Terms of Service

# Terms of Service — Draft dated August 31, 2026; not effective until counsel approval

These Terms of Service (“Terms”) govern your access to and use of **Coverage Compass** (the “App”), including any related websites, features, content, and services (collectively, the “Services”), operated by **Dark Star Consulting Group LLC** (“we,” “us,” “our”).

By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

## 1) Definitions
“Content” means text, graphics, data, software, designs, and other materials made available through the Services.

“User Content” means information you submit or generate through the Services (for example, the answers you provide to questions, preferences, and any notes you enter).

“Decision Output” means any summary, comparison, scenario estimate, score, ranking, confidence label, or other output produced by the Services.

## 2) Eligibility
You must be at least 18 years old to use the Services. By using the Services, you represent that you are legally able to enter into a binding agreement and that you will comply with these Terms.

## 3) Scope of the Services; non‑marketing decision support
The Services provide consumer education and decision‑support regarding Medicare coverage choices, including Original Medicare, Medigap (Medicare Supplement), Medicare Advantage, Part D, Medicaid interactions, and related topics.

The Services are not marketing or lead generation by default. We do not provide enrollment services, do not sell insurance, and do not act as your agent or broker through the Services.

## 4) Not professional advice; no reliance
The Services are not a substitute for professional advice. Decision Outputs are generated based on assumptions and your inputs; they can be wrong, incomplete, or inapplicable to your circumstances.

You agree that you will not rely solely on any Decision Output to make coverage decisions. **Before enrolling in, switching, canceling, or allowing coverage to lapse, you will independently verify the relevant facts and should consult a properly licensed insurance agent or producer in your jurisdiction.** Verification should include authoritative sources such as Medicare.gov, official plan documents, the carrier or plan, state SHIP resources when appropriate, and other qualified professionals as needed.

Use of the Services does not create an insurance-agent, broker, fiduciary, attorney-client, clinician-patient, tax-advisor, or other professional relationship with Dark Star Consulting Group LLC.

## 5) No Blue Button / Medicare.gov account integration (current scope)
The Services do **not** connect to Medicare.gov accounts and do **not** retrieve claims data via Blue Button or any Medicare claims API in the current version. Any references to “claims,” “spending,” or “utilization” within Decision Outputs are estimates or user‑provided summaries unless explicitly labeled otherwise.

If we add claims import or account connections in the future, we will provide updated terms and request additional permissions as needed.

## 6) Accounts and local-first storage
The current private-beta build does **not** require or provide a Coverage Compass user account. Questionnaire answers and report context are stored locally in the user's browser by default. If account or hosted-sync features are introduced later, these Terms and the Privacy Policy must be updated before those features are treated as part of the production service.

## 7) User Content; permissions; responsibilities
You retain ownership of your User Content. In the current local-first build, Dark Star Consulting Group LLC does not receive questionnaire answers or report context by default. The App processes that information in the browser to generate Decision Outputs. If you intentionally export, print, copy, or later submit information through a support or hosted feature, that separate action may create a copy outside browser storage and will be governed by the disclosures applicable to that feature.

You agree not to submit false, misleading, or fraudulent information, content that violates another person’s rights, content that contains malware or attempts to interfere with the Services, or sensitive identifiers you do not want stored (for example, Medicare Beneficiary Identifier or Social Security number) unless a feature explicitly requests it and clearly explains why.

## 8) Acceptable use; prohibited conduct
You agree not to reverse engineer, scrape, or disrupt the Services; probe, scan, or test vulnerabilities except as authorized in writing; use the Services to violate any law or third‑party right; or use automated systems to access the Services in a way that materially degrades performance.

We may suspend or terminate access for violations.

## 9) Content and intellectual property
The Services, including our software, UI, designs, and Content, are owned by or licensed to us and protected by intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, or create derivative works from the Services.

## 10) Third‑party services and links
The Services may reference or link to third‑party resources (including government resources) for convenience. We do not control those resources and are not responsible for their content, availability, or practices. Your use of third‑party services is at your own risk and subject to their terms.

