Terms & Conditions
This website is operated by Ricardo Chavatal, a licensed insurance agent. By accessing or using this website, you agree to the following Terms & Conditions.
No Government Affiliation
Ricardo Chavatal is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any state or federal Marketplace. This website is not an official government website.
Educational Information Only
The information provided on this website is for general educational and informational purposes only. It does not constitute legal, tax, medical, or financial advice. Coverage options, benefits, costs, and eligibility vary by individual circumstances, location, and insurer.
No Obligation or Guarantee of Coverage
Submitting information on this website does not guarantee eligibility, enrollment, coverage, approval, pricing, or benefits. All insurance products are subject to carrier underwriting, eligibility requirements, availability, and policy terms. No coverage is in effect unless approved by the insurance carrier and required premiums are paid.
Agent–Client Relationship
Submitting information through this website does not create an agent–client relationship. An agent–client relationship is established only after direct communication and mutual agreement between you and the licensed insurance agent.
Consent to Contact
By submitting your information through this website, you consent to be contacted by Ricardo Chavatal via phone call, text message, and/or email, including for marketing and insurance-related purposes. Consent is not a condition of purchase. Message and data rates may apply. You may opt out of communications at any time by replying STOP to text messages or following unsubscribe instructions in emails.
Privacy & Data Use
Your use of this website is also governed by our Privacy Policy, which explains how personal information is collected, used, and protected. By using this website, you agree to the terms of the Privacy Policy.
Limitation of Liability
To the fullest extent permitted by law, Ricardo Chavatal shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use of, or inability to use, this website or reliance on information provided herein.
Website Availability & Accuracy
This website is provided on an “as is” and “as available” basis. While we strive to keep information accurate and up to date, we make no representations or warranties regarding completeness, accuracy, or availability.
Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
Contact Information
If you have questions regarding these Terms & Conditions, you may contact:
Ricardo Chavatal
Licensed Insurance Agent
NPN: 19335308
Licensed in NJ, NY, PA, FL