Terms and Conditions

1. Website Use

You may use this website only for lawful purposes and in a manner consistent with these Terms and Conditions.

You agree not to misuse the website or attempt to interfere with its operation, security, or availability.

• Use the website only for legitimate personal or business inquiries related to our services.
• Do not submit false, misleading, harmful, unlawful, fraudulent, or incomplete information.
• Do not attempt to gain unauthorized access to any part of the website, its servers, forms, or connected systems.
• Do not use the website to transmit malicious code, spam, automated scraping, or material that could disrupt services or damage systems.
• Do not impersonate another person or submit information on behalf of another person unless you are legally authorized to do so.

2. General Information Only

The information on this website is provided for general informational purposes only. It is not legal, tax, financial, medical, insurance, Medicare, Marketplace, or professional advice tailored to your specific situation.

Website content may not reflect the most current legal, tax, carrier, Medicare, Marketplace, or plan information. You should not rely on website content as a substitute for a consultation, official plan documents, government notices, carrier materials, tax forms, or individualized professional guidance.

3. No Professional Relationship Created by Website Use

Your use of this website, viewing of website content, or submission of a general contact form does not create a client relationship, broker-client relationship, tax-preparer relationship, fiduciary relationship, agency relationship, or professional engagement with MR Insurance Advisors LLC.

A professional relationship begins only when we agree to provide a specific service to you and, when applicable, complete any required intake, authorization, consent, verification, appointment, carrier, Marketplace, Medicare, tax-preparation, or engagement process.

We reserve the right to decline, discontinue, or limit services where permitted by law, including when required information is incomplete, inaccurate, unverifiable, outside our service scope, or cannot be processed securely.

4. No Government, Medicare, Marketplace, or Carrier Affiliation

MR Insurance Advisors LLC is an independent insurance agency. We are not Medicare.gov, HealthCare.gov, CMS, the IRS, or any federal or state government agency. We are not owned by, operated by, or endorsed by the U.S. government or any insurance carrier. Plan availability, eligibility, benefits, premiums, and enrollment are determined by the applicable carrier, Marketplace, government program, or plan administrator.

We are not endorsed by, operated by, or acting on behalf of Medicare.gov, HealthCare.gov, CMS, the IRS, any federal or state government agency, or any insurance carrier, unless a specific carrier appointment or authorization applies to a specific insurance service.

Insurance products, plan availability, benefits, provider networks, formularies, eligibility, enrollment periods, premiums, subsidies, tax credits, and coverage terms are determined by the applicable carrier, Marketplace, government program, or program administrator.

Not all plans, products, carriers, or program options may be available in every area or through MR Insurance Advisors LLC. Official government websites and carrier materials should be consulted for complete and current information.

5. Insurance and Medicare Services Disclaimer

MR Insurance Advisors LLC provides insurance advisory and related support services. We do not issue insurance policies, underwrite coverage, guarantee enrollment approval, guarantee premium amounts, guarantee subsidy eligibility, guarantee provider participation, or guarantee that a plan will meet all of your needs.

We do not offer every plan available in your area. Currently, we represent a limited number of organizations and plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Any insurance quote, comparison, or explanation is based on the information available at the time and the information you provide. Final eligibility, enrollment, coverage, premiums, benefits, provider networks, prescription coverage, and plan terms are controlled by the applicable carrier, Marketplace, Medicare-related administrator, or official plan documents.

You are responsible for reviewing plan documents, Summary of Benefits, Evidence of Coverage, provider directories, formularies, notices, invoices, and official communications before making enrollment or coverage decisions.

6. Tax Preparation Services Disclaimer

Our tax preparation services are based on the documents, records, statements, and other information provided by the client. We rely on the accuracy, completeness, and timeliness of the information you provide.

You remain responsible for reviewing your tax return, confirming that all information is accurate and complete, providing required documentation, responding to questions, and meeting filing, payment, and documentation deadlines.

We do not guarantee any specific tax outcome, refund amount, credit, deduction, audit result, processing time, or government determination.

