TERMS OF USE

Effective Date: July 21, 2026
Last Updated: July 21, 2026

Welcome to vitraladvisory.com. These Terms of Use (“Terms”) govern your access to and use of this website and its content, forms, features, and services.

The website is operated by VITRAL Financial & Insurance Advisory Group (“VITRAL,” “we,” “us,” or “our”).

By accessing or using this website, you acknowledge that you have read and agree to these Terms. If you do not agree, please discontinue use of the website.

1. Purpose of This Website

This website provides general information about VITRAL, including information concerning:

Medicare-related insurance options
Individual and family health insurance
Life insurance
Final expense insurance
Annuities and retirement-related insurance solutions
Property and casualty insurance
Additional insurance and advisory services
Opportunities to join or collaborate with our team

Website content is provided for general informational and educational purposes. It is not a substitute for an individualized consultation, official plan documents, or advice from an appropriately qualified professional.

2. No Insurance Coverage Created

Using this website, submitting a form, requesting a quote, scheduling a consultation, or communicating with VITRAL does not:

Create or activate insurance coverage
Bind an insurance policy
Guarantee approval or eligibility
Guarantee a particular premium, benefit, interest rate, or outcome
Modify the terms of an existing policy
Create an agent-client, fiduciary, employment, or contractual relationship

Insurance coverage becomes effective only after all applicable requirements have been satisfied and the appropriate insurance carrier has issued or confirmed coverage.

Do not cancel, replace, or modify existing insurance coverage based solely on information presented on this website.

3. Insurance Product Information

Insurance products, plans, premiums, benefits, provider networks, formularies, eligibility requirements, availability, limitations, and exclusions may vary by:

State
County or service area
Insurance carrier
Applicant eligibility
Effective date
Underwriting requirements
Applicable laws and regulations

Product information may change without notice. The applicable carrier contract, policy, certificate of coverage, evidence of coverage, summary of benefits, or other official document controls if there is any conflict with information presented on this website.

Not all products or services are available in every location, and VITRAL may not represent every insurance carrier or product available in your area.

4. Medicare Disclaimer

VITRAL is an independent insurance agency and is not connected with or endorsed by the United States government, the federal Medicare program, the Centers for Medicare & Medicaid Services, or any state government agency.

Medicare plan availability, premiums, benefits, provider networks, formularies, and eligibility requirements may vary by location and may change each year.

This website is not Medicare.gov. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users may call 1-877-486-2048.

Calling or submitting information to VITRAL may connect you with a licensed insurance agent.

5. No Medical, Legal, Tax, or Investment Advice

The information on this website does not constitute medical, legal, tax, accounting, or individualized investment advice.

Although we may provide information about insurance products designed to address retirement or financial protection needs, VITRAL does not guarantee investment performance, tax treatment, market results, or future income unless specifically stated in the official contract issued by the relevant insurance carrier.

You should consult an appropriately licensed professional regarding your particular circumstances.

For medical emergencies, call 911 or seek immediate assistance from a qualified healthcare provider.

6. Quotes and Illustrations

Any quote, estimate, projection, or illustration provided through or following use of this website is preliminary unless otherwise expressly stated.

Final premiums, benefits, rates, eligibility, underwriting decisions, and contract terms are determined by the applicable insurance carrier.

Annuity and life-insurance illustrations may depend on assumptions that are not guaranteed. Guaranteed and non-guaranteed values should be reviewed carefully in the official carrier illustration or contract.

7. Website Forms and Communications

When you submit a website form, you agree to provide information that is accurate, current, and complete.

Submitting a form authorizes VITRAL to use the information to:

Respond to your request
Contact you about the services you selected
Schedule an appointment
Evaluate your inquiry or application
Provide relevant administrative communications

Providing your telephone number or email address does not obligate you to purchase a product or service.

If you separately consent to receive marketing calls, text messages, or emails, message and data rates may apply, and message frequency may vary. You may withdraw marketing consent by following the opt-out instructions provided in the communication.

Please do not submit Social Security numbers, banking information, detailed medical records, passwords, or other highly sensitive information through a general website form unless VITRAL specifically requests it through an authorized, secure process.

Our handling of personal information is described in our Privacy Policy.

