Terms & Conditions

These Terms and Conditions ("Terms") establish a legally binding agreement between you, the user, and FS Health Solutions Insurance Agency (referred to as "we," "our," or "us"). By using this website or submitting an inquiry, you agree to abide by these Terms. If you do not accept these Terms, you must refrain from using this website or requesting information.

All disputes between you and us must be resolved through binding arbitration, meaning you waive your right to file a lawsuit, participate in a class action, or have your claims decided in court by a judge or jury.

Services Provided

FS Health Solutions Insurance Agency serves as an intermediary, connecting users with insurance providers that may respond to their inquiries. We do not charge users for submitting an inquiry but may receive compensation from insurance providers for making these connections.

By submitting your information, you authorize us to share it with insurance providers who offer relevant services. Please review our

Privacy Policy, which is an integral part of these Terms. By providing your contact details, you consent to being contacted via phone, email, text message, or mail, even if you are registered on a national or state Do Not Call list.

No Endorsement or Guarantees

We do not endorse, recommend, or guarantee any specific insurance provider or product. FS Health Solutions Insurance Agency is

not a licensed insurance provider and does not directly offer insurance policies. Any agreement you enter into with an insurance provider is an independent contractual relationship between you and that provider.

Submitting an inquiry on this website does not guarantee that you will be contacted by an insurance provider or that you will obtain insurance coverage.

Use of Your Information

By using our website, you acknowledge and agree that your information may be shared with third-party insurance providers. Once your information is transferred, it is subject to the privacy policies of those providers.

If you wish to stop receiving communications, you must contact the provider directly. We do not sell your personal information —it is shared solely to facilitate your request, as described in our Privacy Policy.

Disclaimer of Warranties

This website and our services are provided "as is," with no guarantees or warranties. We disclaim all warranties, including but not limited to:

- Merchantability (suitability for general use)

- Fitness for a particular purpose

- Accuracy and reliability of information

- Non-infringement of third-party rights

We do not guarantee that this website will be error-free, uninterrupted, or free from harmful software.

Limitation of Liability

To the fullest extent permitted by law, FS Health Solutions Insurance Agency and its affiliates shall not be held liable for any damages arising from:

- Your use of this website or our services

- Information received from third-party insurance providers

- Any insurance policy or service obtained from a third-party provider

If any limitation of liability is deemed unenforceable, our total liability will not exceed $100.

Dispute Resolution & Arbitration

Unless prohibited by law, any disputes arising from your use of this website or our services must be resolved through binding arbitration. Arbitration will be conducted according to the procedures established by the American Arbitration Association (AAA) or another mutually agreed-upon arbitration provider.

Arbitration will take place in FL, unless both parties agree to a different location. For disputes under $2,500, telephonic arbitration may be an option.

Class action lawsuits and combined arbitration cases are not permitted.

Changes to These Terms

We reserve the right to modify these Terms, our website, or our services at any time without prior notice. Updated Terms will be posted on this website, and your continued use of our services constitutes your acceptance of the revised Terms.

If you do not agree with the modified Terms, you must discontinue use of our website and services.

Governing Law

These Terms are governed by the laws of FL, excluding any conflict-of-law principles. If any part of these Terms is deemed unenforceable, the remaining provisions will remain in full force.

Entire Agreement

These Terms represent the entire agreement between you and FS Health Solutions Insurance Agency regarding your use of this website and our services. Failure to enforce any provision does not constitute a waiver of rights.

By using this website, you confirm that you have read, understood, and agreed to be bound by these Terms.