1. Acceptance of Terms
By accessing or using MikeSullivanInsurance.com (the “Website”), you agree to be bound by these Terms of Use and all applicable laws and regulations.
If you do not agree with these Terms, you should discontinue use of the Website immediately.
2. Eligibility to Use the Website
You must be at least eighteen (18) years old or the age of majority in your jurisdiction to use this Website and request insurance-related services.
3. Website Purpose
The Website is intended to:
The Website is informational and marketing-oriented in nature.
4. No Insurance Advice
Information presented on this Website is provided for general educational purposes only.
Nothing on this Website constitutes:
Consumers should consult qualified professionals regarding their individual situations.
5. No Guarantee of Coverage, Rates, or Eligibility
Any information regarding:
is illustrative only.
Actual coverage, rates, underwriting decisions, and eligibility are determined by the applicable insurance carrier and may vary.
Submission of information does not guarantee:
6. Not a Government Website
MikeSullivanInsurance.com is privately owned and operated.
The Website is not affiliated with, endorsed by, or operated by:
except as may be expressly stated.
7. Medicare Information Disclaimer
Information regarding Medicare is intended for educational purposes only.
Medicare plan availability, benefits, premiums, provider networks, and prescription drug formularies may change annually.
Consumers should review official Medicare materials and carrier-specific plan documents before making enrollment decisions.
8. Insurance Product Availability
Not all insurance products are available in all states.
Availability may depend upon:
9. Licensing and State Availability
Insurance products may only be offered in states where the appropriate licenses and appointments are maintained.
Availability of services is subject to applicable state laws and regulations.
10. User Responsibilities
Users agree to:
Users may not:
11. User Submissions
Any information submitted through:
must be truthful and accurate to the best of the user’s knowledge.
12. Appointment Requests and Quote Requests
Submission of an appointment request or quote request does not create:
Such relationships are formed only through subsequent interactions and applicable agreements.
13. Electronic Communications
By using the Website, you consent to receive electronic communications from Mike Sullivan Insurance, including:
14. SMS and Telephone Communications
By voluntarily providing contact information, users consent to receiving communications regarding requested insurance products and services.
Such communications may include:
Message and data rates may apply.
Additional terms may be described in our SMS Terms & Conditions.
15. Intellectual Property Rights
All Website content is protected by intellectual property laws.
This includes:
No content may be reproduced, copied, distributed, or modified without prior written permission.
16. Website Content and Educational Materials
Educational content is provided for informational purposes only.
Although we strive for accuracy, we do not guarantee:
of any content.
17. Third-Party Websites and Services
The Website may contain links to third-party websites and services.
We are not responsible for:
offered by external websites.
18. Disclaimer of Warranties
The Website is provided on an “as-is” and “as-available” basis.
To the fullest extent permitted by law, we disclaim all warranties, including :
We do not guarantee uninterrupted or error-free Website operation.
19. Limitation of Liability
To the fullest extent permitted by law, Mike Sullivan Insurance shall not be liable for any:
arising from use of or inability to use the Website.
20. Indemnification
Users agree to indemnify and hold harmless Mike Sullivan Insurance, its owners, employees, contractors, and affiliates from claims arising from:
21. Privacy
Use of the Website is also governed by our Privacy Policy and applicable privacy notices.
Users should review those documents carefully.
22. Accessibility
Mike Sullivan Insurance is committed to improving Website accessibility and usability for all visitors.
Accessibility concerns may be reported using the contact information provided below.
23. Modifications to the Website
We reserve the right to modify, suspend, or discontinue any aspect of the Website without notice.
24. Changes to These Terms
We may revise these Terms of Use at any time.Updated versions will be posted on this page with a revised Effective Date.Continued use of the Website constitutes acceptance of revised Terms.
25. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to conflict-of-law principles.
26. Dispute Resolution
Any disputes arising from use of the Website shall be resolved through appropriate legal proceedings in a court of competent jurisdiction located in Maryland, unless otherwise required by law.
27. Severability
If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.
28. Entire Agreement
These Terms, together with the Privacy Policy and other applicable disclosures, constitute the entire agreement between the parties regarding Website use.
29. Contact Information
Mike Sullivan Insurance
MikeSullivanInsurance.com
Email: [Insert Business Email]
Phone: [Insert Business Phone Number]
Mailing Address: [Insert Business Mailing Address]