These Terms of Service (“Terms”) govern your use of the website and services provided by Ronnie Financial Group LLC (“Company,” “we,” “our,” or “us”). By accessing our website, contacting us, or using our insurance brokerage services, you agree to these Terms. If you do not agree, you should not use our services.

1. Nature of Services

Ronnie Financial Group LLC is an independent insurance brokerage that helps clients explore, compare, and enroll in health, life, and Medicare insurance plans. We are not an insurance carrier, and we do not underwrite or issue insurance policies. Instead, we act as an intermediary between you and licensed insurance carriers to help you find coverage that fits your needs.

2. No Guarantee of Coverage

While we work diligently to match you with suitable insurance products, we do not guarantee approval for coverage or specific plan availability. All insurance applications are subject to the review and acceptance of the chosen carrier. Final decisions regarding coverage, premiums, and benefits rest solely with the insurance company.

3. Accuracy of Information

You agree to provide accurate, current, and complete information during inquiries, applications, or any communication with us. Providing false or incomplete information may result in delays, denial of coverage, or cancellation of services.

4. Client Responsibility

It is your responsibility to:

Review all insurance documents, policy terms, and coverage details before enrollment.

Pay all premiums directly to the insurance carrier in accordance with their billing terms.

Notify us promptly of any changes in your personal information that may affect your insurance coverage.

5. Limitation of Liability

Ronnie Financial Group LLC strives to provide accurate information and quality service. However:

We are not responsible for decisions made by insurance carriers regarding your eligibility, premiums, or claims.

We are not liable for errors, omissions, or delays caused by third-party insurance companies or service providers.

Our liability is limited to the maximum extent permitted by law and does not extend beyond the services we directly provide as a broker.

6. Compliance with Laws and Regulations

We comply with all applicable state and federal regulations, including HIPAA when handling protected health information (PHI). By using our services, you acknowledge and consent to the use of your information for purposes of obtaining and managing insurance coverage in compliance with these regulations.

7. Communications

By providing your contact information, you consent to receiving phone calls, emails, or text messages related to your insurance inquiries or services. Message and data rates may apply. You may opt out of non-essential communications at any time.

8. Website Use

Our website and its content are provided for informational purposes only. While we make every effort to keep information accurate and up-to-date, we do not guarantee that all details regarding insurance plans, carriers, or regulations are free of errors. Insurance offerings and availability may change without notice.

9. Intellectual Property

All content on our website, including text, graphics, logos, and design elements, is the property of Ronnie Financial Group LLC and may not be copied, distributed, or reproduced without our prior written consent.

10. Termination of Services

We reserve the right to refuse service, terminate consultations, or withdraw assistance if a client engages in fraudulent activity, provides false information, or violates these Terms.

11. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised “Last updated” date. Your continued use of our services constitutes acceptance of any changes.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law provisions.

Contact Us

If you have any questions about this Privacy Policy, HIPAA compliance, or how your personal information is handled, please contact us:

Ronnie Financial Group LLC
📧 Email: [email protected]
📞 Phone: (941) 267-2355