Terms of Service

1. Informational Purpose Only

This website is provided for informational purposes only. Nothing on this website constitutes a binding offer of insurance coverage, a guarantee of insurability, or professional legal, financial, or tax advice. All information is subject to change without notice.

2. No Binding Quotes

Price estimates, premium ranges, and savings figures displayed on this website are estimates only, based on general market data. They are not binding offers of coverage. Final premiums are determined by the issuing carrier following underwriting review of your individual risk profile. Actual rates may differ from estimates shown.

3. Licensing

Maria Fernanda Insurance Consulting is a licensed independent insurance agent in New Jersey (License #3002959176, NPN 21073252) and in additional states upon request. This website does not constitute a solicitation for insurance in any state where the agent is not licensed to sell insurance. By submitting a quote request, you represent that you are located in a state where we are licensed to conduct insurance business.

4. Testimonials and Results Disclosure

Testimonials displayed on this website reflect the individual experiences and documented results of specific clients. These results are not typical and are not guaranteed. Most customers achieve savings between $0 and $400 per year when switching or bundling policies. Individual results depend on state, coverage type, selected carrier, driving history, and other personal risk factors. An independent insurance agent will contact you to evaluate your specific situation.

5. No Guarantee of Coverage

Submitting a quote request does not guarantee that coverage will be offered or approved. All insurance products are subject to underwriting review and approval by the issuing carrier. Coverage may be denied, modified, or conditioned based on individual risk factors.

6. Accuracy of Information

We make reasonable efforts to ensure the accuracy of information on this website. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information. Any reliance on information from this website is at your own risk.

7. Third-Party Links

This website may contain links to third-party websites. We have no control over the content or privacy practices of those sites and accept no responsibility for them. The inclusion of any link does not imply endorsement.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Maria Fernanda Insurance Consulting shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on information contained herein. Our total liability for any claim shall not exceed the amount of fees, if any, paid by you to us in the 12 months preceding the claim.

9. Governing Law and Dispute Resolution

These Terms of Service shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in New Jersey, except that either party may seek injunctive relief in a court of competent jurisdiction.

10. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this website. Continued use of this website following any changes constitutes acceptance of the revised Terms.

11. Contact

For questions about these Terms, contact us at:

Maria Fernanda Insurance Consulting
Email: info@consultingbymf.com
Phone: (908) 228-0973