Terms & conditions

Terms and Conditions of Service

Effective Date: August 11, 2025
Last Updated: August 11, 2025

Agreement to Terms

By using the Simple Start Insurance website (simplestart.co) or our services, you agree to these Terms and Conditions. If you do not agree with these terms, please do not use our services. These terms constitute a legally binding agreement between you and Simple Start Insurance.

About Our Services

Simple Start Insurance provides licensed insurance brokerage services including:
– Health insurance quotes and comparisons
– Enrollment assistance for individual and group plans
– Medicare insurance guidance and enrollment
– Policy management and ongoing support
– Educational resources and consultation services

We Are Your Advocate: As licensed insurance brokers, we work for you, not for insurance companies.

Service Areas: Our services are available to residents of states where we maintain active insurance licenses. Current service areas are listed on our Disclosures page and are subject to change based on licensing status.

Your Responsibilities

Accurate Information: You must provide complete, accurate, and truthful information for all quotes and applications. This includes:
– Personal and family information
– Health history and current medical conditions
– Financial information including income and household size
– Employment details and benefits eligibility

Consequences of Inaccurate Information:
– Incorrect premium quotes
– Application delays or denials
– Policy cancellations or claim denials
– Potential legal consequences for fraud

Timely Communication: You agree to promptly notify us of:
– Changes in circumstances affecting your coverage needs
– Changes in address, phone, or email contact information
– Questions or concerns about your coverage or policies
– Life events affecting your insurance (marriage, birth, job change, etc.)

Premium Payments: You are responsible for:
– Paying premiums directly to insurance carriers according to policy terms
– Understanding payment due dates and grace periods
– Maintaining continuous coverage to avoid penalties

Our Responsibilities

Professional Standards: We commit to:
– Maintain all required professional licenses in good standing
– Act in your best interests as your insurance broker
– Provide accurate information to the best of our knowledge and ability
– Maintain strict confidentiality of your personal and health information
– Comply with all applicable federal and state laws and regulations

Disclosure Obligations: We will always disclose:
– Our compensation arrangements with insurance carriers
– Any potential conflicts of interest
– Limitations of our services and expertise
– Alternative options when appropriate for your situation

Professional Licensing: Our agents maintain current licenses in:
– Florida (Primary): Andrew Harris (W728934), Jasmine (W681639)
– Additional states as listed in our Disclosures page
– All licenses subject to renewal requirements and regulatory compliance

Limitations of Service

We Are Not:
– Attorneys providing legal advice
– Tax advisors providing tax consultation
– Financial planners (unless separately licensed)
– Insurance carriers or underwriters
– Medical professionals providing health advice

We Cannot:
– Guarantee insurance approval or coverage
– Control insurance carrier underwriting decisions
– Override policy terms and conditions set by carriers
– Provide medical advice or treatment recommendations
– Guarantee specific premium rates or coverage terms

Service Limitations:
– Services only available in states where we are licensed
– Subject to carrier appointments and product availability
– Limited to products and services we are authorized to sell

Intellectual Property

Website Content: All content on simplestart.co is owned by Simple Start Insurance or our licensors and is protected by federal copyright laws.

Permitted Use: You may:
– View and print content for your personal, non-commercial use
– Share our content with proper attribution to Simple Start Insurance
– Reference our educational materials with appropriate credit

Prohibited Use: You may not:
– Reproduce content for commercial purposes without written permission
– Modify, adapt, or create derivative works from our content
– Remove copyright notices or proprietary markings
– Use automated systems to scrape or download our content
– Impersonate Simple Start Insurance or our agents

Privacy and Data Protection

Your privacy is governed by our Privacy Policy, which is incorporated by reference into these Terms. By using our services, you agree to our data collection, use, and sharing practices as described in our Privacy Policy.

Liability and Disclaimers

Professional Liability: Our liability is limited to our professional liability insurance coverage ($1,000,000 per occurrence).

Market Conditions Disclaimer: We are not liable for:
– Changes in insurance market conditions beyond our control
– Insurance carrier policy changes, cancellations, or rate increases
– Government regulatory changes affecting coverage or costs
– Economic factors affecting insurance availability or pricing

Website Disclaimer: Our website is provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Force Majeure: We are not liable for delays or failures in performance resulting from circumstances beyond our reasonable control, including natural disasters, government actions, internet outages, or carrier system failures.

Dispute Resolution

Governing Law: These terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

Dispute Resolution Process:
1. Direct Resolution: Contact us first to attempt resolution (support@simplestartinsurance.com or +1 786-730-9658)
2. Mediation: If direct resolution fails, disputes will be resolved through binding mediation
3. Arbitration: If mediation is unsuccessful, binding arbitration will be used under Florida Arbitration Code
4. Jurisdiction: Any legal proceedings must be brought in the state or federal courts of Miami-Dade County, Florida

Class Action Waiver: You agree to resolve disputes individually and waive the right to participate in class action lawsuits.

Termination

Termination by You: You may terminate our services at any time by providing written notice via email or mail.

Termination by Us: We may terminate our services with 30 days written notice, except in cases of:
– Fraud, misrepresentation, or material misstatement
– Violation of these terms of service
– Loss of required professional licenses
– Regulatory restrictions on our services

Effect of Termination:
– Your ongoing insurance policy obligations continue with the carriers
– We will provide reasonable assistance with transition to new representation
– Our confidentiality obligations survive termination indefinitely
– You remain responsible for any outstanding obligations

Indemnification

You agree to indemnify and hold Simple Start Insurance harmless from any claims, losses, or damages arising from:
– Your use of our website or services
– Your violation of these terms
– Your violation of any third-party rights
– Inaccurate information you provide to us or insurance carriers

Changes to Terms

We may update these terms periodically to reflect changes in our services or applicable laws. Material changes will be communicated through:
– Email notification to your registered email address
– Prominent notice on our website
– Updated effective date at the top of these terms

Continued use of our services after changes constitutes acceptance of the updated terms.

Severability

If any provision of these terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Disclosures, constitute the entire agreement between you and Simple Start Insurance regarding our services.

Contact Information

For questions about these terms or our services:

Simple Start Insurance
Phone: +1 786-730-9658
Email: support@simplestartinsurance.com
Website: https://simplestart.co
Mailing Address: 18495 S Dixie Hwy 266, Cutler Ridge, FL 33157