## 11) Disclaimers of warranties
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICES WILL BE ACCURATE, COMPLETE, RELIABLE, SECURE, OR UNINTERRUPTED.

## 12) Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DARK STAR CONSULTING GROUP LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOSS OF PROFITS, DATA, GOODWILL, OR OPPORTUNITY; OR COVERAGE-RELATED, HEALTH-CARE, OR FINANCIAL LOSS ARISING OUT OF OR RELATED TO YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE ON THE SERVICES OR ANY DECISION OUTPUT.

WITHOUT LIMITING THE FOREGOING, THIS INCLUDES, TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOSSES ASSOCIATED WITH COVERAGE GAPS, CLAIM DENIALS, MISSED OR MISUNDERSTOOD ENROLLMENT PERIODS, LATE-ENROLLMENT PENALTIES, UNDERWRITING OUTCOMES, PREMIUM CHANGES, PROVIDER-NETWORK CHANGES, OUT-OF-NETWORK CHARGES, FORMULARY OR PRESCRIPTION-COVERAGE CHANGES, BENEFIT CHANGES, ELIGIBILITY DETERMINATIONS, OR A DECISION TO ENROLL, SWITCH, REMAIN IN, CANCEL, OR DECLINE COVERAGE.

OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) 

Terms of Service
00 OR (B) THE AMOUNT YOU PAID DIRECTLY TO DARK STAR CONSULTING GROUP LLC FOR THE SERVICES IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited. Some jurisdictions do not allow certain exclusions or limitations, so portions of this section may not apply to you.

## 13) User responsibility; assumption of decision risk
You are solely responsible for deciding whether and how to act on information provided through the Services. You accept responsibility for independently confirming plan availability, benefits, premiums, networks, formularies, enrollment periods, underwriting rules, eligibility, provider participation, prescription coverage, and other facts material to a coverage decision.

To the fullest extent permitted by law, you voluntarily assume the risks associated with relying on incomplete, outdated, generalized, misunderstood, or inapplicable information and with making or delaying a coverage decision. You agree not to treat a score, ranking, confidence label, report, script, checklist, or other Decision Output as a guarantee of any insurance, financial, medical, legal, tax, underwriting, enrollment, or coverage outcome.

## 14) Indemnification; enforcement costs
To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Dark Star Consulting Group LLC and its affiliates, officers, directors, employees, contractors, and agents from third-party claims, liabilities, damages, losses, and reasonable expenses, including attorneys’ fees, arising from your misuse of the Services, unlawful conduct, User Content that violates another person’s rights, or material violation of these Terms.

In any dispute or enforcement proceeding permitted under these Terms, the court or arbitrator may award the prevailing party reasonable attorneys’ fees and costs to the extent authorized by applicable law. You also agree that, to the extent permitted by law, Dark Star Consulting Group LLC may seek recovery of reasonable fees, costs, sanctions, and other available relief incurred responding to claims or proceedings determined by the court or arbitrator to be frivolous, abusive, brought in bad faith, or pursued in material violation of an enforceable dispute-resolution provision.

This section is not intended to impose a penalty or to require payment of amounts that applicable law does not permit.

## 15) Arbitration and class action waiver (OPTIONAL — REVIEW WITH COUNSEL)
This section is optional and may not be appropriate for your jurisdiction or business model.

Any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by **an arbitration provider selected in the final counsel-reviewed Terms, if this section is retained**, rather than in court, except that either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property or confidentiality rights.

You and we agree that any dispute will be brought in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

## 16) Termination
We may suspend or terminate your access to the Services at any time for any reason, including suspected violations or risk to the Services. You may stop using the Services at any time.

Sections intended to survive termination (including IP, disclaimers, limitation of liability, indemnification, and dispute resolution) will survive.

## 17) Changes to the Services and Terms
We may modify the Services or these Terms from time to time. If changes are material, we will provide reasonable notice (for example, by updating the “Last Updated” date and/or providing an in‑app notice). Your continued use after changes become effective constitutes acceptance.

