Terms of Service

Welcome to Huntington Insurance Advisors ("we," "our," "us"). By accessing or using our website or related services, you agree to these Terms of Service ("Terms"). Please read them carefully before using our site or submitting any personal information.

1. Nature of Our Service

Huntington Insurance Advisors is an independent insurance advisory and enrollment support service based in Florida. We provide educational information and assistance to help individuals, families, and small businesses compare and enroll in health insurance coverage.

2. Eligibility and Acceptable Use

By using this website, you confirm that:

• You are at least 18 years old (or have parental consent if younger)
• You reside in the United States, specifically Florida for coverage options
• You will provide accurate and truthful information
• You will not misuse this website or attempt to disrupt, damage, or gain unauthorized access to it

3. Our Services Include

• Plan Comparison: Side-by-side analysis of coverage options from multiple insurers
• Network Verification: Confirmation of doctor and hospital availability
• Subsidy Screening: Identification of potential tax credits and assistance programs
• Enrollment Support: Assistance with paperwork and application processes
• Ongoing Reviews: Annual check-ins to ensure continued coverage alignment

4. No Medical or Legal Advice

The information provided on this site or through our advisors is for general educational purposes only. It does not constitute:

• Medical advice or diagnosis
• Legal advice or representation
• Financial planning or investment advice
• A substitute for consultation with licensed professionals

Always consult a licensed healthcare provider, attorney, or financial advisor regarding specific medical, legal, or financial questions.

5. Information Accuracy

While we strive to keep plan information, pricing, and availability accurate and up to date:

• Rates, networks, and eligibility requirements may change without notice
• Plan summaries are informational and do not guarantee enrollment or coverage
• You are responsible for verifying details directly with insurers or marketplaces
• Always review official policy documents before making final decisions

6. Privacy and Data Use

Your information is collected only when voluntarily provided (e.g., through contact or intake forms). We use this information solely to:

• Offer personalized coverage guidance
• Match you with appropriate insurance options
• Communicate updates related to your inquiry
• Comply with legal obligations

For complete details, please review our Privacy Policy.

7. Communications Consent

By submitting your contact information through our forms, you consent to receive communications from Huntington Insurance Advisors via:

• Phone calls (including autodialed or pre-recorded messages)
• Text messages (SMS)
• Email correspondence

Message and data rates may apply. You may opt out at any time by replying "STOP" to text messages or emailing info@huntingtoninsurance.com.

8. Compensation Disclosure

We may receive compensation from insurance companies when you enroll in coverage through our assistance. This compensation does not affect the premiums you pay—rates are set by insurers and regulated by state and federal authorities.

9. Limitation of Liability

To the fullest extent permitted by law, Huntington Insurance Advisors and its affiliates shall not be liable for any:

• Indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from use of this site or reliance on its information
• Coverage denials, premium increases, or policy changes by insurers

10. Third-Party Links and Services

Our website may include links to third-party websites, marketplaces, or services such as healthcare.gov, medicare.gov, or insurer websites. We are not responsible for:

• The content, accuracy, or availability of external sites
• Privacy practices of third-party services
• Actions or policies of linked organizations

11. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Huntington Insurance Advisors or its licensors and is protected by copyright and trademark laws. You may not copy, reproduce, or distribute content without written permission.

12. Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. We are not liable for any modification, suspension, or discontinuation.

13. Updates to These Terms

We may update these Terms periodically to reflect new laws, regulations, or operational changes. Revised versions will include an updated "Effective Date" at the top and take effect immediately upon posting. Continued use of the site constitutes acceptance of updated terms.

14. Governing Law

These Terms are governed by the laws of the State of Florida and applicable federal laws, without regard to conflict of law principles. Any disputes shall be resolved in the appropriate courts located in Orange County, Florida.

15. Contact Us

If you have questions about these Terms or your interactions with Huntington Insurance Advisors:

• Email: info@huntingtoninsurance.com
• Mail: Huntington Insurance Advisors, Orlando, FL