Terms & Conditions

Welcome to Janowski Insurance Services. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing our website or using our services, you agree to be bound by these Terms.

1. About Our Services

Insurance Agency Services

Janowski Insurance Services is a licensed insurance agency that provides:

• Medicare insurance plan comparisons and recommendations
• Insurance application assistance and enrollment services
• Ongoing customer support and plan management
• Educational resources about Medicare and insurance options
• AI-powered Medicare intelligence and analysis tools

Licensing and Compliance

We are licensed to sell insurance products in Virginia and comply with all applicable state and federal regulations, including Medicare regulations and HIPAA requirements.

2. Use of Our Website and Services

Permitted Use

You may use our website and services for:

• Researching Medicare and insurance options
• Requesting quotes and plan comparisons
• Applying for insurance coverage with our assistance
• Accessing educational materials and resources
• Communicating with our licensed agents

Prohibited Use

You may not:

• Use our services for any illegal or unauthorized purpose
• Provide false or misleading information
• Attempt to breach our security measures
• Copy, reproduce, or distribute our proprietary content
• Use automated systems to access our website without permission

3. Information Accuracy and Responsibility

Your Information

You are responsible for providing accurate, complete, and current information when using our services. Inaccurate information may affect:

• The accuracy of insurance quotes and recommendations
• Your eligibility for certain insurance plans
• The processing of your insurance applications
• Your coverage and benefits under insurance policies

Our Information

While we strive to provide accurate and up-to-date information, Medicare rules and insurance plans change frequently. We make no warranties about the completeness or accuracy of information on our website and recommend verifying details with insurance companies or Medicare.gov.

4. Insurance Products and Enrollment

Product Representation

We represent multiple insurance companies but do not represent every plan available in your area. Our recommendations are based on the products we offer and your stated needs and preferences.

Enrollment Process

Insurance enrollment is subject to:

• Medicare enrollment periods and deadlines
• Insurance company underwriting and approval
• Verification of eligibility and information
• Completion of required applications and documentation

No Guarantee of Coverage

We cannot guarantee that any insurance company will accept your application or provide coverage. Final decisions rest with the insurance companies.

5. Fees and Compensation

No Direct Fees

We typically do not charge consumers direct fees for our services. Instead, we receive compensation from insurance companies when you enroll in their plans.

Compensation Disclosure

Our compensation may vary by insurance company and product, which could influence our recommendations. We are committed to recommending products that meet your needs regardless of compensation levels.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

7. Intellectual Property

All content on our website, including text, graphics, logos, and software, is our property or licensed to us. You may not use our intellectual property without written permission.

8. Disclaimers and Limitations

Service Availability

We provide services on an "as-is" basis and cannot guarantee uninterrupted access to our website or services.

Third-Party Content

Our website may contain links to third-party websites or reference third-party information. We are not responsible for the content, accuracy, or practices of third parties.

Limitation of Liability

To the maximum extent permitted by law, Janowski Insurance Services shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

9. Medicare Regulations and Compliance

Fair Marketing Standards

We comply with Medicare marketing regulations and fair marketing standards. We do not engage in discriminatory practices and provide equal service to all eligible consumers.

10. Termination

Either party may terminate our service relationship at any time. Termination does not affect existing insurance policies or ongoing obligations to insurance companies.

11. Changes to Terms

We may update these Terms from time to time to reflect changes in our services or legal requirements. Updated Terms will be posted on our website with a new "Last Updated" date.

12. Governing Law

These Terms are governed by the laws of Virginia, without regard to conflict of law principles.

13. Dispute Resolution

Any disputes arising from these Terms or our services will be resolved through:

• Good faith negotiation between the parties
• Mediation if negotiation is unsuccessful
• Binding arbitration if mediation fails
• Court proceedings only as a last resort

14. Severability

If any part of these Terms is found to be invalid or unenforceable, the remaining portions will continue in full force and effect.