IMPORTANT DISCLAIMER: FAC Insurance LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program. We are an independent insurance brokerage that helps individuals compare plans from private insurance companies.
Effective Date: April 29, 2026
Website: facinsurancellc.com
1. Acceptance of Terms
By accessing or using the website facinsurancellc.com, contacting FAC Insurance LLC via any channel (including phone, email, WhatsApp, or online forms), or engaging with our brokerage services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.
2. Nature of Services
FAC Insurance LLC is a licensed health insurance brokerage. We assist individuals and families in:
• Comparing and selecting ACA (Obamacare) and Medicare Advantage plans from licensed carriers
• Checking eligibility for ACA marketplace plans and Medicare Advantage plans
• Assisting with enrollment in ACA and Medicare Advantage plans
• Providing general guidance and information about health coverage options
We act as an independent broker and do not underwrite or issue insurance policies. All insurance coverage is subject to the terms, conditions, and limitations set by the respective insurance carrier.
3. No Guarantee of Coverage or Pricing
Information provided on our website or by our agents, including premium estimates, eligibility assessments, and ACA or Medicare Advantage plan comparisons, is for informational purposes only. Actual plan availability, pricing, and coverage are determined by the respective insurance carriers and government regulations, which are subject to change. FAC Insurance LLC does not guarantee any specific premium amount, subsidy eligibility, or plan approval.
4. User Responsibilities
By using our services, you agree to:
• Provide accurate, complete, and truthful information when requesting quotes or enrolling in a plan
• Notify us promptly of any changes to your health, income, or household status that may affect your coverage
• Review all plan documents provided by the insurance carrier before finalizing enrollment
• Not use our website or services for any unlawful purpose
• Not misrepresent your identity or eligibility for any insurance plan
5. WhatsApp & Electronic Communications
By providing your phone number and initiating or accepting communication via WhatsApp or other electronic channels, you consent to receiving messages from FAC Insurance LLC related to your insurance inquiry, policy information, appointment scheduling, and promotional offers.
You may opt out at any time by replying "STOP" or by contacting us directly. Standard messaging rates from your mobile carrier may apply. FAC Insurance LLC is not responsible for any fees charged by your mobile carrier.
6. Intellectual Property
All content on facinsurancellc.com, including but not limited to text, graphics, logos, and images, is the property of FAC Insurance LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this website without our express written permission.
7. Disclaimer of Warranties
Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. FAC Insurance LLC does not warrant that the website will be error-free, uninterrupted, or free of viruses or other harmful components.
8. Limitation of Liability
To the fullest extent permitted by law, FAC Insurance LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services, including but not limited to loss of coverage, financial loss, or reliance on information provided by our agents or website.
Our total liability for any claim arising under these Terms shall not exceed the amount of commissions received by FAC Insurance LLC in connection with your specific insurance enrollment.
9. Third-Party Websites and Carriers
Our website may contain links to insurance carriers, government healthcare marketplaces (such as HealthCare.gov), and other third-party websites. FAC Insurance LLC is not responsible for the content, accuracy, or practices of these third-party sites. Links are provided for your convenience only.
10. Privacy
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy to understand our practices regarding your personal information.
11. Compliance with Laws
FAC Insurance LLC operates in compliance with applicable federal and state laws governing health insurance brokerage, including but not limited to the Affordable Care Act (ACA), HIPAA, and Medicare regulations. We are committed to maintaining all required licenses and adhering to industry standards.
12. Modifications to Terms
FAC Insurance LLC reserves the right to modify these Terms and Conditions at any time. Updated terms will be posted on this page with a revised effective date. Continued use of our services following any changes constitutes your acceptance of the revised terms.
13. Government Affiliation Disclaimer
FAC Insurance LLC is not affiliated with or endorsed by the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), or any other government agency. We are an independent, privately-owned insurance brokerage. Any plans discussed or enrolled through FAC Insurance LLC are offered by private insurance companies, not the U.S. government.
14. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the applicable state in which FAC Insurance LLC operates. Any disputes arising under these Terms shall be resolved through good-faith negotiation or, if necessary, through appropriate legal channels.
15. Contact Us
If you have any questions about these Terms and Conditions, please contact us:
FAC Insurance LLC
Website: facinsurancellc.com
Fabiane Araujo
Licensed Health Insurance Agent
Phone: 689-250-1890
Email: [email protected]