Terms of Use

Welcome to PINE GUARD INSURANCE (“PINE GUARD INSURANCE,” “we,” “our,” or “us”). By accessing or using this website (the “Site”), you agree to comply with and are bound by these Terms of Use. If you do not agree to these Terms, please do not use this Site.

These Terms of Use apply to all visitors, users, and others who access or use the Site, including any forms, tools, or interactive features.

Use of This Site

  • The Site provides information about Medicare Advantage, Medicare Supplement, Medicare Part D, ACA plans, and other insurance products.
  • All content is for informational purposes only and does not constitute an endorsement, recommendation, or solicitation of any particular plan or carrier.
  • Enrollment, quoting, and application for insurance products occur through licensed carriers or CMS-approved platforms. PINE GUARD INSURANCE does not directly collect full protected health information (PHI) through this website.

Intellectual Property

  • All content on the Site, including text, images, graphics, and logos, are owned by PINE GUARD INSURANCE or its licensors.
  • You may not reproduce, distribute, or create derivative works from the content without prior written permission.

Third-Party Links

  • The Site may contain links to third-party websites. PINE GUARD INSURANCE does not control or endorse any third-party sites and is not responsible for their content, privacy policies, or practices.
  • Users are encouraged to review the terms and privacy policies of any third-party websites they visit.

Consent to Communications

By providing your name, contact information, or submitting forms on this Site, you consent to:

  • Receive calls, texts, or emails from PINE GUARD INSURANCE, including automated or prerecorded messages, regarding insurance products and services. This includes SMS messages for conversations, appointment reminders, and policy updates.
  • Message frequency varies.
  • Message and data rates may apply.
  • To opt out at any time, text STOP.
  • For assistance, text HELP to (813) 679-1910 or email info@pineguardinsurance.com.
  • Consent is not a condition of enrollment and may be revoked at any time. View our Privacy Policy for more details.

Disclaimers and Limitation of Liability

  • The Site and all content are provided “as is” and “as available” without warranties of any kind.
  • PINE GUARD INSURANCE does not guarantee the accuracy, completeness, or timeliness of information.
  • PINE GUARD INSURANCE and its affiliates are not liable for any damage or losses arising from use of the Site or reliance on its content.
  • We do not offer every plan available in your area. For complete Medicare options, please visit Medicare.gov or call 1-800-MEDICARE.

Governing Law

These Terms of Use are governed by the laws of the United States and, where applicable, by the laws of the state in which PINE GUARD INSURANCE is licensed, without regard to conflict of law principles.

Termination

  • We may suspend or terminate access to the Site at any time, without notice, for any reason including violations of these Terms.
  • All provisions that by their nature should survive termination (ownership, disclaimers, limitations of liability) will remain in effect.

Changes to Terms

  • PINE GUARD INSURANCE reserves the right to modify these Terms at any time.
  • Material changes will be reflected in the “Last Updated” date.
  • Continued use of the Site after changes constitutes acceptance of the revised Terms.

Contact Information

For questions regarding these Terms of Use, please contact:

PINE GUARD INSURANCE LLC
Email: info@pineguardinsurance.com
Phone: (813) 679-1910
Tampa, Fl

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