Welcome to the Insurance Specialists Group website. These Terms & Conditions outline the rules and guidelines for using our website and engaging with the services provided by James Loftus and our team. By accessing and using this website, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our website or services.
1. Our Services
Insurance Specialists Group provides expert guidance, information, and assistance in navigating health insurance options, including Medicare (Medigap, Part D, Advantage) and individual health insurance (ACA/Obamacare), as well as dental, vision, and hearing coverage. Our role is to act as your independent advisor, helping you understand, compare, and enroll in insurance plans from various carriers. We do not underwrite, sell, or issue insurance policies directly; we facilitate your understanding and enrollment with third-party insurance providers.
2. Information on This Website
The content provided on this website is for general informational purposes only and is intended to offer a friendly overview of insurance topics. While we strive to keep the information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. The information provided does not constitute financial, legal, or medical advice.
3. No Guarantee of Coverage or Outcomes
While we are dedicated to helping you find suitable insurance coverage, we cannot guarantee your eligibility for any specific plan, the approval of your application, or any particular financial outcome or benefit. Insurance decisions are complex and depend on individual circumstances, health status, and the specific terms and conditions of the insurance carriers.
4. Your Responsibilities
When using our website and services, you agree to:
- Provide accurate, current, and complete information when requested (e.g., in contact forms or during consultations).
- Use the website for lawful purposes only and in a manner that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the website.
- Understand that any personal health or financial information you share will be used to provide you with insurance guidance as outlined in our Privacy Policy.
5. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Insurance Specialists Group or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent.
6. Limitation of Liability
To the fullest extent permitted by applicable law, in no event shall Insurance Specialists Group, James Loftus, its affiliates, or their respective directors, employees, or agents be liable for any direct, indirect, incidental, special, consequential, or punitive damages whatsoever, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the website; (ii) any conduct or content of any third party on the website; (iii) any content obtained from the website; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage.
7. Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by Insurance Specialists Group. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Insurance Specialists Group shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
8. Changes to These Terms & Conditions
We reserve the right to modify or replace these Terms & Conditions at any time. If a revision is material, we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our website after those revisions become effective, you agree to be bound by the revised terms.
9. Governing Law
These Terms & Conditions shall be governed and construed in accordance with the laws of [Insert Your State/Jurisdiction, e.g., “the State of Maryland”] without regard to its conflict of law provisions.
10. Contact Us
If you have any questions about these Terms & Conditions, please contact us. We are always here to help clarify any aspect of our services.
Insurance Specialists Group
1307 S Maple Grove Rd Suite B, Boise, ID, 83709
(208) 377-1378
james@insurancespecialistsgroup.com