Effective Date: June 1, 2025
Welcome to ASM Insurance & Financial Services (“ASM,” “Company,” “we,” “us,” or “our”). By accessing or using our website located at https://www.asmfinancial.org (the “Site”), you agree to be bound by these Terms of Service.
If you do not agree to these Terms, please do not use this Site.
1. No Government Affiliation
ASM Insurance & Financial Services is a licensed insurance agency.
We are not affiliated with, endorsed by, or connected to the U.S. government, the federal Medicare program, Healthcare.gov, or any state or federal agency.
2. No Guarantee of Coverage or Savings
Submitting information through this website does not guarantee:
- Insurance approval
- Enrollment
- Specific plan availability
- Cost savings
- Eligibility for subsidies
- Premium amounts
All coverage decisions are subject to carrier underwriting, eligibility requirements, and applicable enrollment periods.
3. Informational Purposes Only
The information provided on this Site is for general informational purposes only and does not constitute legal, tax, financial, or medical advice.
You should consult qualified professionals regarding your specific situation before making coverage decisions.
4. Communication Consent
By submitting your contact information on this Site, you agree that ASM Insurance & Financial Services may contact you by:
- Telephone
- Text message (SMS)
- Automated or prerecorded calls
Message frequency may vary. Message and data rates may apply.
You may opt out at any time by replying STOP to text messages or contacting us directly.
Consent to communication is not a condition of purchasing insurance products or services.
5. Medicare Compliance Disclosure
We do not offer every plan available in your area. Currently, we represent multiple organizations which offer multiple products in your area.
Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your State Health Insurance Program (SHIP) to review all available options.
Enrollment in Medicare plans depends on contract renewal and eligibility.
6. User Responsibilities
By using this Site, you agree:
- To provide accurate and truthful information
- Not to impersonate another person
- Not to use the Site for unlawful purposes
- Not to attempt unauthorized access to our systems
We reserve the right to restrict or terminate access if misuse occurs.
7. Intellectual Property
All content on this Site — including text, graphics, logos, branding, design, and layout — is the property of ASM Insurance & Financial Services and is protected by applicable intellectual property laws.
You may not reproduce, distribute, or modify content without written permission.
8. Third-Party Links
This Site may contain links to third-party websites. ASM Insurance & Financial Services is not responsible for the content, privacy practices, or accuracy of information on external websites.
9. Disclaimer of Warranties
This Site and its content are provided “as is” and “as available.”
ASM makes no warranties, express or implied, regarding:
- Site availability
- Accuracy of information
- Uninterrupted service
- Error-free operation
10. Limitation of Liability
To the fullest extent permitted by law, ASM Insurance & Financial Services shall not be liable for any indirect, incidental, consequential, or special damages arising from:
- Use of this Site
- Reliance on Site information
- Technical interruptions
- Enrollment outcomes
11. Indemnification
You agree to indemnify and hold harmless ASM Insurance & Financial Services from any claims, damages, or expenses arising from your misuse of the Site or violation of these Terms.
12. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the State of Florida, without regard to conflict of law principles.
13. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Updates will be posted on this page with a revised effective date.
Your continued use of the Site constitutes acceptance of any changes.
14. Contact Information
ASM Insurance & Financial Services
1806 N Flamingo Rd, Suite 336
Pembroke Pines, FL 33028
Phone: (954) 256-6955
Email: John@asmfinance.com
