Our services are intended for individuals who are at least 18 years of age. Using our website or services confirms that you meet this eligibility requirement. If you are using our services on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.
We provide insurance-related services, including but not limited to providing insurance quotes, managing policies, and facilitating claims. All services we provide are subject to the availability and approval of the respective insurance provider and applicable U.S. state and federal laws.
We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated “Effective Date.” Continued use of our website or services after any such changes constitutes your acceptance of the updated Terms.
You agree not to use our website or services for any unlawful purpose or in any way that could damage, disable, overburden, or impair our servers or networks. Additionally, you agree not to:
Insurance quotes from our agency are estimates based on the information you provide. These estimates do not constitute binding contracts. The final terms of any insurance policy, including coverage, rates, and exclusions, are determined by the respective insurance provider and are subject to their approval process.
You are responsible for providing accurate and complete information when using our services. Failure to do so may result in denial of coverage or cancellation of your policy. We are not responsible for any consequences arising from your failure to provide accurate information.
Our website may include links to third-party websites for your convenience. These links do not imply endorsement of any third-party website, service, or content. We are not responsible for any linked sites' privacy practices or content.
We value your privacy and are committed to protecting your personal information. Please refer to our Privacy Policy for details on how we collect, use, and protect your data.
All content on our website, including but not limited to text, graphics, logos, and software, is owned by or licensed to [Insurance Agency Name] and is protected by U.S. intellectual property laws. You may not copy, reproduce, or distribute any content from our website without our express written permission.
Our services are provided “as is” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability or fitness for a particular purpose. We do not guarantee that our website will be error-free, uninterrupted, or free from viruses or other harmful components.
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of our website or services, including loss of data, revenue, or profits.
You agree to indemnify, defend, and hold harmless [Insurance Agency Name], its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorney fees, arising out of your use of our services or violation of these Terms.
We may terminate or suspend your access to our website or services at our sole discretion if we believe you have violated these Terms. Upon termination, you must immediately cease using our services and destroy any materials obtained from our website.
Any disputes arising out of or related to these Terms or our services shall be governed by the laws of the state of [State], without regard to its conflict of laws principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in [City], [State], to resolve any legal matters.
We shall not be liable for any delay or failure to perform our obligations under these Terms if such delay or failure results from events beyond our reasonable control, including natural disasters, pandemics, acts of government, or technical failures.
If you have any questions or concerns regarding these Terms, please contact us.
Disclosure:
"Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. Nothing on this website constitutes investment, legal or tax advice. Any historical performance data is solely illustrative and provided as general information and is not a prediction or any future results or any past results for any specific client of Foundations. This website and its contents do not make any recommendation that any particular security, portfolio of securities, transaction, investment or planning strategy is suitable for any specific person.
Personalized investment advice can only be rendered after the engagement of Foundations, execution of required documentation (including a client agreement), and receipt of required disclosures. Investments in securities involve the risk of loss, including a total loss of money invested. Any past performance is no guarantee of future results. Advisory services are only offered to clients or prospective clients where Foundations and its advisors are properly licensed or exempt from licensure; Foundations reserves the right to accept or reject any prospective client. For more information about us, please go to https://adviserinfo.sec.gov
BBB Disclosure:
"Better Business Bureau (“BBB”) ratings represent the BBB’s opinion of how a business is likely to interact with its customers. The BBB rating is based on information BBB is able to obtain about the business, including complaints received from the public. BBB seeks and uses information directly from businesses and from public data sources. BBB ratings are not a guarantee of a business’s reliability or performance, and the BBB’s inclusion of certain information in establishing a rating may include information that is inaccurate and/or BBB may omit information that is potentially relevant. BBB recommends that consumers consider a business’s BBB rating in addition to all other available information about the business. Andrew Henward has been a member of the BBB since 2025 and did not pay for the rating. Third party rankings and recognition from rating services and publications do not guarantee future investment success and should not be construed as a current or past endorsement or testimonial of Andrew Henward by any of its clients or that a client or prospective client will experience the same or a higher level of investment performance."
Google Reviews Disclosure:
"Posted Google ratings and reviews are as of 01/01/2026, based on the last 12 months and were solicited by our office from our clients. Google uses a proprietary algorithm to average the reviews together to determine an overall star rating. Google’s five-star rating is subjective and based on the client’s experience. Our firm does not provide any form of compensation to our clients for sharing their review and rating on Google services across the web. They are not edited in any way."
Medicare Disclosure:
