Effective Date: [Insert Date]
These Terms of Service ("Terms") govern your use of services provided by Michelle Emsweller, a Licensed Health and Medicare Insurance Agent. By using our services, you agree to these Terms.
You must be at least 18 years old to use our services.
We offer health insurance, Medicare Advantage, Medigap, and ACA enrollment services.
We assist in enrollment, but insurance companies determine final approval and rates.
We are compensated by insurance companies. You pay nothing extra.
You agree to provide accurate and complete information.
We may update these Terms at any time. Continued use constitutes acceptance.
We are not liable for indirect damages. Total liability is limited to fees paid (if any).
These Terms are governed by the laws of your state of licensure.