Terms & Conditions

Acceptance of these terms

By accessing or using this website, you agree to these Terms & Conditions and to our Privacy Policy. If you do not agree, please do not use the site.

These terms are separate from, and do not constitute, consent to receive calls or text messages. Consent to be contacted is given only by checking the specific, unchecked consent box on our forms.

Information is educational

The content on this website is provided for general educational purposes. It is not legal, tax, financial or medical advice, and it is not a complete description of benefits under any insurance plan.

Plan availability, premiums, cost-sharing, provider networks and drug formularies vary by county and change at least annually. Nothing on this site should be relied on as a statement of what a particular plan will cover for you. Always confirm details with the plan's official documents before enrolling.

Insurance solicitation notice

This is a solicitation for insurance. Submitting a form on this website may result in contact from a licensed insurance agent or producer.

Penny Shield, LLC is a private company. It is not connected with or endorsed by the United States government, the federal Medicare program, or the Centers for Medicare & Medicaid Services.

We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program to get information on all of your options.

Communications

When you submit a form, you agree that we may contact you using the contact details you provided in order to respond to your request. Marketing calls and text messages are sent only with your separate, specific consent, which you may withdraw at any time as described in our TCPA & Messaging Policy.

You agree that the information you submit is accurate and that the phone number and email address you provide belong to you.

Acceptable use

You agree not to:

• Submit false, misleading or fraudulent information, or another person's contact details without their permission
• Use automated systems to scrape, harvest or submit to this site
• Attempt to gain unauthorized access to any part of the site or its infrastructure
• Interfere with the operation of the site, including by introducing malicious code
• Reproduce, republish or resell our content without written permission
• Use the site for any unlawful purpose or in violation of these terms

Intellectual property

The text, design, graphics and arrangement of this website are owned by Penny Shield, LLC or its licensors and are protected by copyright and trademark law. You may view and print pages for your own personal, non-commercial use.

Third-party links

This site links to third-party websites, including Medicare.gov and insurance carrier sites, as a convenience. We do not control those sites, do not endorse their content, and are not responsible for their accuracy, availability or privacy practices. Review their terms and privacy policies before providing information.

No warranties

This website and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy or non-infringement. We do not warrant that the site will be uninterrupted, error free, or free of harmful components.

Limitation of liability

To the fullest extent permitted by law, Penny Shield, LLC, its officers, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, data or goodwill, arising out of your use of or inability to use this website, even if advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above may not apply to you.

Indemnification

You agree to indemnify and hold harmless Penny Shield, LLC from any claim, demand, loss or expense, including reasonable attorneys' fees, arising from your misuse of this website or your violation of these terms.

Governing law

These terms are governed by the laws of the State of Florida, without regard to its conflict of laws rules. Any dispute will be brought in the state or federal courts located in Miami, FL.

Changes to these terms

We may revise these terms at any time by posting an updated version on this page. Your continued use of the site after changes are posted means you accept them. These terms were last updated on September 23, 2026.

Contact

Questions about these terms can be sent to:

Penny Shield, LLC, 1200 Brickell Avenue, Suite 1950, Miami, FL 33131. Email [email protected].