Terms of Service

These Terms of Service (“Terms”) govern your use of the website, digital platforms, insurance inquiry forms, and related services operated by The Prestige Advisor LLC.

By accessing our website or using our services, you agree to these Terms to the extent permitted by applicable law.

If you disagree with these Terms, please discontinue use of the website.

The Prestige Advisor LLC provides insurance brokerage, consultation, and enrollment assistance services.

Available services may include:

• Individual and family health insurance.
• Term, whole, and universal life insurance.
• Dental and vision coverage.
• Supplemental health insurance.
• Medicare-related products, where authorized.
• Small-business and employer-sponsored insurance.
• Insurance consultation and policy servicing.

Products and services are subject to carrier availability, underwriting requirements, applicable laws, and state licensing.

The Prestige Advisor LLC acts as an insurance intermediary and does not itself issue or underwrite insurance policies.

All insurance policies are issued by their respective insurance carriers.

Carrier terms, policy exclusions, premium requirements, underwriting decisions, eligibility determinations, and coverage conditions govern the insurance products offered.

Our representatives may receive commissions or other compensation from insurance carriers or authorized distribution partners.

Any direct consumer fees will be disclosed where required by law.

Requesting an insurance quote, completing an online form, communicating with a representative, or submitting an application does not guarantee coverage.

Insurance coverage becomes effective only in accordance with the issuing carrier's approval, payment, enrollment, and policy requirements.

Quotes are estimates unless otherwise specified and may change.

You agree to provide accurate and complete information when requesting services.

You are responsible for reviewing insurance applications, confirming relevant details, and notifying us or the carrier of material inaccuracies.

False, misleading, or incomplete information may affect eligibility, premiums, policy issuance, or claims.

The Prestige Advisor LLC uses automated CRM systems to manage consumer inquiries and provide authorized communications.

Where applicable law requires consent for marketing text messages, automated telephone calls, artificial or prerecorded voice communications, or other communications, we will request such consent separately.

SMS Program Conditions

• Message frequency varies.
• Message and data rates may apply.
• Reply STOP to opt out.
• Reply HELP for assistance, where supported.
• Contact 866-610-6364 for support.
• Marketing consent is not required as a condition of purchasing insurance.

You may withdraw applicable marketing consent through available opt-out mechanisms or by contacting us.

Our website and communication systems may utilize AI-powered chatbots, virtual assistants, and voice agents.

AI systems may assist with general insurance questions, scheduling, information collection, and customer service.

AI-generated content is informational and may contain errors or omissions.

An AI response does not constitute a binding insurance quote, an approved application, a coverage determination, or an insurance contract.

Final insurance recommendations and regulated insurance activities must be handled in accordance with applicable licensing and supervision requirements.

Where required, automated voice communications and call recording are subject to appropriate disclosures and consent.

Our Privacy Policy explains how we handle personal, health-related, financial, and other sensitive information.

Consumers should use designated secure processes when submitting Social Security numbers, medical records, or other highly sensitive information.

General email, ordinary SMS, and public-facing chat interfaces may not provide an appropriate channel for transmitting sensitive documents.

Website content is provided for general informational purposes.

Descriptions of insurance plans, benefits, premiums, exclusions, and eligibility are not substitutes for official policy documents.

In the event of a discrepancy, the applicable carrier's policy and legally controlling documents govern.

Our services are focused on insurance brokerage and related assistance.

Unless expressly authorized and qualified, we do not provide medical diagnoses, medical treatment, legal advice, tax advice, or investment advice.

Consumers should consult appropriately licensed professionals regarding such matters.

Users agree not to:

• Engage in fraudulent or unlawful activities.
• Submit deliberately misleading information.
• Attempt unauthorized access to company systems.
• Introduce malicious software.
• Interfere with website security.
• Misuse personal information belonging to others.
• Reproduce protected website materials without authorization.

We may restrict access where necessary and legally permissible.

We may provide links or access to independent insurance carriers, enrollment portals, payment processors, or other service providers.

These third parties may impose their own terms and privacy requirements.

We do not control independent carrier underwriting decisions or claims determinations.

Nothing in these Terms excludes obligations imposed on us by applicable law.

Our business name, original branding, website content, graphics, and other proprietary materials are owned by or licensed to The Prestige Advisor LLC unless otherwise indicated.

Unauthorized reproduction, distribution, or commercial exploitation is prohibited except as permitted by law or written authorization.

To the fullest extent permitted by law, The Prestige Advisor LLC is not responsible for indirect, incidental, special, or consequential damages arising solely from website interruptions, technical failures, or reliance on general website information.

Nothing in these Terms limits liability for fraud, willful misconduct, statutory violations, or other liabilities that cannot legally be excluded.

These Terms do not alter the rights and obligations established under any insurance policy.

To the extent permitted by law, users agree to indemnify The Prestige Advisor LLC against third-party claims resulting from their intentional unlawful use of the website or material violation of these Terms.

This obligation does not apply to losses caused by our unlawful conduct or where prohibited by applicable consumer protection laws.

Insurance products and services are offered only in jurisdictions where The Prestige Advisor LLC and its applicable representatives are properly licensed or otherwise legally authorized.

Product availability may vary by state, carrier, and applicant circumstances.

These Terms are governed by the laws of the State of Florida, except where federal law or mandatory laws of another jurisdiction apply.

Disputes may be brought before a court of competent jurisdiction, subject to applicable venue and consumer protection requirements.

Nothing in these Terms restricts a consumer's right to contact an insurance regulator or exercise non-waivable legal rights.

We may revise these Terms to reflect changes in services, business practices, or legal requirements.

Updated Terms will be published with a revised effective date. Additional notice will be provided where legally required.

If any provision is found invalid or unenforceable, the remaining provisions will remain effective to the extent permitted by law.

The Prestige Advisor LLC 1000 Fifth St Miami Beach, FL 33139 Email: info@theprestigeadvisor.com Telephone: 866-610-6364 Website: https://theprestigeadvisor.com Terms of Service: https://theprestigeadvisor.com/terms-of-service