will enter into a contract for legal services with the potential client which describes in writing the fee charged for a particular engagement, as well as other terms of the representation, including disclosure that other attorneys or law firms may be associated to participate in the representation. If known, the identity of any affiliated attorney or law firm that will have a role in the representation will be included in the contract. Otherwise, in the event that counsel is associated on a particular matter, the client will be informed and any consent required by applicable rules of professional conduct will be obtained.

All personal injury matters are handled on a contingency fee basis, meaning that a client pays no fees or costs unless a recovery is obtained on the client’s behalf. Fees paid in the event of a recovery are a percentage of the total recovery, as agreed to with the client prior to undertaking the representation and as set forth in the contract for legal services, and are intended to be in accordance with standards in the legal services industry and, where applicable, state rules of professional responsibility. Costs incurred in the representation are deducted from the client’s portion of any recovery but are not required to be paid out of pocket by the client. If there is no recovery, the client will not be responsible for any cost incurred in the representation (unless expressly agreed to by the client prior to the cost being incurred). The use of affiliated attorneys or law firms does not increase the fee, although other factors may increase the fee.

Inquiries made through this website are typically responded to by Victor Emil Vallo (doing business as "MedicalNeighbor.com") or its representatives. Victor Emil Vallo (doing business as "MedicalNeighbor.com") reserves the right to not respond to inquiries on this website and may, at its discretion, direct inquiries to other attorneys or law firms without an initial response. In such instances, Victor Emil Vallo (doing business as "MedicalNeighbor.com") makes no representation regarding the ability of the responding attorney to represent the potential client in accordance with applicable standards of care.

Telephone calls made or received by the Companies regarding an inquiry made through this website may be recorded for record-keeping, training and quality-assurance purposes.

The laws of each state are different. This website may contain information about general or common rules that apply in some states. This website may also contain information about verdicts or settlements in past cases. You cannot assume that the same rules apply, or that the same result would occur, in your state or any particular state or case. Every case is different, and past results are not predictive of future outcomes.

Statutes of limitations are especially important. Every state has laws called the “statute of limitations” which set a deadline to file a lawsuit. A lawsuit filed too late may be thrown out, regardless of the defendant’s fault or the severity of the injuries. Some states have a three-year period for negligence injury claims; the time period in other states may be longer or shorter. Because investigation and research is needed to identify all possible defendants and theories of recovery, if you have an accident or injury, you should consult a lawyer as soon as possible.

The Companies have tried to comply with all legal and ethical requirements in compiling this website. We welcome comments about our compliance with applicable rules and will update the site as warranted, upon learning of any new or different requirements. We only want to represent clients based on their review of this website if it complies with all legal or ethical requirements.

To the extent that any display of honors, accolades and recognition made on this website are considered attorney advertising, no aspect of such advertisement has been approved or sanctioned by the supreme courts or accrediting organizations of any state. The inclusion of an honor, accolade or recognition is not intended to compare the services of any attorney with any other attorney or law firm, nor is it intended to create an expectation of results that can be obtained in a particular matter. Any honor, accolade or recognition that uses the term “super,” “best,” “superior,” “leading,” “top-rated,” or the like, only means that the attorney has been included in a list containing that term. It is not intended to convey any superlative ability of the attorney recognized.

The websites of the organizations conferring the honor, accolade or recognition may be linked to from the badge or logo displayed on this website, and you are encouraged to visit those websites to learn more about the process by which the the attorney was selected. Where the logo of a publication is listed as featuring the Companies or an attorney, you are encouraged to perform an author search or other type of search on that website for the information communicated by or about the Companies or the attorney on that website. Alternatively, information about honors, accolades and recognition can be provided upon request.

Because some material on this website may be found to constitute attorney advertising, and because this website may be viewed from anywhere in the United States, particular disclosures may be required by the rules of some states. To the extent applicable, the Companies adopt and make the following disclosures:

Alabama: No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.

Arizona: ATTORNEY ADVERTISING. No representation is made promising or guaranteeing a particular outcome or result. Any attorneys claiming certification in an area of law are certified by the Arizona Board of Legal Specialization.

Colorado: Colorado does not certify attorneys as specialists in any field.

Florida: The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

Iowa: The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is required by rule of the Supreme Court of Iowa.

NOTICE TO THE PUBLIC: Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or field of practice do not mean that a lawyer is a specialist or expert in a field of law, nor do they mean that such a lawyer is necessarily any more expert or competent than any other lawyer. All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa.

Kentucky and Oregon: THIS IS AN ADVERTISEMENT.

Mississippi: The Mississippi Supreme Court advises that a decision on legal services is important and should not be based solely on advertisements.

Missouri: Neither the Supreme Court of Missouri nor the Missouri Bar reviews or approves certifying organizations or specialist designations.

