Terms of Service
Lifestyle Advisors, LLC
Effective Date: [Insert Date]
Last Updated: [Insert Date]
Welcome to lifestyle-advisors.com (the “Site”), owned and operated by Lifestyle Advisors, LLC (“Lifestyle Advisors,” “we,” “us,” or “our”). By accessing or using this Site, you agree to be bound by these Terms of Service (“Terms”). If you do not agree with these Terms, please do not use the Site.
1. Who We Are
Lifestyle Advisors, LLC is an independent health insurance brokerage licensed in Minnesota (License #40382775), California (License #4361005), and additional states, offering guidance on individual and family health insurance, Medicare, group employer benefits, medical cost-sharing programs, and related products.
2. Nature of Our Services
Lifestyle Advisors provides education, comparison, and brokerage services related to health insurance and related products. Please note:
- We are not the insurer. Any insurance policy, health-share membership, or plan you enroll in is a contract between you and the insurance carrier or organization offering that plan, not with Lifestyle Advisors.
- We do not offer every plan available in your area. Any information we provide is limited to the plans we are appointed to offer. For a full range of Medicare options, contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.
- Educational content is not medical, legal, or financial advice. Content on this Site, including blog posts and natural health resources, is provided for general educational purposes only and should not be treated as a substitute for professional medical, legal, or financial advice.
- No guarantee of eligibility, coverage, or subsidy amounts. Eligibility for insurance plans, subsidies, or tax credits is determined by the applicable marketplace, carrier, or government agency, not by Lifestyle Advisors.
3. Use of the Site
You agree to use the Site only for lawful purposes. You agree not to:
– Misrepresent your identity or provide false information through our forms
– Attempt to interfere with the proper functioning of the Site
– Use any content from the Site for unauthorized commercial purposes
4. Third-Party Links and Tools
Our Site contains links to third-party websites and tools, including but not limited to HealthSherpa, MNsure, BCBS Global Solutions, and HTH Travel Insurance. These third parties operate independently of Lifestyle Advisors, and we are not responsible for their content, accuracy, availability, or privacy practices. Use of any third-party site is subject to that site’s own terms and policies.
5. No Cost to You
As independent brokers, our compensation is generally paid by insurance carriers, not by you directly. Using our services to compare, select, or enroll in a plan does not typically cost you anything beyond the premium you would pay regardless of whether you worked with a broker.
6. Intellectual Property
All content on this Site, including text, graphics, logos, and images, is the property of Lifestyle Advisors, LLC or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from this content without our prior written permission.
7. Disclaimer of Warranties
The Site and its content are provided “as is” without warranties of any kind, express or implied. We do not warrant that the Site will be error-free, uninterrupted, or that any information provided is fully current or accurate at all times, including plan details, pricing, or availability, which can change based on carrier updates.
8. Limitation of Liability
To the fullest extent permitted by law, Lifestyle Advisors, LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on any information provided through it.
9. Governing Law
These Terms are governed by the laws of the State of Minnesota, without regard to its conflict of law principles.
10. Changes to These Terms
We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
11. Contact Us
Lifestyle Advisors, LLC
7900 International Drive, Suite 300 #3006
Bloomington, MN 55425
Phone: (952) 210-9456
Email: amy@lifestyle-advisors.com