## 18) Governing law; venue
These Terms are governed by the laws of **the jurisdiction confirmed in the final counsel-reviewed Terms**, without regard to conflict of laws principles. If arbitration is not used or is unenforceable, the parties agree to exclusive jurisdiction and venue in the applicable state or federal courts located in **the jurisdiction confirmed in the final counsel-reviewed Terms**.

## 19) Contact
Questions about these Terms: **appdevelopment@darkstarconsultinggroup.com**.


Privacy Policy
# Privacy Policy — Draft dated August 31, 2026; not effective until counsel approval

This Privacy Policy explains how **Dark Star Consulting Group LLC** (“we,” “us,” “our”) collects, uses, shares, and protects information when you use **Coverage Compass** (the “App”) and related services (collectively, the “Services”).

## 1) What we do (and don’t do)
The Services are designed as a consumer decision‑support tool. We do not sell insurance and we do not run marketing/lead‑gen funnels by default.

**Important scope note:** The current version of the Services does **not** connect to Medicare.gov accounts and does **not** import claims data through Blue Button or any other Medicare claims API. If we add such features in the future, we will update this Policy and present additional notices and choices.

## 2) Information handled by the current private beta
Coverage Compass is local-first. The application code does not intentionally transmit questionnaire answers, report context, or recommendation results to Dark Star Consulting Group LLC by default.

### (a) Information you provide
You may provide information such as age or age range, ZIP code or county/state, preferred doctors/hospitals (names you enter), health preferences and constraints, general health indicators or chronic conditions you choose to share (optional), budget ranges and financial preferences, and notes you type into the App.

You should **not** enter sensitive identifiers such as a Medicare Beneficiary Identifier (MBI) or Social Security number unless a specific feature explicitly asks for it and explains the purpose.

### (b) Device and usage data
The current application does not include an analytics or advertising SDK and does not intentionally collect cross-site tracking data. The web-hosting provider may process ordinary request metadata needed to deliver the static site, such as IP address, request time, and browser information, under the provider's own infrastructure and retention practices.

### (c) Browser storage
Coverage Compass uses browser storage to save assessment progress, settings, report context, and private-beta report-access state. The current build does not use advertising or analytics cookies.

## 3) How information is used
Questionnaire answers and report context are processed locally in the browser to calculate readiness, generate educational Decision Outputs, restore assessment progress, and create user-requested exports or printable packets. Dark Star Consulting Group LLC does not use those locally stored answers for marketing, lead generation, analytics, or advertising in the current private beta.

## 4) How information is shared
Questionnaire answers and report content are not sent to a service provider by the App by default. Static hosting necessarily serves application files and may process ordinary web-request metadata. If the user intentionally exports, prints, copies, or later submits information through a support or hosted feature, that information leaves the local-only boundary at the user's direction.

We may disclose information if we believe in good faith that disclosure is necessary to comply with law, protect rights and safety, prevent fraud, or respond to lawful requests.

If we are involved in a merger, acquisition, financing, or sale of assets, information may be transferred as part of that transaction, subject to reasonable confidentiality protections.

## 5) Retention
Assessment and report data stored by Coverage Compass in the browser remains on that device until the user resets the assessment, clears Coverage Compass local data, clears browser/site data, or the browser removes it. Dark Star Consulting Group LLC does not maintain a server-side questionnaire-answer database in the current private beta. Hosting-provider operational logs, if any, follow the provider's retention practices.

## 6) Security
We use administrative, technical, and organizational measures designed to protect information. No system is perfectly secure. Because the current build stores assessment information locally, users should protect access to their device and browser profile and should treat Full exports and printed packets as potentially sensitive.

## 7) Your choices and rights
Depending on where you live, you may have rights to access, correct, delete, or port certain information, and to opt out of certain processing. You can contact us at **appdevelopment@darkstarconsultinggroup.com**. We may need to verify your identity before fulfilling a request.

## 8) Children
The Services are not directed to children under 13 (or under 16 where applicable). We do not knowingly collect personal information from children. If you believe a child has provided information, contact us.

## 9) International users
If you access the Services from outside the United States, your information may be processed in the United States or other locations where our service providers operate, and may be subject to those laws.