Nevada: The State Bar of Nevada does not certify any lawyer as a specialist or expert.

New Jersey: ATTORNEY ADVERTISEMENT — NOT A REFERRAL SERVICE. Before making your choice of an attorney, you should give this matter careful thought. The selection of an attorney is an important decision.

New Mexico: LAWYER ADVERTISEMENT.

New York: ATTORNEY ADVERTISING. Prior results do not guarantee a similar outcome.

Tennessee: None of the attorneys in this firm are certified as a Civil Trial, Criminal Trial, Business Bankruptcy, Consumer Bankruptcy, Creditor’s Rights, Medical Malpractice, Legal Malpractice, Accounting Malpractice, Estate Planning or Elder Law specialist by the Tennessee Commission on Continuing Legal Education and Specialization. Certification as a specialist in all other listed areas is not currently available in Tennessee.

Texas: Unless otherwise stated, our attorneys claiming certification in an area of law are not certified by the Texas Board of Legal Specialization.

Wyoming: The Wyoming State Bar does not certify any lawyer as a specialist or expert. Anyone considering a lawyer should independently investigate the lawyer’s credentials and ability, and not rely upon advertisements or self-proclaimed expertise.

Except on pages containing information about a particular attorney or as otherwise noted, individuals depicted in photographs on this website are not affiliated with the Companies in any capacity, and their depiction is not intended in any way to create an expectation of results that might be obtained in a particular case. Such individuals are actors, and they are depicted in stock photographs that have been properly licensed by the Companies. Users are prohibited from downloading photographs on this website for any reason other than for personal use, including but not limited to retransmitting, reproducing or otherwise engaging in unauthorized use of the photographs.

While not all pages or posts on this website will be open to comments, comments are otherwise welcomed and encouraged. However, comments containing the following may be edited or deleted, at the sole discretion of the Companies: Spam or questionable spam; profane, derogatory or defamatory language; offensive language or concepts; attacks either on a person individually or the Companies. Users submitting comments that violate this comment policy may be banned from further commenting on this website.

Whether a page or post is open to comments is in the sole discretion of the Companies. The Companies reserve the right, without notice, to pre-approve, edit or delete any comments for any reason.

A posted comment should not be deemed to have been approved or endorsed by the Companies, and the Companies take no responsibility for the content of a posted comment. If you believe a posted comment is defamatory to you or others, constitutes speech not protected under law, or is in violation of this comment policy, you are encouraged to contact the Companies in the manner provided for on this page to express your concern.

This comment policy is subject to change at any time, with or without notice to the users of the website.

Jurisdiction and Governing Laws in Case of Dispute

These Terms of Use and Disclaimers shall be governed by and construed in accordance with the laws of the State of Arkansas without regard to any choice of law principles. Disputes arising hereunder shall be subject to the exclusive jurisdiction of the state courts of Arkansas.

The Companies are committed to protecting your privacy. Please read the following Privacy Policy to understand how your personal information will be treated as you use this website. When you use this website, you consent to the use of your personal information by the companies in the manner specified in this Privacy Policy. This policy may change periodically, so please check back from time to time. The date of the last update to this Privacy Policy was October 2024.

As with most websites, if you visit our website to browse, read, or download information:

Your web browser automatically sends us (and we may retain) information such as the:

Internet domain through which you access the Internet (e.g., yourServiceProvider.com if you use a commercial Internet service provider, or yourSchool.edu if you use an Internet account from your school);

Internet Protocol address of the computer you are using;

Type of browser software and operating system you are using;

Date and time you access our site; and

The Internet address of the site from which you linked directly to our site.

We will use this information as aggregate data to help us maintain this site, e.g., to determine the number of visitors to different sections of our site, to ensure the site is working properly, and to help us make our site more accessible and useful.

We will not use this information to identify individuals, except for site security or law enforcement purposes.

We will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information.

If you choose to identify yourself (or otherwise provide us with personal information) when you use our online forms:

We will collect (and may retain) any personally identifying information, such as your name, street address, email address, and phone number, and any other information you provide. We will use this information to try to fulfill your request and may use it provide you with additional information at a later time. We will not disclose such information to third parties, except as specified in this privacy policy.

If you request information, services, or assistance, we may disclose your personal information to those third parties that (in our judgment) are appropriate in order to fulfill your request. If, when you provide us with such information, you specify that you do not want us to disclose the information to third parties, we will honor your request. Note, however, that if you do not provide such information, it may be impossible for us to refer, respond to or fulfill your request.

If your communication relates to a law enforcement matter, we may disclose the information to law enforcement agencies that we deem appropriate.

We may keep information that we collect for an unlimited period of time.

Please note that electronic communication, particularly email, is not necessarily secure against interception. Please do not send sensitive data (e.g., Social Security, bank account, or credit card numbers) by email or web form.

