Website information does not create insurance coverage
A website visit, quote request, discussion, or form submission does not bind, issue, change, renew, or cancel an insurance policy. Coverage exists only as stated in official carrier documents after all applicable requirements are satisfied.
1. Acceptance of These Terms
These Terms and Conditions govern your use of healthcaresolutionsteam-brandon.com (the “website”), operated for Healthcare Solutions Team Brandon. By accessing or using the website, you agree to these terms and our Privacy Policy. If you do not agree, please do not use the website.
You must be at least 18 years old, or the age of legal majority where you live, to use a form to request insurance services or submit a career inquiry.
2. General Information, Not Individual Advice
The website provides general educational and marketing information about insurance products and services. It is not a complete description of any plan and is not legal, tax, accounting, investment, or medical advice.
Insurance laws, carrier rules, plan availability, networks, formularies, premiums, benefits, exclusions, and eligibility requirements can change. Information that is accurate for one person, place, or effective date may not apply to another. Speak with an appropriately licensed professional and review current official documents before making a decision.
3. Quotes, Applications, and Coverage
Any premium, benefit, subsidy, tax credit, savings, or eligibility information discussed on the website is an estimate unless an official source expressly states otherwise. Final terms are determined by the applicable insurer, Marketplace, or other authorized administrator.
No insurance coverage is effective merely because you:
- Visit the website or read information on it.
- Submit a form, request a quote, or speak with an agent.
- Provide application information or receive preliminary pricing.
- Receive a confirmation that information was submitted.
Coverage is effective only when the responsible carrier or administrator approves it, all required conditions are satisfied, any required premium is received, and the effective date shown in the official documents has arrived. The policy, certificate, evidence of coverage, and carrier notices control if website content or a conversation differs from those documents.
4. Website Forms and Communications
You agree to provide accurate, current, and complete information when using a website form. Do not submit another person’s information unless you are authorized to do so.
When you provide contact information and submit a request, you authorize our team to respond about that request by telephone, email, or text using the details you provided. This permission is limited to responding to and servicing your inquiry. Consent to unrelated automated marketing is not a condition of purchasing insurance.
Email and text messages are not guaranteed to be secure or delivered without delay. Do not send Social Security numbers, payment details, member IDs, or private medical information through a general website form, email, or text message.
5. Acceptable Use
You may use the website only for lawful personal or business purposes. You may not:
- Attempt to gain unauthorized access to the website, its accounts, systems, or data.
- Interfere with website availability, security, or normal operation.
- Submit false, deceptive, infringing, harmful, or unlawful material.
- Use automated means to scrape, copy, or overload the website without written permission.
- Impersonate another person or misrepresent your authority or identity.
- Use website content to provide misleading insurance, legal, tax, medical, or financial advice.
We may restrict access or take other reasonable steps when we believe the website is being misused or its security is threatened.
6. Intellectual Property
The website’s original text, layout, graphics, logos, icons, and other materials are owned by Healthcare Solutions Team Brandon or used with permission and are protected by applicable intellectual property laws.
You may print or save a reasonable copy for personal, noncommercial use. You may not reproduce, republish, sell, modify, distribute, or create derivative commercial works from website content without prior written permission. Carrier names and marks belong to their respective owners.
7. Third-Party Websites and Services
The website may link to or display content from insurers, government Marketplaces, mapping providers, social platforms, document services, and other third parties. Links are provided for convenience and do not transfer responsibility for those services to us.
Third parties control their own content, availability, security, privacy, accessibility, and terms. Review their current policies before providing information or completing a transaction.
8. Website Disclaimers and Limitation of Liability
We work to keep the website useful, secure, and current, but it is provided on an “as available” basis. To the fullest extent permitted by law, we do not warrant that every item will be complete, error-free, uninterrupted, or suitable for every purpose.
To the fullest extent permitted by law, Healthcare Solutions Team Brandon and its owners, team members, agents, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of, or inability to use, the website. Nothing in these terms excludes a responsibility that applicable law does not allow us to exclude.
Your sole remedy for dissatisfaction with the website is to stop using it. Questions about an insurance policy should be directed to the applicable carrier or a licensed agent.
9. Governing Law and Severability
To the extent permitted by law, these terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute concerning the website will be handled in an appropriate state or federal court serving Hillsborough County, Florida, unless applicable law requires another location.
If a provision of these terms is found unenforceable, it will be limited or removed only to the extent necessary, and the remaining provisions will continue in effect. A failure to enforce a provision is not a waiver of that provision.
10. Changes and Contact Information
We may revise these terms as our website, services, or legal obligations change. Updated terms take effect when posted unless a later date is stated. Continuing to use the website after an update means you accept the revised terms.
Questions may be sent to kbardales@myhst.com, made by phone at (813) 689-8800, or mailed to Healthcare Solutions Team Brandon, 730 Cactus Ridge Cir, Suite B, Seffner, FL 33584.