Terms of Use
Effective Date
Effective Date: January 1, 2026
Welcome to Heart Led Insurance Agency. By accessing or using this website, you agree to comply with and be bound by the following Terms of Use. Please read them carefully before using our website or services.
If you do not agree with these terms, please do not use this website.
Website Use
This website is provided for informational purposes only. You may use this website to learn about our services, request information, or contact our team.
You agree not to:
Use the website for unlawful purposes
Attempt to gain unauthorized access to the website or server
Copy, distribute, or reproduce website content without permission
Interfere with the website’s functionality or security
Submit false or misleading information through forms or inquiries
We reserve the right to restrict or terminate access to the website if misuse is detected.
No Insurance or Legal Advice
The information provided on this website is general in nature and should not be considered legal, financial, tax, or insurance advice.
Coverage availability, pricing, eligibility, and benefits may vary depending on carrier guidelines, business size, employee participation, location, and other factors.
Final insurance recommendations and plan selections should be reviewed directly with a licensed advisor.
Licensing and Availability
Heart Led Insurance Agency is a licensed insurance agency. Services may only be available in states where we are properly licensed to operate.
Not all products, plans, or carriers are available in every area.
Intellectual Property
All content on this website, including text, branding, graphics, logos, design elements, and layout, is the property of Heart Led Insurance Agency unless otherwise stated.
You may not copy, reproduce, modify, or distribute any website materials without prior written permission.
Third-Party Links
This website may contain links to third-party websites or services for convenience and informational purposes.
We are not responsible for the content, accuracy, privacy practices, or availability of third-party websites.
Accessing third-party websites is done at your own risk.
Limitation of Liability
Heart Led Insurance Agency is not liable for any direct, indirect, incidental, or consequential damages resulting from:
Use of this website
Reliance on website content
Website interruptions or technical issues
Third-party services or external links
All website content is provided “as is” without warranties of any kind.
Privacy
Your use of this website is also subject to our Privacy Policy. By using this website, you consent to the collection and use of information as described in our Privacy Policy.
Changes to These Terms
We may update or modify these Terms of Use at any time without prior notice.
Continued use of the website after updates are posted constitutes acceptance of the revised terms.
Contact Information
Heart Led Insurance Agency
St. Petersburg, Florida
Serving businesses throughout Florida
Email: nick@heartledagency.com
If you have questions regarding these Terms of Use, please contact us directly.