## 10) Updates to this Policy
We may update this Policy from time to time. We will update the “Effective Date” and provide notice if changes are material.

## 11) Contact
Privacy questions: **appdevelopment@darkstarconsultinggroup.com**.


Disclaimer
# General Disclaimer (Decision‑Support Tool) — Draft dated August 31, 2026; not effective until counsel approval

This General Disclaimer (“Disclaimer”) applies to your use of **Coverage Compass** (the “App”), operated by **Dark Star Consulting Group LLC** (“we,” “us,” or “our”). By using the App, you acknowledge and agree to the terms in this Disclaimer.

## 1) Not government; not Medicare; not CMS
The App is an independent consumer tool. It is **not** operated by, endorsed by, sponsored by, or affiliated with the U.S. government, **Medicare**, the Centers for Medicare & Medicaid Services (“CMS”), or any state Department of Insurance. References to Medicare, Medigap, Medicare Advantage, Medicaid, Part D, or other programs are for informational purposes only.

## 2) Not insurance, legal, tax, or medical advice
The App provides general educational information and decision‑support outputs based on user‑provided inputs and model assumptions. The App does **not** provide insurance advice, legal advice, tax advice, or medical advice.

You should consult qualified professionals (licensed insurance professionals, attorneys, tax advisors, and clinicians) for advice tailored to your situation.

## 3) No enrollment, sales, marketing, or lead generation
The App is designed as a decision‑support tool. It does not sell insurance, does not enroll you in Medicare, Medigap, or Medicare Advantage plans, and does not connect you to agents or carriers as part of the core experience (unless you independently choose to contact someone outside the App).

## 4) No claims‑data connection; no “Blue Button” integration
The current version of the App does **not** connect to Medicare.gov accounts and does **not** retrieve your claims data through Blue Button or any other Medicare claims API. Any cost estimates or comparisons shown are derived from public information sources, generalized benefit structures, user inputs, and/or modeling assumptions.

If this changes in the future, we will update our legal and privacy materials and may request additional permissions.

## 5) Accuracy; timeliness; changes in rules and pricing
Medicare rules, plan designs, premiums, cost‑sharing, formularies, networks, and eligibility rules can change. The App may reference public sources that can be updated without notice. While we aim to keep information accurate, we do not guarantee that any content is complete, current, or error‑free.

You are responsible for verifying critical information through authoritative sources, such as Medicare.gov, your plan documents, and official communications.

## 6) Health and financial risk is personal; outcomes vary
The App may describe tradeoffs between premium predictability, access, and out‑of‑pocket risk. Outcomes depend on your health events, utilization, provider choices, geography, plan availability, and your own decisions. Past experience and modeled scenarios do not predict future results.

## 7) Independent verification; licensed professional review
Coverage Compass is not a substitute for individualized insurance advice. **Do not enroll in, switch, cancel, or allow coverage to lapse based solely on a Coverage Compass result or report.** Before taking any coverage action, you should verify the relevant facts through Medicare.gov, official plan documents, the carrier or plan, your state SHIP program when appropriate, and a properly licensed insurance agent or producer who can evaluate your circumstances and the rules that apply in your jurisdiction.

Use of the App does not create an insurance-agent, broker, fiduciary, attorney-client, clinician-patient, tax-advisor, or other professional relationship with Dark Star Consulting Group LLC.

## 8) User responsibility and assumption of decision risk
You remain solely responsible for your coverage decisions, timing, applications, enrollments, cancellations, provider and prescription verification, eligibility questions, underwriting consequences, enrollment-period consequences, premiums, cost sharing, and any decision to act or not act.

To the fullest extent permitted by law, you assume the risks associated with using or relying on the App, including the risk that information is incomplete, outdated, misunderstood, unavailable, or different from the rules, benefits, networks, formularies, premiums, underwriting standards, or eligibility requirements that ultimately apply to you.

