By using QuotesByLucas.com, you agree to these Terms of Service. Please read carefully.

1. Eligibility

Must be at least 18 years old to use this website or request insurance quotes.

2. Description of Services

Valdovinos LLC (QuotesByLucas.com) provides health insurance consulting and brokerage services, connecting individuals and small business owners with licensed advisors and carriers.

3. Use of Website

You agree not to:

Misuse our services or submit false information.

Engage in fraudulent, abusive, or unlawful activity.

Infringe on intellectual property rights.

4. HIPAA and Data Protection

All health-related information is protected under HIPAA.

We will only use or disclose PHI in compliance with HIPAA rules or with your authorization.

5. TCPA Consent

By clicking “Submit” or similar buttons, you consent to receive:

Auto-dialed calls, pre-recorded messages, SMS/texts, and emails for insurance-related purposes.

Consent may be revoked by contacting us or replying "STOP" to any SMS.

6. Disclaimers

We do not guarantee any specific coverage, premium, or approval.

Quotes and options are based on information provided and subject to carrier underwriting.

7. Limitation of Liability

Valdovinos LLC is not liable for:

Any errors in quotes provided by third-party insurance carriers.

Unauthorized access to your data despite reasonable safeguards.

Decisions made based on insurance advice or materials provided.

8. Third-Party Links

We may link to third-party websites. We are not responsible for their content, policies, or services.

9. Intellectual Property

All content, branding, and materials on this website are owned by Valdovinos LLC. Unauthorized reproduction or use is prohibited.

10. Termination

We reserve the right to suspend or terminate site access for violations of these terms.

11. Governing Law

These Terms are governed by the laws of Florida, United States, without regard to conflicts of law.

12. Contact Us

Valdovinos LLC (QuotesByLucas.com)
Email: [email protected]
Phone: (954) 805-2034