Terms of Use

1. About Quinalha Insurance

Quinalha Insurance is a U.S.-licensed insurance agency that provides guidance and assistance to individuals and families in selecting insurance products, including but not limited to:

• Health insurance (Marketplace / ACA, private plans, Medicaid when applicable)
• Life insurance
• Disability insurance
• Supplemental insurance products

All content provided on this website is for informational and educational purposes only and does not constitute legal, medical, tax, or financial advice.

2. Acceptance of Terms

By using this website, submitting forms, or requesting information, you represent that you:

• Have read and understood these Terms of Use
• Agree to comply with all terms and conditions
• Are at least 18 years of age or have legal authorization to use this website

3. Permitted Use

You agree to use this website solely for lawful purposes, including requesting insurance information or accessing educational content.

You agree not to:

• Provide false or misleading information
• Use the site for fraudulent or unlawful activities
• Interfere with the operation or security of the website

4. Information and Content Disclaimer

All information on this website is provided "as is" and may be updated or modified at any time without notice.

Eligibility, pricing, and availability of insurance products depend on multiple factors, including but not limited to age, location, immigration status, and health history, and are subject to underwriting and approval by the insurance carrier.

5. Forms and Communication Consent

By submitting your information through this website, you expressly consent to being contacted by Quinalha Insurance or its authorized representatives via:

• Phone calls
• Email
• SMS or text messages
• WhatsApp or similar messaging platforms

Communications are limited to responding to inquiries, providing insurance information, and delivering requested services. You may opt out of communications at any time.

6. Limitation of Liability

Quinalha Insurance shall not be liable for any decisions made solely based on the information provided on this website.

No insurance coverage is effective unless and until a policy is issued and approved by the insurance carrier, in accordance with applicable terms and conditions.

7. Intellectual Property

All content on this website, including text, images, graphics, logos, and design elements, is the exclusive property of Quinalha Insurance or its licensors.

Unauthorized reproduction, distribution, or commercial use of any content is strictly prohibited without prior written consent.

8. Privacy

Your use of this website is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. We encourage you to review it carefully.

9. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

Any disputes arising from or related to the use of this website shall be resolved exclusively in the state or federal courts located in Florida.

10. Contact Information

If you have any questions regarding these Terms of Use, please contact us:

Email: quinalhaconsulting@gmail.com

Phone / WhatsApp: +1 (689) 203-3233