## 9) Limitation of responsibility
To the fullest extent permitted by applicable law, Dark Star Consulting Group LLC and its affiliates, officers, employees, contractors, and agents will not be responsible for losses arising from use of or reliance on the App or its outputs, including coverage gaps, denied claims, missed enrollment opportunities, late-enrollment penalties, underwriting outcomes, premium changes, out-of-network charges, prescription-coverage changes, tax consequences, or other financial, health-care, or coverage consequences.

Nothing in this Disclaimer excludes or limits liability that cannot lawfully be excluded or limited.

## 10) Disputes and enforcement costs
Dispute-resolution, fee-shifting, indemnification, and enforcement-cost provisions are governed by the Terms of Service. Where permitted by law, a court or arbitrator may award reasonable attorneys’ fees, costs, sanctions, or other relief for claims or conduct determined to be frivolous, abusive, brought in bad faith, or pursued in violation of an enforceable dispute-resolution provision.

## 11) Emergency disclaimer
If you believe you are experiencing a medical emergency, call 911 (or your local emergency number) immediately. Do not rely on the App for emergency guidance.

## 12) Contact
Questions about this Disclaimer can be sent to: **appdevelopment@darkstarconsultinggroup.com**.


Cookie Policy
# Cookie Policy — Draft dated August 31, 2026; not effective until counsel approval

This Cookie Policy explains how **Dark Star Consulting Group LLC** uses cookies and similar technologies in connection with **Coverage Compass** when the Services are accessed through a website.

## 1) What are cookies?
Cookies are small text files stored on your device that help websites function and remember preferences.

## 2) Current private-beta behavior
Coverage Compass currently uses browser storage for assessment progress, settings, report context, and private-beta report access. The application does not use advertising cookies, cross-site tracking, or an analytics SDK in the current private beta.

If future versions introduce analytics, advertising, account sessions, or other cookie-dependent services, this Policy must be updated before those features are treated as part of the production service.

## 3) Your controls
Most browsers allow you to block or delete cookies. Some features may not work if you disable cookies.

## 4) Contact
Questions: **appdevelopment@darkstarconsultinggroup.com**.


Methodology & Risk Disclosure
# Methodology & Risk Disclosure — Draft dated August 31, 2026; not effective until counsel approval

This document describes, at a high level, how **Coverage Compass** produces Decision Outputs and what limitations apply.

## 1) What the App does
The App helps users think through tradeoffs between Original Medicare + Medigap (Medicare Supplement), Medicare Advantage, and related choices such as Part D and interaction with Medicaid/LIS (where relevant). The App focuses on risk management tradeoffs: premium predictability, provider flexibility, administrative friction, and potential out‑of‑pocket exposure.

## 2) What the App does NOT do
The App does not enroll users, recommend a specific insurer/carrier, guarantee eligibility, pricing, underwriting outcomes, or plan availability, provide medical advice, or connect to Medicare.gov accounts or retrieve claims data (no Blue Button integration in the current version).

## 3) Inputs
Decision Outputs are driven by user‑supplied inputs and may use defaults where inputs are incomplete. The App may display “low confidence” where uncertainty is high.

## 4) Scoring and scenario modeling (conceptual)
The App computes comparative scores from weighted factors such as financial-risk exposure, switching/underwriting asymmetry risk, network dependence, prescription risk, benefit volatility, and related decision factors. Internal legacy scenario calculations may still be used by the scoring engine for comparison and regret logic, but the current hardened consumer runtime suppresses fixed-dollar and probability projections and presents qualitative tradeoffs instead.

## 5) Known limitations
The App may use public sources and generalized assumptions. Plan details and rules change. Real‑world decisions involve personal values and circumstances that no model fully captures. Users should verify important details through authoritative sources.

## 6) Required independent verification
Decision Outputs are directional educational tools, not instructions to enroll, switch, cancel, or remain in any particular coverage. A user should not take a coverage action based solely on a score, ranking, scenario, warning, confidence label, or report generated by Coverage Compass.

Before any enrollment, switch, cancellation, or lapse, users should verify material facts through official sources and consult a properly licensed insurance agent or producer who can evaluate the user's circumstances, jurisdiction, enrollment rights, underwriting exposure, plan availability, provider networks, formularies, and other facts that the model cannot independently verify.

