Effective Date: August 15th, 2025
Welcome to Fantin S Consulting LLC (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, services, and any related communications (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
1. Scope of Services
Fantin S Consulting LLC is an independent insurance advisory firm. We provide:
Consultation and guidance on insurance products, including but not limited to Medicare, life, health, and supplemental insurance.
Assistance with enrollment and policy management.
Educational resources for clients regarding insurance options.
We do not underwrite insurance policies. Policies are issued by third-party carriers, and all final decisions regarding coverage, underwriting, and claims are made by those carriers.
2. Eligibility
By using our Services, you confirm that you are:
At least 18 years old, and
Legally able to enter into binding agreements.
If you are seeking insurance coverage for another individual (such as a dependent), you represent that you have the authority to act on their behalf.
3. No Guarantee of Coverage
Consultation with Fantin S Consulting LLC does not guarantee approval, issuance, or eligibility for any insurance policy. Coverage, premiums, and benefits are determined solely by the insurance carrier.
4. Client Responsibilities
You agree to:
Provide accurate, complete, and up-to-date information when working with us.
Notify us promptly of any changes to your contact information or personal circumstances relevant to your insurance needs.
Review all documents and policy terms provided by insurance carriers before making decisions.
5. Fees and Compensation
In most cases, Fantin S Consulting LLC is compensated through commissions paid by insurance carriers. You will not typically be billed directly for advisory services unless explicitly stated in writing. Any direct fees will be disclosed to you before services are provided.
6. Privacy and Confidentiality
We respect your privacy and safeguard your personal information in accordance with our [Privacy Policy]. By using our Services, you consent to the collection, use, and sharing of your information as outlined in that policy.
7. Communications
By providing your contact information, you consent to receive communications from Fantin S Consulting LLC, including phone calls, emails, and text messages, regarding your insurance inquiries and related services. You may opt out of marketing communications at any time.
8. Disclaimers
Our Services are for informational and advisory purposes only.
We make no guarantees regarding the suitability, availability, or outcome of any insurance product.
All insurance products are subject to the terms and conditions of the issuing carrier.
9. Limitation of Liability
To the fullest extent permitted by law:
Fantin S Consulting LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Services.
Our liability, if any, shall not exceed the amount of compensation we have received directly from you for the specific service in question.
10. Indemnification
You agree to indemnify, defend, and hold harmless Fantin S Consulting LLC and its representatives from any claims, damages, liabilities, or expenses arising out of your use of our Services or reliance on information provided.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to conflict of law principles.
12. Dispute Resolution
Any disputes arising under these Terms will first be attempted to be resolved through good faith negotiations. If unresolved, disputes shall be submitted to binding arbitration in Wyoming, unless prohibited by law.
13. Changes to Terms
We reserve the right to update these Terms at any time. Updated versions will be posted on our website with a revised “Effective Date.” Continued use of our Services after updates constitutes acceptance of the new Terms.
14. Contact Us
For questions or concerns about these Terms, please contact us at:
Fantin S Consulting LLC
215 Fallview Dr Green River, WY 82935
(970) 462-2393
[email protected]