Terms of Use
Last updated: June 2025
1. Agreement to Terms
By accessing and using this website ("Service") operated by Landel Insurance ("us", "we", or "our"), you agree to be bound by these Terms of Use ("Terms"). If you disagree with any part of these terms, then you may not access the Service.
2. Description of Service
Landel Insurance provides insurance brokerage services, including but not limited to health insurance, Medicare plans, and ancillary insurance products. We help consumers compare and purchase insurance plans from various carriers throughout Florida.
3. User Accounts and Information
When you create an account with us or provide personal information through our forms, you warrant that:
- All information you provide is true, accurate, current, and complete
- You will maintain the accuracy of such information
- You are at least 18 years of age or have parental consent
- You have the legal capacity to enter into these Terms
4. Communications and Consent
SMS/Text Messaging: By providing your phone number and checking the SMS consent box on our forms, you expressly consent to receive text messages from Landel Insurance and our authorized representatives. This includes:
- Marketing and promotional messages about insurance products
- Appointment reminders and follow-up communications
- Service-related notifications and updates
- Educational content about insurance topics
Message Frequency: Message frequency may vary. You may receive up to 10 messages per month.
Message and Data Rates: Standard message and data rates may apply based on your cellular plan.
Opt-Out: You can opt out of text messages at any time by replying "STOP" to any text message or by contacting us directly.
Phone Calls: By providing your phone number, you consent to receive calls from Landel Insurance and our authorized representatives regarding insurance products and services, even if your number is on the Do Not Call Registry.
Email Communications: By providing your email address, you consent to receive emails from us regarding insurance quotes, policy information, and promotional materials.
5. Acceptable Use
You agree not to use the Service:
- For any unlawful purpose or to solicit others to perform such acts
- To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
- To infringe upon or violate our intellectual property rights or the intellectual property rights of others
- To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
- To submit false or misleading information
- To upload or transmit viruses or any other type of malicious code
- To collect or track the personal information of others
- To spam, phish, pharm, pretext, spider, crawl, or scrape
6. Insurance Brokerage Services
No Guarantee of Coverage: We do not guarantee that you will qualify for any particular insurance plan or that any insurance company will accept your application.
Independent Contractor: We are independent insurance brokers and are not employees or agents of any insurance company.
Commissions: We may receive commissions from insurance companies for policies sold, which does not affect the premium you pay.
Licensed Agents: All insurance recommendations are made by licensed insurance agents in the state of Florida.
7. Intellectual Property Rights
The Service and its original content, features, and functionality are and will remain the exclusive property of Landel Insurance and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without our prior written consent.
8. User-Generated Content
Our Service may allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("Content"). You are responsible for the Content that you post to the Service, including its legality, reliability, and appropriateness.
9. Prohibited Uses
In addition to other restrictions as set forth herein, you are prohibited from using the site or its content:
- For any commercial use without our express written consent
- To engage in any automated use of the system
- To copy or adapt the site's software
- To decipher, decompile, disassemble or reverse engineer any software
- To attempt to bypass any security measures
10. Disclaimers and Limitation of Liability
No Warranties: The information on this website is provided on an "as is" basis. To the fullest extent permitted by law, Landel Insurance excludes all representations, warranties, conditions and other terms which might otherwise be implied by statute, common law or the law of equity.
Limitation of Liability: In no event shall Landel Insurance be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.
11. Privacy Policy
Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.
12. Termination
We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately.
13. Governing Law
These Terms shall be interpreted and governed by the laws of the State of Florida, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
14. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.
15. Contact Information
If you have any questions about these Terms of Use, please contact us at:
Landel Insurance
Address: 1 SE Ocean Blvd, Stuart, FL 34994
Email: info@landelinsurance.com
Phone: (772) 874-3224
Business Hours: Monday - Friday, 9:00 AM - 5:00 PM EST
16. Severability
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
17. Entire Agreement
These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.