We may use cookies in order to customize this site for return visitors. These cookies are not required for site functionality. Additionally, third-party widgets may install cookies depending on their configuration. You are not required to accept any cookies to use this site.

We use a tool called “Google Analytics” to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not use Google Analytics to collect personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.

Information From Children: The Companies do not direct their websites to children under thirteen (13) years of age. Individuals under eighteen (18) should consult with their parent or guardian about the use of this website.

Monitoring, Enforcement, and Legal Requests: The Companies are not obligated to monitor this website or its use, or to retain the content of any user session. However, the Companies reserve the right at all times to monitor, review, retain, and/or disclose any information as necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to cooperate with law enforcement and other authorities in investigating a claim of illegal activity. We may use IP addresses to identify a user when we feel it is necessary to protect our service, website, clients, potential clients, or others.

Other Websites: Except as otherwise expressly discussed in this Privacy Policy, this policy only addresses the Companies’ use and disclosure of information we collect from you. To the extent that you disclose personal information to other websites, you are subject to the privacy customs and policies of those other sites. We encourage you to ask questions before you disclose any personal information.

Transmission Errors or Unauthorized Acts: No data transmission over the Internet can be guaranteed to be 100 percent secure. While we strive to protect your personal information, the Companies cannot ensure or warrant the security of any information you transmit to us or any information provided online, and you do so at your own risk. The Companies will not be liable for disclosures of your personal information due to errors in transmission or unauthorized acts of third parties. Once we receive your transmission, we will do our best to ensure its security on our systems by making reasonable efforts to protect the information.

Security: Any information provided to the Companies is treated with care and discretion. The Companies will take a proactive approach to ensure the information is kept private and is not misused.

Opt-Out Information

You have the right to access, delete, and opt-out from the sale of their Personal Information.

To file your Opt-Out request, please email us at victor.vallo@mobilepushers.com or call us at 708-296-0256. On receipt of your request, we may request additional information if we are unable to verify your identity based on comparing the information you submit with information we retain in our files, or if we believe additional information is needed to verify your identity. If you request to receive the specific pieces of Personal Information in our files about you, we will send you and require you to return a signed declaration, under penalty of perjury, verifying your identity and request.

If you file a request to access or delete your Personal Information, we have 45 days to respond to your request. We may also inform you that we need up to 45 additional days to respond and the reason we need additional time. If you opt-out of the sale of your Personal Information, we have 15 days to process your opt-out request.

If you are an authorized agent of a requesting consumer, you must provide a written authorization from the consumer or a copy of a lawful power of attorney that permits you to submit the request on the consumer’s behalf. You may provide that written authorization to us via email at victor.vallo@mobilepushers.com after submitting the request. We may contact you or the consumer on whose behalf you claim to act to verify your authorization.

Additional information about how we collect, use, and disclose Personal Information, and methods by which you may contact us with questions, can be found in our Privacy Policy. You may find the answer you are looking for faster by reviewing the Privacy Policy than by submitting a request and waiting for our response.

We pursue a full-disclosure approach to responsibly care for the information you have entrusted with us, and we depend on information sharing as our principal means to best serve you. We will continually monitor feedback and seek to improve our services to meet your needs. If you have any questions about this Privacy Policy or the practices of this website, or if you would like to provide comments, please contact us using our online forms, by telephone at (708) 296-0256, by email at info@MedicalNeighbor.com"), or by regular mail at the address listed above.

Under the California Consumer Privacy Act (“CCPA”), California residents have the right to access, delete, and opt-out from the sale of their Personal Information.

To file your CCPA request, please email us at victor.vallo@mobilepushers.com or call us at 708-296-0256. On receipt of your request, we may request additional information if we are unable to verify your identity based on comparing the information you submit with information we retain in our files, or if we believe additional information is needed to verify your identity. If you request to receive the specific pieces of Personal Information in our files about you, we will send you and require you to return a signed declaration, under penalty of perjury, verifying your identity and request.

If you file a request to access or delete your Personal Information, we have 45 days to respond to your request. We may also inform you that we need up to 45 additional days to respond and the reason we need additional time. If you opt-out of the sale of your Personal Information, we have 15 days to process your opt-out request.

If you are an authorized agent of a requesting consumer, you must provide a written authorization from the consumer or a copy of a lawful power of attorney that permits you to submit the request on the consumer’s behalf. You may provide that written authorization to us via email at victor.vallo@mobilepushers.com after submitting the request. We may contact you or the consumer on whose behalf you claim to act to verify your authorization.

Additional information about how we collect, use, and disclose Personal Information, and methods by which you may contact us with questions, can be found in our Privacy Policy. You may find the answer you are looking for faster by reviewing the Privacy Policy than by submitting a request and waiting for our response.