Certain uses or disclosures of tax return information may require your separate written consent. We may require secure intake, identity verification, signed authorizations, engagement documents, or other procedures before beginning or continuing tax preparation services.

7. Secure Submission of Sensitive Information

Please do not submit Social Security numbers, tax returns, W-2s, 1099s, government IDs, Medicare cards, medical records, or other sensitive documents through this general contact form. If sensitive information is needed, we will provide a secure method for submission.

The public contact form is intended for basic inquiries and appointment requests. If sensitive documents are needed, we will provide or direct you to an approved secure intake method.

We may delete, reject, or request resubmission of sensitive information sent through an unsecured or inappropriate channel.

8. Accuracy of Information

You are responsible for ensuring that all information, documents, and disclosures you provide to us are accurate, complete, current, and truthful.

If information changes after submission, you should notify us as soon as possible. We are not responsible for errors, delays, omissions, denials, penalties, lost subsidies, coverage issues, tax issues, or adverse outcomes caused by inaccurate, incomplete, outdated, late, or misleading client-provided information.

9. Third-Party Websites, Portals, and Providers

This website may contain links to third-party websites, tools, portals, social media platforms, carrier websites, government websites, scheduling tools, payment processors, tax software, enrollment platforms, or service providers for your convenience.

We do not control and are not responsible for the availability, content, privacy practices, terms, security, accuracy, or actions of third-party websites or platforms. Accessing or using third-party sites is at your own risk and may be subject to separate terms and privacy policies.

10. Intellectual Property

Unless otherwise stated, all website content, including text, design, layout, graphics, logos, branding, and other materials, is the property of MR Insurance Advisors LLC or is used with permission.

You may not reproduce, copy, distribute, modify, republish, display, or exploit website content for commercial purposes without prior written permission from MR Insurance Advisors LLC.

11. Privacy

Your use of this website is also subject to our Privacy Policy. By submitting information through the website, you acknowledge that we may collect, use, disclose, retain, and protect information as described in the Privacy Policy and any other applicable service-specific notices or consents.

If you check the required contact-consent box on a website form, you consent to be contacted by MR Insurance Advisors LLC by phone, email, or text message regarding your inquiry. Submitting a form does not enroll you in any plan and does not create an obligation to enroll.

If you separately check an optional marketing or SMS checkbox, you are providing additional consent for informational or marketing calls or text messages to the number you provided. Consent is not a condition of purchase, and message and data rates may apply.

12. Limitation of Liability

We do not guarantee any specific legal, tax, financial, insurance, Medicare, Marketplace, enrollment, subsidy, refund, or coverage outcome from the use of our website or services.

To the fullest extent permitted by law, MR Insurance Advisors LLC will not be liable for indirect, incidental, consequential, special, punitive, or similar damages arising out of or related to your use of the website, your inability to use the website, third-party platforms, or reliance on information provided through the website.

Nothing in these Terms is intended to limit liability in a way that is prohibited by applicable law.

13. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless MR Insurance Advisors LLC and its owners, employees, contractors, representatives, and service providers from claims, losses, liabilities, damages, costs, and expenses arising from your misuse of the website, violation of these Terms, submission of false or unauthorized information, or violation of the rights of another person.

14. Modifications to These Terms

We may update or modify these Terms and Conditions from time to time. Any updated version becomes effective when posted on the website unless otherwise stated.

When we make material changes, we will update the effective date and post the revised Terms on the website. If legally required or appropriate for active clients or active leads, we may provide additional notice by email, website notice, client portal, or another reasonable method.

Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms and Conditions.

15. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Florida, USA, without regard to conflict of law principles.

Any dispute arising out of or relating to this website or these Terms will be handled in the appropriate state or federal courts located in Florida, unless applicable law requires otherwise.

16. Contact Information

If you have questions about these Terms and Conditions, please contact us:

• MR Insurance Advisors LLC
• Tampa, Florida, USA
• Email: info@mrinsuranceadvisors.com
• Phone: 813-863-0382