Terms of Use
Last updated: July 7, 2026
1. Acceptance of These Terms
This website is operated by Matthew Smith, a licensed insurance producer (NPN 20816305). By accessing or using this website, you agree to be bound by these Terms of Use and by the Privacy Policy. If you do not agree with any part of these terms, please do not use the site.
2. Informational Purposes Only
The content on this website is provided for general informational and educational purposes only. It does not constitute insurance, financial, investment, legal, or tax advice, and it should not be relied upon as a substitute for advice from a qualified professional who understands your individual circumstances. Product descriptions are summaries only; the actual terms of any insurance product are governed exclusively by the policy documents issued by the insurance carrier.
3. No Offer or Solicitation
Nothing on this website is an offer to sell insurance, a solicitation to buy insurance, or a recommendation of any specific product. No insurance coverage is offered, applied for, or bound through this website. Coverage can only be obtained through a completed application accepted by an insurance carrier. Nothing on this site is a solicitation of insurance in any state where Matthew Smith does not hold an active license.
4. No Guarantee of Coverage or Rates
Availability of products, coverage amounts, riders, and premium rates varies by state, carrier, and applicant, and is subject to each carrier's underwriting approval. No guarantee is made that any particular coverage, rate, or outcome will be available to you. Any guarantees associated with an insurance product are backed solely by the financial strength and claims-paying ability of the issuing insurance company.
5. Third-Party Websites
This site contains links to third-party websites, including state insurance department license-verification pages. Those sites are not under the control of Matthew Smith, and no responsibility is assumed for their content, accuracy, or privacy practices. A link does not imply endorsement.
6. Intellectual Property
The content of this website, including text and images, is the property of Matthew Smith or its licensors and is protected by applicable intellectual property laws. Carrier names and logos are trademarks of their respective owners and are used to identify the carriers whose products may be available; their use does not imply sponsorship or endorsement of this website by any carrier. You may view and print pages for your personal, non-commercial use only.
7. Acceptable Use
You agree not to misuse this website, including by attempting to gain unauthorized access to it, interfering with its operation, submitting false or misleading information through the contact form, or using the site for any unlawful purpose.
8. Disclaimer of Warranties
This website and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. While reasonable efforts are made to keep the information current, no representation is made that the content is error-free or up to date.
9. Limitation of Liability
To the fullest extent permitted by law, Matthew Smith shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, this website or its content, even if advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
10. Not Affiliated with Any Government Agency
This website and Matthew Smith are not affiliated with, connected to, or endorsed by the United States government, Medicare, or any state or federal agency.
11. Governing Law
These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute arising out of these terms or your use of this website shall be brought exclusively in the state or federal courts located in Florida.
12. Changes to These Terms
These terms may be updated from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of the site after changes are posted constitutes acceptance of the revised terms.
13. Contact
Questions about these terms? Contactmatt@smithcoverage.com.