Terms of Service

Last updated: January 15, 2025

These terms of service ("Terms") govern your use of the Millennial Insurance Group Corp website and services. By using our website or services, you agree to be bound by these Terms.

Who We Are

Business: Millennial Insurance Group Corp is a licensed insurance agency with agents serving families across the United States. We specialize in health and life insurance solutions with bilingual support in English and Spanish.

Informational Use Only

No Professional Advice

The content on our website is for general informational purposes only and does not constitute:

• Legal, tax, or medical advice
• Professional recommendations specific to your situation
• Guaranteed insurance coverage or pricing

Non-Binding Quotes

Insurance quotes provided through our website are estimates only and are not binding offers. Final eligibility, premiums, and coverage terms are determined by insurance carriers and underwriters based on complete applications and underwriting review.

Eligibility and User Responsibilities

Accurate Information

By using our services, you agree to:

• Provide accurate, complete, and current information
• Update information as needed to maintain accuracy
• Not misrepresent your identity or circumstances

Lawful Use

You agree not to:

• Use our website for any illegal or unauthorized purpose
• Attempt to disrupt or interfere with website functionality
• Access or attempt to access restricted areas of the site
• Use automated tools to scrape or harvest data from our site

Account Security

If you create an account with us, you are responsible for:

• Safeguarding your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use

Intellectual Property

Ownership

All website content, including text, graphics, logos, trademarks, and software, is owned by Millennial Insurance Group Corp or licensed to us. This content is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive license to:

• View and print website content for personal, non-commercial use
• Use our services as intended

You may not reproduce, distribute, modify, or create derivative works without our written permission.

Third-Party Links and Services

Outbound Links

Our website may contain links to third-party websites. We are not responsible for:

• The content, policies, or practices of third-party sites
• Any damages or losses from your use of third-party sites

Insurance Carriers and Partners

When you proceed with insurance applications through our partners, their terms and conditions will apply in addition to these Terms.

Disclaimers

As-Is/As-Available Basis

Our website and services are provided on an "as-is" and "as-available" basis. We do not guarantee:

• Uninterrupted or error-free operation
• Accuracy or completeness of information
• That the site will meet your specific requirements

No Warranties

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement

Limitation of Liability

Indirect Damages

We are not liable for any indirect, incidental, special, consequential, or punitive damages, including:

• Lost profits or revenue
• Data loss or corruption
• Business interruption

Liability Cap

To the extent permitted by law, our total liability related to your use of our website or services is limited to $100.

Indemnification

You agree to defend, indemnify, and hold harmless Millennial Insurance Group Corp, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use or misuse of our website or services
• Your violation of these Terms
• Your violation of any third-party rights

Governing Law and Venue

Florida Law

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

Venue

Any legal disputes will be resolved in the courts of Miami-Dade County, Florida, unless preempted by federal law or jurisdiction.

Changes to Terms

We may update these Terms from time to time. When we make material changes, we will:

• Post the updated Terms on this page
• Update the "Last updated" date
• Provide notice of significant changes where required by law

Your continued use of our website after changes constitutes acceptance of the updated Terms.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Millennial Insurance Group Corp regarding your use of our website and services.