## 7) User responsibility and model risk
The user remains responsible for the final decision and for the consequences of acting, delaying action, or declining to act. Model outputs may be incomplete, outdated, or inapplicable to an individual situation. No model result guarantees eligibility, acceptance, provider access, prescription coverage, premium stability, claims payment, underwriting treatment, or future plan availability.

## 8) Contact
Questions about methodology: **appdevelopment@darkstarconsultinggroup.com**.


Security Practices Summary
# Security Practices Summary (Non-Binding) — Draft dated August 31, 2026; not effective until counsel approval

This summary describes the current private-beta security and privacy posture for **Coverage Compass**, a **Dark Star Consulting Group LLC / Application Development** product. It is informational only.

## Current architecture

Coverage Compass is a local-first static application. Questionnaire answers, report context, and recommendation state are stored in the user's browser by default. The current application does not require an account, does not sync questionnaire answers to a backend, does not use an analytics or advertising SDK, and does not connect to Medicare.gov or Blue Button.

## Current controls

- Browser-local assessment storage with versioned migration
- Scoped assessment reset and complete Coverage Compass local-data deletion
- No URL-based answer import or answer-sharing control in the production runtime
- Generalized Safe export that excludes raw answers and identifying report context
- Explicit warning before sensitive Full export
- Content Security Policy and baseline security headers on the configured production host
- Same-origin static asset policy
- Hardened service-worker caching and update behavior
- Automated privacy, architecture, rule, runtime, browser, accessibility, storage, export, offline, and print checks

## Important limits

Data saved locally is only as secure as the user's device and browser profile. Full exports and printable packets may contain sensitive information and should be handled accordingly. The current private beta has no server-side questionnaire database, account system, payment entitlement service, or remote recovery system.

If accounts, backend sync, analytics, payments, crash reporting, support uploads, AI processing, or Medicare.gov integrations are added later, the security model, privacy disclosures, and release review must be updated before those features are treated as production behavior.

Security questions: **appdevelopment@darkstarconsultinggroup.com**.


Third-Party Notices
# Third‑Party Notices — Draft dated August 31, 2026; not effective until counsel approval

The Services may incorporate third‑party software, services, or content. Use of third‑party components may be governed by separate terms and licenses.

The Services may reference public information sources (for example, Medicare.gov, CMS publications, state DOI resources). Those sources may change without notice and may have their own terms.

References to third‑party services do not imply endorsement.


Accessibility Statement
# Accessibility Statement — Draft dated August 31, 2026; not effective until counsel approval

**Dark Star Consulting Group LLC** is committed to making **Coverage Compass** accessible to people with disabilities.

If you encounter an accessibility barrier, contact **appdevelopment@darkstarconsultinggroup.com** and include the page/screen, device/OS, assistive technology (if any), and a short description.


State Disclosure Templates
# State Disclosure Templates (Insert as needed) — Draft dated August 31, 2026; not effective until counsel approval

This file contains OPTIONAL templates you can adapt based on where you operate and what your app actually does. This is not legal advice.

Template — Not a licensed insurance producer (if true):
Coverage Compass is a consumer education and decision‑support tool. Dark Star Consulting Group LLC is not acting as a licensed insurance agent or broker through the App and does not sell insurance through the App.

Template — Underwriting and eligibility warning:
Availability, pricing, underwriting, enrollment windows, and eligibility depend on your circumstances and may vary by state and carrier. Verify details with authoritative sources and/or licensed professionals.

Template — Do not enter sensitive identifiers:
Do not enter Medicare numbers, Social Security numbers, or other sensitive identifiers unless the App explicitly requests them for a clearly explained purpose.


Template — Licensed professional verification:
Coverage Compass is educational decision support only. Before enrolling in, switching, canceling, or allowing coverage to lapse, independently verify material facts through official sources and consult a properly licensed insurance agent or producer who can evaluate your circumstances and the rules that apply in your jurisdiction.

