Terms & Conditions

1. Who We Are

This website is operated by Magnolia Healthcare ("Magnolia," "we," "us," or "our"), 1855 Griffin Road, Suite A410, Dania Beach, Florida 33004. Magnolia is a licensed insurance agency and a field marketing organization (FMO) that works with independent agents and agencies writing Medicare, Life, and Property & Casualty insurance.

Magnolia is not affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare & Medicaid Services (CMS). This is not a government website.

2. Use of the Website

You may use this website only for lawful purposes and in accordance with these Terms. You must be at least 18 years old to submit information or request services. You agree to provide accurate, current, and complete information whenever you submit a form, request a quote, or contact us.

3. Insurance Information & No Professional Advice

Content on this website is provided for general informational purposes only. It is not medical, legal, tax, or financial advice. We do not offer every plan available in your area; any information we provide is limited to the plans we offer in your area. Plan availability, benefits, premiums, and cost-sharing vary by location and may change on January 1 of each year. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week.

Submitting information through this website does not create an insurance policy, guarantee coverage, or obligate you to enroll in any plan. Coverage is subject to the terms, conditions, and underwriting of the issuing insurance carrier.

4. Atlas.ai

Atlas.ai is a proprietary technology platform owned and operated by Magnolia Healthcare. Atlas.ai is not a licensed medical provider and does not provide medical advice, diagnosis, or treatment. Plan recommendations, summaries, or other outputs generated by Atlas.ai are for informational purposes only, may contain errors, and should be reviewed with a licensed insurance agent before any enrollment decision. Agents and agencies using Atlas.ai remain solely responsible for their own compliance, client communications, and licensed activities.

6. Agent & Agency Partners

If you are an independent agent or agency working with Magnolia, your contracting, commissions, compensation, lead programs, and use of Atlas.ai are governed by your separate agreement(s) with Magnolia and the applicable carriers. In the event of a conflict, those agreements control. Partners must maintain all required licenses and appointments and comply with applicable laws and regulations, including CMS Medicare marketing guidelines, state insurance regulations, and telemarketing laws.

7. Prohibited Conduct

You agree not to:

• Use the website or services for any unlawful, fraudulent, or misleading purpose;
• Submit information about another person without their authorization;
• Attempt to gain unauthorized access to our systems, accounts, or data;
• Scrape, copy, reverse engineer, or resell any part of the website or Atlas.ai;
• Introduce viruses, malware, or other harmful code; or
• Interfere with or disrupt the operation of the website or services.

8. Intellectual Property

All content on this website, including text, graphics, logos, software, and the Atlas.ai platform, is owned by or licensed to Magnolia and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written permission.

9. Third-Party Links & Services

This website may contain links to third-party websites, including insurance carriers and government resources. We do not control and are not responsible for the content, policies, or practices of any third-party website.

10. Disclaimer of Warranties

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

11. Limitation of Liability

To the fullest extent permitted by law, Magnolia and its owners, employees, agents, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or business, arising out of or related to your use of the website or services. Our total liability for any claim will not exceed one hundred U.S. dollars ($100).

12. Indemnification

You agree to indemnify and hold harmless Magnolia and its affiliates from any claims, damages, losses, and expenses, including reasonable attorneys' fees, arising from your violation of these Terms or your misuse of the website or services.

13. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising under these Terms shall be brought exclusively in the state or federal courts located in Broward County, Florida.

14. Changes to These Terms

We may update these Terms from time to time. Changes take effect when posted on this page with a new effective date. Your continued use of the website after changes are posted means you accept the updated Terms.

15. Contact Us

Magnolia Healthcare
1855 Griffin Road, Suite A410
Dania Beach, Florida 33004
Email: support@magnoliahealthcare.com