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Terms & Conditions

Last updated: August 1, 2025

1. Agreement to terms

By accessing or using https://www.summitadvisorypartners.com/, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the site.

2. Who we are and licensing

Summit Advisory Partners provides independent insurance advisory and brokerage services. We are licensed in many U.S. states. We are not an insurance carrier, and we are not a health care provider. We help you compare options and, when requested, submit applications to carriers or marketplaces.

3. Nature of advice

We provide insurance advisory and brokerage services to help you select coverage that fits your needs and budget. We do not provide medical diagnosis or treatment, legal advice, tax advice, investment advice, or financial planning. Content on the site is for general information. Decisions about care, taxes, or legal rights should be made with qualified professionals. Final plan eligibility, benefits, and premiums are determined by the carrier or marketplace.

4. Quotes and enrollments

  • Quotes are estimates based on the information you provide and carrier or marketplace data at that time.

  • Coverage is not effective until you complete all required steps and receive written confirmation from the carrier or marketplace.

  • Medically underwritten plans require truthful and complete answers. Misstatements can lead to changes, rescission, or denial of claims.

  • Plan availability varies by state and by carrier. Subsidies and eligibility rules may change and may require proof of income and current tax filings.

5. Your responsibilities

You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for safeguarding account credentials and for activity under your account.

6. Communications consent

By submitting your contact information, you consent to receive emails, calls, and texts about quotes, enrollment, and servicing. Consent is not a condition of purchase. You can opt out at any time as described in the Privacy Policy.

7. Intellectual property

All content, trademarks, and logos on the site are owned by us or our licensors and are protected by law. You may not copy, distribute, or create derivative works without permission.

8. Acceptable use

You may not use the site to violate laws, infringe rights, introduce malware, scrape or reverse engineer, or interfere with site security or operation.

9. Third-party services

The site may integrate with third-party tools such as analytics, form processors, and enrollment platforms. Your use of those services is subject to their terms and privacy policies.

10. Disclaimer of warranties

The site and its content are provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not promise uninterrupted or error-free operation.

11. Limitation of liability

To the maximum extent permitted by law, we will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or goodwill, arising from or related to your use of the site or services. Our total liability for any claim will not exceed the greater of one hundred dollars or the amount you paid to us for services that gave rise to the claim.

12. Indemnification

You agree to defend, indemnify, and hold harmless Summit Advisory Partners and our officers, employees, and agents from any claims, losses, liabilities, damages, and expenses arising from your use of the site or your breach of these Terms.

13. Changes to the site or terms

We may modify or discontinue any part of the site at any time. We may update these Terms. Continued use after changes means you accept the updated Terms.

14. Governing law and venue

These Terms are governed by the laws of the State of Florida without regard to conflict of law rules. You consent to exclusive jurisdiction and venue in and out of the state and federal courts.

15. Dispute resolution

Before filing any lawsuit, you agree to contact us first and allow 30 days to try to resolve the dispute informally. If unresolved, the dispute will be decided by the courts identified above. You waive any right to a jury trial to the extent permitted by law.

16. Compliance notices

  • Licensing: We are licensed in many U.S. states. Availability of plans and benefits varies by state and by carrier.

  • No guarantee of savings: Comparisons and illustrations are examples only. Eligibility, premiums, and benefits are set by carriers or marketplaces.

  • Do Not Call requests: We honor Do Not Call and email opt-out requests. See the Privacy Policy for how to opt out.

17. Termination

We may suspend or terminate your access to the site if we believe you have violated these Terms or applicable law.

18. Severability

If any provision is held invalid, the remaining provisions remain in full force and effect.

19. Entire agreement

These Terms and the Privacy Policy are the entire agreement between you and us regarding the site.

20. Contact

Questions about these Terms: info@summitadvisorypartners.com

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