Carecoverage LLC

Terms of Service

Last Updated: June 23, 2026

These Terms of Service ("Terms") govern your access to and use of the website and services operated by Carecoverage LLC ("we," "us," or "our") at https://carecoveragellc.com. By accessing or using our site, you agree to be bound by these Terms. If you do not agree, do not use the site.

1. Services

Carecoverage LLC is a licensed independent insurance brokerage operating in the state of Florida. Our services include:

• Free insurance consultations and quote comparisons
• Brokering individual health, life, dental, vision, disability, and AD&D insurance plans
• Ongoing client service and claims assistance

All quotes provided are non-binding estimates. Final premiums are determined by the underwriting insurance carrier upon application.

2. SMS Communications

With your consent, Carecoverage LLC may use the mobile phone number you provide to send you SMS text messages related to your insurance inquiry, quote options, appointment scheduling, policy updates, and other service-related communications.

Message frequency varies. Message and data rates may apply.

• To opt out at any time, reply STOP to any message. You will receive one confirmation text upon successful opt-out.
• For help, reply HELP or contact us at bjorndyberg@carecoveragellc.com.
• Consent to receive SMS messages is not a condition of purchasing any goods or services.
• Carriers are not liable for any delayed or undelivered messages.

Opt-in Confirmation Message: Upon subscribing, you will receive a confirmation: "Carecoverage LLC: You're subscribed to receive insurance updates and follow-ups. Message frequency varies. Msg & data rates may apply. Reply HELP for help, STOP to cancel."

Opt-Out Confirmation: "You have been unsubscribed from Carecoverage LLC messages. No further messages will be sent. For help, contact bjorndyberg@carecoveragellc.com."

For full details on how we handle your SMS data, see our Privacy Policy at https://carecoveragellc.com/privacy-policy.

3. Supported Carriers

SMS services are supported across major US carriers including AT&T, T-Mobile, Verizon Wireless, Sprint, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, and regional carriers. T-Mobile is not liable for delayed or undelivered messages.

4. Eligibility

You must be at least 18 years of age to use our services. By accessing our site or submitting a form, you confirm you meet this requirement. Not all products are available in all states. Availability is subject to licensing and state regulations.

5. User Conduct

You agree not to use our website to:

• Conduct or facilitate illegal activity
• Transmit malicious code, viruses, or destructive files
• Harass, threaten, or impersonate others
• Send unsolicited commercial messages or spam
• Attempt to decompile, reverse engineer, or access source code
• Use automated systems to send excessive server requests

6. Intellectual Property

All content on this site, including text, graphics, logos, and design, is the property of Carecoverage LLC and is protected under US copyright and trademark law. You may not reproduce, distribute, or use any content without prior written consent.

7. Third-Party Insurance Products

Our site may reference or facilitate the purchase of insurance products from third-party carriers. Such products are subject to the terms and conditions of the issuing carrier. We are not responsible for carrier performance, claim outcomes, or coverage disputes beyond our broker obligations.

8. Disclaimer of Warranties

OUR SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE.

9. Limitation of Liability

IN NO EVENT SHALL CARECOVERAGE LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OUR SERVICES.

10. Indemnification

You agree to defend, indemnify, and hold harmless Carecoverage LLC and its officers, employees, and assigns from any claims, damages, or expenses (including legal fees) arising from your breach of these Terms or misuse of the site or services.

11. Privacy Policy

Your use of our services is also governed by our Privacy Policy, available at https://carecoveragellc.com/privacy-policy, which is incorporated into these Terms by reference.

12. Modifications

We reserve the right to modify these Terms at any time without prior notice. Changes take effect upon posting. Continued use of the site following any change constitutes your acceptance of the revised Terms.

13. Termination

We may suspend or terminate your access to the site at any time, for any reason, without notice or liability.

14. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Hillsborough County, Florida.

15. Contact Information

For questions about these Terms:
Carecoverage LLC
5701 E Hillsborough Ave Ste 1202, Tampa, FL 33610
Phone: (813) 683-4828
Email: bjorndyberg@carecoveragellc.com
Website: https://carecoveragellc.com