8. Join Our Team Applications

Submitting a form through the Join Our Team page does not constitute an offer or guarantee of:

Employment
Appointment with an insurance carrier
Independent contractor status
Compensation
Licensing sponsorship
Acceptance into a training or recruiting program

VITRAL may review qualifications, licensing status, experience, background information, and business compatibility before offering any opportunity.

Any employment, contracting, carrier appointment, compensation, confidentiality, or licensing arrangement must be established in a separate written agreement.

9. Acceptable Use

You agree not to:

Use the website for an unlawful, fraudulent, or misleading purpose
Submit false information or impersonate another person
Attempt to access restricted areas, systems, or accounts
Interfere with the website’s security or operation
Introduce viruses, malicious code, or harmful technologies
Collect information about other users without authorization
Use automated tools to scrape, copy, or extract website content without written permission
Reproduce or exploit website content for commercial purposes without authorization
Use VITRAL’s name, branding, or content in a manner suggesting an unauthorized relationship or endorsement

We may restrict or terminate access when we reasonably believe these Terms have been violated.

10. Intellectual Property

Unless otherwise indicated, the website and its content—including text, graphics, designs, logos, photographs, videos, icons, downloadable materials, and overall presentation—are owned by VITRAL or used with authorization.

The VITRAL name, logo, visual identity, and related brand elements may not be copied, modified, distributed, or used without prior written permission.

You may view and print limited website content for personal, noncommercial use, provided that all copyright, trademark, and ownership notices remain intact.

Any third-party names, logos, trademarks, and product names belong to their respective owners. Their appearance on this website does not necessarily imply endorsement or affiliation.

11. Third-Party Websites and Services

This website may link to third-party websites or services, including:

Insurance carriers
Government agencies
Scheduling or communication platforms
Social media services
WhatsApp
Payment, analytics, or technology providers

These links are provided for convenience and informational purposes. VITRAL does not control and is not responsible for third-party content, availability, security, accuracy, terms, or privacy practices.

A link does not necessarily constitute VITRAL’s endorsement of the third party. You should review the applicable terms and privacy policy before using an external website or service.

12. Website Availability and Accuracy

We seek to provide useful and accurate information, but we do not warrant that the website will always be:

Complete
Current
Error-free
Secure
Continuously available
Free from harmful components

We may correct, remove, update, suspend, or discontinue website content or functionality at any time without prior notice.

You are responsible for confirming important insurance information through official carrier documents and applicable government sources before making a decision.

13. Disclaimer of Warranties

To the fullest extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.

VITRAL disclaims all warranties, express or implied, concerning the website, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Nothing in these Terms excludes a warranty or consumer protection that cannot lawfully be excluded.

14. Limitation of Liability

To the fullest extent permitted by applicable law, VITRAL and its owners, agents, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:

Your use of or inability to use the website
Reliance on general website information
Website interruptions or technical errors
Unauthorized access to information
Third-party websites or services
Decisions made without reviewing official policy or carrier documentation

These limitations do not apply where liability cannot legally be excluded or limited.

15. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless VITRAL and its owners, agents, employees, and contractors from claims, liabilities, damages, and reasonable expenses resulting from:

Your unlawful or unauthorized use of the website
Information you submit in violation of another person’s rights
Your material violation of these Terms

This provision does not require you to indemnify VITRAL for conduct for which indemnification cannot lawfully be required.

16. Privacy

Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

If you do not agree with our data practices, do not submit personal information through the website.

17. Governing Law

These Terms are governed by applicable federal law and the laws of the State of Texas, without regard to conflict-of-law principles.

Any dispute relating to these Terms or the website will be addressed in a court of competent jurisdiction, subject to any consumer rights or venue requirements that cannot legally be waived.

18. Severability

If any provision of these Terms is found invalid or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will remain in effect.

19. No Waiver

A failure by VITRAL to enforce any provision of these Terms does not waive its right to enforce that or another provision later.

20. Changes to These Terms

We may update these Terms periodically to reflect changes in our website, services, business practices, or legal obligations.

When changes are made, the Last Updated date will be revised. Your continued use of the website after an updated version becomes effective constitutes acknowledgment of the revised Terms.

21. Contact Us

Questions about these Terms may be directed to:

VITRAL Financial & Insurance Advisory Group
Austin, Texas
Email: info@vitraladvisory.com
Website: vitraladvisory.com