WEBSITE, SOCIAL MEDIA & COMMUNICATIONS DISCLAIMER
Independent Licensed Health Insurance Agent | Effective Date: March 2026
1. GENERAL INFORMATIONAL DISCLAIMER
All content published on this website, social media profiles, pages, posts, stories, reels, videos, advertisements, email communications, and any other digital or print materials produced by or on behalf of this independent insurance agent (collectively, "Content") is provided for general informational and educational purposes only. Nothing contained in any content constitutes insurance, financial, legal, medical, or tax advice of any kind. No Content should be relied upon as a substitute for consultation with a duly licensed insurance professional, attorney, financial advisor, or qualified healthcare provider.
2. INDEPENDENT AGENT STATUS
This agent operates as an independent licensed health insurance agent and is not employed by, affiliated with, or acting as a representative of any government agency, including but not limited to the Centers for Medicare & Medicaid Services (CMS), the federal Health Insurance Marketplace (HealthCare.gov), or any state-based exchange. Any insurance products discussed, illustrated, or referenced in Content are offered through one or more independent insurance carriers with whom
this agent maintains a valid appointment. The mention of any carrier, plan, or product does not constitute a guarantee of coverage, premium pricing, benefit availability, or approval.
3. COVERAGE, ELIGIBILITY & PREMIUM VARIATIONS
Health insurance coverage options, plan benefits, premium rates, deductibles, co-payments, out-of-pocket maximums, and eligibility requirements vary by insurance carrier, plan type, geographic location, state regulatory requirements, household income, age, tobacco status, and individual circumstances. Not all plans, products, or benefits described or illustrated in any Content are available in all states or service areas. All quoted rates and plan details are illustrative only and subject to change without notice. Final premiums and coverage terms are determined solely by the applicable insurance carrier upon
submission and approval of a completed application.
4. NO GUARANTEE OF COVERAGE OR APPROVAL
This agent does not guarantee that any applicant will qualify for, be approved for, or receive any insurance coverage, subsidy, or benefit described in any Content. Approval of coverage is determined exclusively by the applicable insurance carrier in accordance with its underwriting guidelines and applicable state and federal law. Nothing in any Content creates a binding insurance contract, and no coverage is in force until a written policy or certificate of coverage is issued by the carrier and the applicable premium is received.
5. SOCIAL MEDIA DISCLAIMER
Content published on social media platforms — including but not limited to Facebook, Instagram, LinkedIn, X (formerly Twitter), YouTube, TikTok, and any other platform — is provided solely for general informational and educational purposes. Social media Content does not constitute a solicitation for insurance in any jurisdiction where such solicitation would be unlawful without prior licensure or registration. Interactions, comments, reactions, direct messages, or other communications via social media do not establish an agent-client relationship and do not constitute the binding of insurance coverage. This agent is not responsible for the content, accuracy, or availability of any third-party links, resources, or information shared on or through social media platforms.
6. TESTIMONIALS & RESULTS DISCLAIMER
Any client testimonials, case studies, or anecdotal outcomes referenced in Content reflect individual experiences and are not representative of results that all clients may achieve. Individual results will vary based on personal health status,location, income, plan selection, carrier, and other factors. Testimonials are not a guarantee of future results.
7. INDEMNIFICATION
By accessing this website, engaging with any social media Content, or otherwise interacting with this agent through any digital or print medium, you agree to indemnify, defend, and hold harmless this agent, their principals, employees, contractors, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your reliance on any information contained in any
Content; (b) your misuse of any information provided through this website or social media channels; (c) your violation of any applicable law or regulation in connection with your use of any Content; (d) any inaccurate, incomplete, or misleading information you provide to this agent in connection with an insurance application or inquiry; or (e) any dispute between you and any insurance carrier, healthcare provider, or third party. This indemnification obligation shall survive the termination of
any agent-client relationship and shall apply to the fullest extent permitted by applicable law.
8. LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, this agent shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of or reliance upon any Content, including but not limited to errors or omissions in Content, delays or interruptions in website or social media availability, or unauthorized access to or use of personal information transmitted through any digital channel. Your sole remedy for dissatisfaction with any Content is to discontinue use of this website and social media channels.
9. PRIVACY & DATA COLLECTION
Any personal information you voluntarily submit through this website, contact forms, social media interactions, or other communications may be used solely for the purpose of responding to your insurance inquiry or providing requested services. This agent will not sell your personal information to third parties. Information may be shared with insurance carriers, enrollment platforms, or regulatory bodies as required to fulfill your coverage request or comply with applicable law.
10. LICENSING & REGULATORY COMPLIANCE
This agent is licensed to sell health insurance in the states in which they hold an active license. Licensing status and appointment availability vary by state and carrier. Nothing in any Content constitutes a solicitation or offer to sell insurance in any jurisdiction where this agent is not duly licensed. Consumers are encouraged to verify agent licensing through their applicable state Department of Insurance.
11. CHANGES TO THIS DISCLAIMER
This disclaimer is subject to change at any time without prior notice. The most current version will be posted on this website. Continued use of this website or engagement with social media Content following any modification constitutes your acceptance of the revised disclaimer.
For personalized insurance guidance, please consult directly with this licensed agent. Coverage decisions should always be made with complete information from your carrier and applicable plan documents.