Terms of Service
Last Updated: December 10, 2025
1. Introduction
These Terms of Service (“Terms”) govern your access to and use of the Bright Path Insurance website, tools, educational materials, and any services we provide.
By using our website or communicating with us, you agree to these Terms. If you do not agree, you must stop using our services.
Bright Path Insurance is an independent insurance agency and is not affiliated with Medicare, CMS, or any government program.
2. Use of Our Services
Eligibility & Information Accuracy
You agree that any information you provide—whether through forms, phone calls, or online tools—is accurate, complete, and current.
Some features may require an account or personal login details. You are responsible for maintaining the confidentiality of your credentials and for any activity conducted under your account.
Medicare Education & Enrollment Support
Our services include Medicare education and assistance in reviewing or enrolling in Medicare Advantage, Medicare Supplement, and Prescription Drug Plans.
However:
Eligibility is determined solely by Medicare, CMS, and insurance carriers
We cannot guarantee that information on this website is always error-free or up to date
Plan details may vary by carrier, county, or year
All final decisions regarding coverage, benefits, and enrollment are determined by official governing authorities.
3. Privacy & Security Privacy Policy
Your use of this website is subject to our Privacy Policy, which explains how your information is collected, stored, and used.
Using this site indicates your acceptance of those practices.
Security Measures
We use reasonable administrative, technical, and physical safeguards to protect your information.
However, no online system is completely secure.
You are responsible for safeguarding your personal login details and notifying us immediately of any unauthorized access.
4. Intellectual Property Rights
All website content—including text, graphics, logos, icons, images, software, layout, and design—is owned by Bright Path Insurance and protected by intellectual property laws.
You may not:
Copy, modify, reproduce, or distribute our content
Use our content for commercial purposes or resale
Exploit or reverse-engineer any part of the website
Without prior written permission.
5. Third-Party Tools & External Links
We may provide links or access to third-party platforms, such as:
Medicare.gov
Insurance carrier portals
Analytics tools
Scheduling or quoting systems
We are not responsible for the content, privacy practices, accuracy, or policies of any third-party site or tool.
You access these platforms at your own risk.
6. CMS-Required TPMO Disclaimer
As required by the Centers for Medicare & Medicaid Services (CMS):
“We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
7. No Guarantees, Warranties, or Legal Advice
Information on this site is educational. It is not legal, tax, financial, or medical advice.
We do not guarantee:
Eligibility for any Medicare plan
Enrollment approval
Accuracy or completeness of plan details
That the website will be error-free or uninterrupted
Use of our information is at your own discretion and risk.
8. Limitation of Liability
To the fullest extent permitted by law, Bright Path Insurance is not liable for any:
Direct, indirect, incidental, or consequential damages
Losses related to website use, inability to use the site, or reliance on information
Errors, omissions, outages, or inaccuracies in content
Issues caused by third-party tools or external links
Your sole remedy for dissatisfaction with the website is to discontinue its use.
9. Termination Rights
We may suspend, restrict, or terminate your access to our website or services:
If you violate these Terms
If required by law
For any reason necessary to protect our business or users
We may do so with or without notice.
10. SMS Messaging Terms (TCPA Compliance)
By submitting your phone number, you consent to receive calls or text messages from a licensed insurance agent, which may include automated dialing systems where permitted.
You may opt out at any time:
Text STOP to cancel SMS communications
Text HELP for assistance
Message and data rates may apply.
Consent to receive SMS messages is not a condition of purchasing any product or service.
11. Changes to These Terms
We may update or modify these Terms from time to time to reflect changes in law, compliance requirements, or business operations.
Revised Terms will be posted with a new “Last Updated” date.
Continued use of our website constitutes acceptance of the updated Terms.
12. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
Any disputes arising from website use or these Terms will be handled exclusively in Florida courts.