Terms and Conditions

Effective Date: September 19, 2025

Angulo & Associates LLC (d/b/a The Angulo Team)

1. Acceptance of Terms

By accessing and using this website, you agree to these Terms and Conditions. If you do not agree, please discontinue use immediately.

2. Informational Purposes Only

The information on this website is provided for general informational purposes and does not constitute legal, tax, or medical advice. Insurance products and services are subject to eligibility, underwriting, and approval by carriers.

3. No Guarantee of Coverage

Use of this website or communication through it does not:

Create an agent-client relationship,

Guarantee enrollment, eligibility, or coverage, or

Replace official enrollment through Virginia’s Insurance Marketplace or other state/federal exchanges.

4. Use of the Website

You agree not to:

Use the website for unlawful purposes,

Submit false, misleading, or fraudulent information,

Attempt to gain unauthorized access to the site or related systems,

Copy, distribute, or misuse content without written permission.

5. Privacy and Data Collection

We collect information you voluntarily provide (such as through contact forms or appointment booking tools).

Your information is used solely for the purpose of assisting with insurance-related services.

By submitting your information, you consent to our Privacy Policy.

We comply with HIPAA, Virginia privacy laws, and Marketplace data security requirements.

For full details, please review our Privacy Policy.

6. Intellectual Property

All content on this website — including logos, text, graphics, downloads, and design — is the property of Angulo & Associates LLC unless otherwise noted. Unauthorized use, copying, or distribution is prohibited.

7. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of those websites. Use of third-party sites is at your own risk.

8. Limitation of Liability

Angulo & Associates LLC is not liable for:

Errors or omissions in website content,

Any damages resulting from reliance on information provided here,

Technical issues, malware, or interruptions in site availability.

9. No Solicitation Outside Scope

This website is intended for individuals seeking information on insurance and related services. Unauthorized solicitation, data mining, or commercial use is prohibited.

10. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law principles.

11. Updates

We may update these Terms from time to time. Continued use of the website after changes means you accept the updated Terms. The latest version will always be posted here.