Note: this is starter terms-of-service language carried forward from the site rebuild. Please have it reviewed by an attorney before launch, since it covers licensed insurance activity, third-party carrier applications, and the GoHighLevel/LeadConnector integration used on this site.
These Terms of Service (“Terms”) govern your use of this website, operated by The Modern Insurance Store (“we,” “us,” or “our”). By using this site, you agree to these Terms. If you don’t agree, please don’t use the site.
This Site Is Informational, Not a Binding Offer
The content on this site — including descriptions of Medicare, health, and life insurance products — is provided for general educational purposes only. Nothing on this site constitutes an offer of insurance, a binding quote, or a guarantee of coverage, eligibility, or pricing. Actual coverage, premiums, and eligibility depend on the specific insurance carrier, your application, underwriting (where applicable), and the plans actually available in your area at the time you enroll.
We’re Not a Government Agency
The Modern Insurance Store is an independent insurance agency. We are not connected with or endorsed by the United States government or the federal Medicare program. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE.
Not Professional Legal, Tax, or Financial Advice
Information on this site about topics like IRMAA, Medicaid, long-term care planning, or annuities is general in nature and isn’t a substitute for advice from a licensed attorney, accountant, or financial advisor about your specific situation. We encourage you to consult the appropriate professional before making decisions that depend on your individual legal, tax, or financial circumstances.
Accuracy of Information
We try to keep this site accurate and current, but insurance rules, premiums, and plan details change — sometimes annually, sometimes mid-year. We don’t guarantee that every figure or detail on this site is current at the moment you’re reading it. Always confirm specific numbers and plan details with us directly or with the carrier before making a decision.
Intellectual Property
The text, graphics, logos, and other content on this site belong to The Modern Insurance Store or our licensors, unless otherwise noted. You’re welcome to read and share pages from this site, but please don’t copy, republish, or reuse our content commercially without asking us first.
Third-Party Links and Carriers
This site may link to or reference third-party websites, including insurance carriers and Medicare.gov. We don’t control those sites and aren’t responsible for their content, accuracy, or privacy practices. Visiting a linked site is at your own discretion.
Disclaimer of Warranties
This site is provided “as is,” without warranties of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose. We don’t guarantee the site will be error-free, secure, or uninterrupted at all times.
Limitation of Liability
To the fullest extent permitted by law, The Modern Insurance Store isn’t liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on its content. Nothing here limits any liability that can’t legally be limited under Ohio or federal law.
Governing Law
These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles.
Changes to These Terms
We may update these Terms from time to time. Continued use of the site after changes are posted means you accept the updated Terms.
Contact Us
Questions about these Terms? Contact us at (513) 466-0209 or 424 W Plane Street, Bethel, OH 45106.