Effective Date:
03/15/2026
1. Acceptance of Terms
By accessing and using the website [yourwebsite.com] operated by [Your Business Name], you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this website.
2. Insurance Information Disclaimer
The information provided on this website is for general informational purposes only and is not intended to constitute insurance, financial, or legal advice. Insurance coverage is subject to the terms, conditions, and exclusions of the specific policy issued by the insurance carrier.
3. No Guarantee of Coverage or Rates
Quotes, estimates, or insurance information provided through this website are not guaranteed and may vary based on underwriting guidelines, eligibility requirements, and carrier approval. Final premiums and coverage are determined by the insurance company.
4. Licensed Agent Disclosure
[Your Business Name] and its representatives may be licensed insurance agents. Products and services are offered through licensed insurance professionals and may not be available in all states.
5. Use of Website
You agree to use this website only for lawful purposes. You may not use the website to submit false information, impersonate another individual, or engage in any activity that disrupts or interferes with the website.
6. Intellectual Property
All content on this website including text, graphics, logos, images, and design is the property of [Your Business Name] or its content providers and is protected by applicable copyright and intellectual property laws. Unauthorized use of this content is prohibited.
7. Third-Party Links
This website may contain links to third-party websites. These links are provided for convenience only. [Your Business Name] does not control and is not responsible for the content, policies, or practices of third-party websites.
8. Limitation of Liability
[Your Business Name] shall not be liable for any damages arising from the use or inability to use this website or any information contained on the website, including but not limited to indirect, incidental, or consequential damages.
9. Privacy
Your use of this website is also governed by our Privacy Policy. By using this website, you consent to the collection and use of information as described in that policy.
10. Modifications
[Your Business Name] may revise these Terms and Conditions at any time without notice. By continuing to use this website, you agree to be bound by the current version of these Terms.
11. Governing Law
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the state in which [Your Business Name] operates, without regard to conflict of law provisions.
12. Contact Information
If you have any questions regarding these Terms and Conditions, please contact:
Brian Michaud
USA Benefits Group
brian.healthlifeoptions@gmail.com
904-233-2072