Terms of Use

These terms apply to your use of the Unified Spectrum Group website.

Website purpose

This website provides general information about insurance services and ways to contact or schedule an appointment with Antonia Sevilla, Owner and Licensed Life & Health Insurance Broker.

Information on this website is not a personalized insurance recommendation, legal opinion, or tax advice. Recommendations require a review of your individual circumstances.

Coverage and availability

Coverage availability, eligibility, premiums, benefits, exclusions, and underwriting requirements vary by product, carrier, location, and individual circumstances. Website information does not guarantee approval, enrollment, a particular premium, or a specific outcome.

Policy and contract documents

Descriptions on this website are summaries. The issued insurance policy, annuity contract, and applicable plan documents govern actual coverage, benefits, exclusions, fees, and conditions.

Appointments and forms

Requesting an appointment does not create coverage, bind a policy, or enroll you in a plan. A Medicare Scope of Appointment documents the coverage categories you agree to discuss. It does not enroll you in a plan or obligate you to purchase coverage.

Feedback

The feedback form is intended for comments about your experience. Please do not use it to submit sensitive documents, request emergency assistance, or make time-sensitive changes to insurance coverage. Contact us directly for service requests.

External services

The website includes third-party scheduling tools, a feedback form, and external links. Those providers operate under their own terms and privacy policies. Their availability and functionality may change.

Appropriate use

Use this website lawfully. Do not attempt to interfere with its operation, gain unauthorized access, submit fraudulent information, or misuse appointment and feedback tools.

Website materials

Website branding, text, images, and other materials may be protected by intellectual property rights. Do not reproduce or distribute them without authorization from the appropriate rights holder.

Availability and accuracy

Website information may change. Contact us to confirm details relevant to your situation. We do not guarantee uninterrupted access to the website or third-party tools.

Updates to these terms

These terms may be updated as the website changes. The current version will be posted here.

Contact

For questions about these terms, contact antonia@unifiedspectrumgroup.com.