Terms of Service

1. Acceptance of Terms

By accessing or using this website or our services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use this website or submit information through it.

2. Scope of Services

Yanda Insurance Financial INC provides insurance education, consultation, quote assistance, enrollment support, and policy servicing support for products such as ACA health coverage and life insurance including IUL products.

We are an independent insurance agency and may present options from multiple carriers. Final underwriting, eligibility, benefits, and policy terms are determined by the issuing carrier or plan administrator.

3. No Guarantee of Coverage or Savings

Information on this website is for general informational purposes only and does not constitute a binding offer of insurance.

Coverage approval, effective dates, premium amounts, subsidies, and benefits are not guaranteed and depend on carrier rules, plan availability, underwriting, and applicable law.

4. User Responsibilities

• Provide accurate, complete, and current information when requesting quotes, consultations, or enrollment support.
• Review all carrier applications, disclosures, and policy documents before submission or acceptance.
• Promptly notify us of changes that may affect eligibility, premiums, subsidies, or coverage.
• Use this website only for lawful purposes and in compliance with applicable laws and regulations.

5. Communications Consent

By submitting your contact information, you consent to receive service-related calls, texts, and emails from us regarding your inquiry, quote, enrollment, or policy servicing.

Message and data rates may apply for text messages. You can opt out of marketing communications at any time, including by replying STOP to SMS where supported.

6. Regulatory and Compliance Context

Our operations are subject to applicable federal and Florida insurance and privacy requirements. Where health-related information is involved, carrier and provider notices may apply in addition to our website policies.

7. Third-Party Carriers and Platforms

Our website and services may involve third-party carrier portals, enrollment tools, and service providers. We are not responsible for the availability, content, or practices of third-party sites or systems.

8. Compensation Disclosure

As is customary in the insurance industry, we may receive compensation from insurance carriers or related entities in connection with policies sold or serviced. Such compensation does not change your right to review and select any available plan that fits your needs.

9. Intellectual Property

All content on this website, including text, branding, graphics, and layout, is owned by Yanda Insurance Financial INC or used with permission and is protected by applicable law.

You may view and print material for personal, non-commercial use only. You may not reproduce, modify, distribute, or exploit content without prior written permission.

10. Disclaimer of Warranties

This website and its content are provided on an as-is and as-available basis. To the fullest extent permitted by law, we disclaim warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

To the fullest extent permitted by law, Yanda Insurance Financial INC and its officers, employees, and affiliates will not be liable for indirect, incidental, consequential, special, or punitive damages arising from use of this website or reliance on its content.

If liability is established where limitation is permitted, total liability will be limited to the amount you paid directly to us for the specific service at issue, if any.

12. Indemnification

You agree to indemnify and hold harmless Yanda Insurance Financial INC from claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your misuse of the website, violation of these terms, or violation of applicable law.

13. Governing Law and Venue

These Terms of Service are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute relating to these terms or your use of this website will be brought in courts of competent jurisdiction located in Florida, unless otherwise required by law.

14. Changes to These Terms

We may update these Terms of Service from time to time. Updated terms will be posted on this page with a revised effective date. Continued use after updates constitutes acceptance of the revised terms.

15. Contact Us

For questions about these Terms of Service, contact us using the details below.

16. Legal Notice

These Terms of Service are provided for general informational purposes and do not constitute legal advice. Consult qualified legal counsel for advice specific to your situation.