Template — User responsibility and reliance:
Coverage Compass may use generalized assumptions and information that can change. You remain responsible for your coverage decisions and should not rely on the App as the sole basis for enrollment, cancellation, switching, underwriting, provider-network, prescription, or other coverage decisions.

Template — Liability and remedies:
To the fullest extent permitted by applicable state law, use of Coverage Compass is at the user's own decision risk and Dark Star Consulting Group LLC disclaims liability for losses arising from reliance on generalized decision-support output. Any limitation of liability, indemnification, arbitration, fee-shifting, or enforcement-cost provision is subject to the law of the applicable jurisdiction and the final counsel-reviewed Terms of Service.


Changelog
# Changelog — Legal Pack

## v1.1 — 2026‑01‑10
- Removed all references and assumptions related to **CMS Blue Button / Blue Button 2.0 / Medicare claims API** integration.
- Updated Disclaimer, Terms, Privacy, and Security Summary to reflect **no Medicare.gov account connection** and **no claims import** in the current app scope.

## v1.2 — 2026-08-31
- Established **Dark Star Consulting Group LLC** as the owner of Coverage Compass.
- Placed Coverage Compass under the DSCG **Application Development** division.
- Replaced generic product/company placeholders with resolved identity values.
- Added `data/legal-status.json` so unresolved counsel, support, URL, governing-law, effective-date, and mailing-address items remain explicit release blockers.
- Updated privacy, terms, cookie, methodology, and security language to match the current local-first private-beta runtime.


## v1.3 — 2026-08-31
- Strengthened no-reliance and independent-verification language across the legal pack.
- Added explicit direction to consult a properly licensed insurance agent or producer before enrollment, switching, cancellation, or lapse.
- Added user-responsibility and assumption-of-decision-risk provisions.
- Expanded limitation-of-liability language to identify common Medicare coverage and enrollment consequences.
- Added prevailing-party and bad-faith/frivolous-claim fee-recovery language, expressly limited to remedies permitted by applicable law.
- Added corresponding state-disclosure templates.
- Added the same licensed-professional, verification, and risk-allocation language to every generated Coverage Compass report packet.


Legal Pack Setup — Fill Me First
# Coverage Compass Legal Pack Status

**Product:** Coverage Compass  
**Owner:** Dark Star Consulting Group LLC  
**Division:** Application Development  
**Corporate website:** https://darkstarconsultinggroup.com  
**Status:** Draft legal pack. Not effective until counsel review and approval.

## Identity now resolved

- Product name: Coverage Compass
- Legal owner: Dark Star Consulting Group LLC
- Product division: Application Development
- Corporate web presence: darkstarconsultinggroup.com

## Identity and contact now resolved

- Dedicated Coverage Compass/Application Development support contact: appdevelopment@darkstarconsultinggroup.com

## Public application identity

- Canonical Coverage Compass URL: https://coveragecompass.darkstarconsultinggroup.com

## Still intentionally unresolved

- Governing-law and venue language
- Public mailing-address presentation
- Effective date and legal-document version
- Arbitration/dispute language, if retained
- Counsel approval of the complete legal set
- State-specific disclosures and Medicare-domain review

Machine-readable status lives in `data/legal-status.json`. Strict release readiness must remain blocked while that registry is not approved.

## Current runtime assumptions

This legal draft describes the current local-first private beta:

- No Medicare.gov or Blue Button account connection
- No claims-data import
- No default questionnaire-answer sync to a backend
- No analytics or advertising trackers
- No active public payment/entitlement system
- No URL-based answer sharing
- Safe export is generalized and non-identifying
- Full export and printable packets may contain sensitive user-entered information

## Files in this pack

- 01_disclaimer.md
- 02_terms_of_service.md
- 03_privacy_policy.md
- 04_cookie_policy.md
- 05_methodology_and_risk_disclosure.md
- 06_security_practices_summary.md
- 07_accessibility_statement.md
- 08_third_party_notices.md
- 09_state_disclosure_templates.md
- 10_changelog.md

> Working legal draft only. Corporate identity is resolved; legal approval is not.


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