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Terms of Service

Last updated: June 3, 2026

These Terms of Service ("Terms") govern your use of the Rosa Healthcare Advisors website and the services provided by Carmelo Rosa ("we," "us," or "our"). By accessing this website or contacting us, you agree to these Terms. If you do not agree, please do not use the website.

Nature of Our Services

Carmelo Rosa is a licensed insurance agent (NPN: 21077776). We provide educational information and personalized guidance to help you understand Medicare and choose among the insurance products we offer—namely Medicare Supplement (Medigap), Dental/Vision/Hearing, and Cancer plans. Consultations and reviews are provided at no cost to you; when you enroll in a plan, we are compensated by the insurance carrier.

Not Government Affiliated

This website is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information on this site. The content here is a solicitation for insurance.

Informational Purposes Only

The content on this website is provided for general informational and educational purposes and is not intended as legal, tax, financial, or medical advice. Medicare rules, plan availability, premiums, and benefits change and may vary by location and individual circumstance. You should confirm details that matter to you before making a decision. Nothing on this website guarantees any particular plan, price, eligibility, or outcome.

Your Responsibilities

You agree to provide accurate information when you contact us and to use this website only for lawful purposes. You agree not to misuse the site, attempt to disrupt it, or use it in any way that could harm us or others.

Intellectual Property

All content on this website—including text, graphics, logos, and the Rosa Healthcare Advisors name—is owned by or licensed to us and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our written permission.

Third-Party Links

Our website may contain links to third-party websites or videos for your convenience. We do not control and are not responsible for the content, accuracy, or practices of those third parties.

Limitation of Liability

To the fullest extent permitted by law, Rosa Healthcare Advisors and Carmelo Rosa will not be liable for any indirect, incidental, or consequential damages arising out of your use of this website or reliance on its content. The website is provided "as is" without warranties of any kind.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any disputes will be subject to the jurisdiction of the courts located in Florida.

Changes to These Terms

We may update these Terms from time to time. Changes are effective when posted, and we will revise the "Last updated" date above. Your continued use of the website constitutes acceptance of the updated Terms.

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