Terms of Service

Effective Date: Septmember 2025

This website is owned and operated by Cheryl Roach, a licensed insurance agent. By accessing or using this website, you agree to the following terms and conditions.

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Informational Use Only
The content on this website is provided for general informational purposes and should not be considered insurance, legal, or financial advice. Insurance coverage decisions should always be based on your specific situation and the terms of your policy documents.

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No Guarantee of Coverage or Enrollment
Submitting your contact information does not create an agent-client relationship, nor does it guarantee eligibility for any insurance product. I will only contact you at your request and in compliance with applicable CMS marketing regulations.

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External Links
This site may contain links to other websites or organizations, such as Spark Advisors, Medicare.gov, or insurance carriers. I am not responsible for the content or privacy practices of those sites.

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Intellectual Property
All text, images, and other content on this site are the property of the site owner and may not be reproduced or distributed without written permission.

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Limitation of Liability
While I strive to keep the information on this website accurate and up to date, I make no warranties about its completeness or reliability. I am not liable for any damages or losses resulting from the use of this site.

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Contact
For questions about these terms, please contact me at:
📧 Cheryl@CherylRoach.com