Terms & Conditions

Terms and Conditions
Sean Hammond – Independent Health Insurance Agent
208 N. Broadway, Suite 314, Billings, Montana 59101
Phone: 406-647-7218

Effective Date: August 26, 2025

Welcome to the website and services of Sean Hammond, Independent Health Insurance Agent. By accessing or using our website, services, or communications, you agree to the following terms and conditions:

1. Services Provided
Sean Hammond provides independent health insurance services, including Senior Health plans, supplemental, and senior health care insurance guidance, plan comparisons, and application assistance. All services are for informational purposes and do not constitute legal or financial advice.

2. Use of Website and Services
You agree to use our website and services for lawful purposes only and not to:

• Violate any local, state, or federal laws

• Interfere with the functionality or security of the website

• Misrepresent your identity or information

3. Accuracy of Information
We make reasonable efforts to provide accurate and up-to-date information regarding insurance products, rates, and coverage. However, insurance carriers control policy terms, rates, and coverage; Sean Hammond is not responsible for changes or errors made by the insurance provider.

4. Third-Party Links
Our website may include links to third-party sites. We are not responsible for the content, privacy policies, or practices of these external websites.

5. Personal Information
Use of our services may involve sharing personal information such as contact details and insurance data. Your information is handled according to our Privacy Policy. By using our services, you consent to the collection, storage, and use of your information as described in our Privacy Policy.

6. Limitation of Liability
Sean Hammond and his affiliates are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the website, services, or any linked third-party services.

7. Indemnification
You agree to indemnify and hold harmless Sean Hammond, his affiliates, and representatives from any claims, damages, or expenses arising from your violation of these Terms and Conditions.

8. Governing Law
These Terms and Conditions are governed by the laws of the State of Montana. Any disputes will be resolved in the appropriate courts of Montana.

9. Changes to Terms
Sean Hammond reserves the right to update or modify these Terms and Conditions at any time. Updates will be posted on the website, with the effective date revised accordingly.

10. Contact Information
For questions regarding these Terms and Conditions or our services, please contact:

Sean Hammond – Independent Health Insurance Agent

208 N. Broadway, Suite 314, Billings, Montana 59101
Phone: 406-647-7218
Email: Seanhammond71@gmail.com