Terms and Conditions

1. Agreement to Terms

By accessing the website or utilizing the services provided by Coverage Compass Agency, including our insurance brokerage for health, life, Medicare, and retirement planning services, you agree to be bound by these Terms and Conditions. These terms constitute a legally binding agreement between you and Coverage Compass Agency regarding your use of our platform and professional consultation services. If you do not agree with all of these terms, you are expressly prohibited from using our services and must discontinue use immediately.

2. Service Usage and Intellectual Property Rights

Coverage Compass Agency provides comprehensive insurance and financial services, including but not limited to health insurance (individual, family, short-term), Medicare, Life insurance, annuities, long-term care, and supplemental products like dental, vision, and hearing. All content on our platform—including text, graphics, logos, and proprietary tools—is the property of Coverage Compass Agency and is protected by copyright and intellectual property laws. You are granted a limited license to access this information for personal, non-commercial use to evaluate insurance and financial products.

• You may not use the service to provide false, misleading, or inaccurate information when applying for insurance coverage, annuities, or retirement planning services.
• You are prohibited from copying, distributing, or creating derivative works from our proprietary content, including our early mortgage pay off strategies and hospital indemnity materials, without express written consent.
• You may not use any automated systems, such as bots or data mining tools, to extract information from our platform for competitive or commercial purposes.

3. Disclaimer and Limitation of Liability

The information provided by Coverage Compass Agency is for informational purposes and does not constitute a guaranteed offer of insurance. All services are provided on an 'AS IS' and 'AS AVAILABLE' basis. We do not warrant that insurance quotes, accidental medical expense coverage, or critical illness plans will be available at the prices shown or meet your specific legal or financial requirements. Coverage Compass Agency shall not be liable for any direct, indirect, or incidental damages resulting from your reliance on the information provided or the performance of any third-party insurance carrier.

4. Governing Law, Changes, and Contact Information

These Terms and Conditions and your use of our services are governed by and construed in accordance with the laws of the state in which Coverage Compass Agency is headquartered, without regard to its conflict of law principles. Any legal action or proceeding related to your access to the services shall be instituted in the courts of that jurisdiction.

We reserve the right to modify these terms at any time. We will notify users of any changes by updating the 'Effective Date' at the top of this page. Your continued use of the service after such modifications constitutes your acknowledgment and acceptance of the updated terms. If you have any questions regarding these terms or our insurance products, please contact us through our official agency communication channels.