TERMS AND CONDITIONS

Ubiera Insurance LLC

Effective Date: February 18,

2026

1. ACCEPTANCE OF TERMS

By accessing or using

https://ubierainsurance.com and our services, you agree to these

Terms and Conditions and our Privacy Policy.

2. SERVICES PROVIDED

Ubiera Insurance LLC is an independent licensed

insurance agency providing consultation and assistance with Medicare

Advantage, Medicare Supplement (Medigap), and Medicare Part D

Prescription Drug plans. Enrollment and coverage approval are

subject to insurance carrier guidelines and federal regulations.

We are not affiliated with or endorsed by the U.S. Government or the

federal Medicare program.

3. USER RESPONSIBILITIES

You agree to:

- Provide accurate and truthful information

- Use the website for lawful purposes only

- Not misuse or attempt to disrupt our services

4. CONSENT TO COMMUNICATIONS

By submitting your information through our

website, including the Free Consultation form at:

https://ubierainsurance.com/free-consultation

You provide express consent to be contacted by Ubiera Insurance LLC via

phone, email, and SMS regarding your inquiry and related services.

Message frequency varies. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP to

any message received.

5. INTELLECTUAL PROPERTY

All content on this website is owned by or

licensed to Ubiera Insurance LLC. Unauthorized reproduction or

distribution is prohibited.

6. DISCLAIMER OF WARRANTIES

All services and website content are

provided “as is” without warranties of any kind, either express or

implied.

7. LIMITATION OF LIABILITY

To the maximum extent permitted by law,

Ubiera Insurance LLC shall not be liable for any indirect,

incidental, or consequential damages arising from the use of our

website or services.

8. INDEMNIFICATION

You agree to indemnify and hold harmless Ubiera

Insurance LLC from claims arising out of your misuse of the website

or violation of these Terms.

9. GOVERNING LAW

These Terms are governed by the laws of the State of

Florida. Any disputes shall be resolved in courts located in

Florida.

10. MODIFICATIONS We may update these Terms at any time. Continued use

of the website constitutes acceptance of revised Terms.

CONTACT INFORMATION Ubiera Insurance LLC Orlando, Florida Phone: (407)

871-3350 Email: [email protected]