Terms of Use
Effective date: July 17, 2026
These Terms of Use ("Terms") govern your use of the Viva Insurance Group website. By using this site, you agree to these Terms. If you do not agree, please do not use the site.
Who we are
Viva Insurance Group is an independent insurance agency licensed in Florida (National Producer Number 17830305), located at 12145 NW 7th Ave, North Miami, FL 33168. We are appointed with multiple insurance carriers and receive compensation from carriers when policies are issued.
Educational content, not advice, not an offer
- The content on this website is provided for general educational purposes only. It is not legal, tax, financial, or medical advice, and it is not a recommendation for any specific product. Consult a qualified professional about your individual situation.
- Nothing on this site is an offer of insurance or a guarantee of coverage, eligibility, or price. All rates shown are illustrative industry ranges; your actual premium is determined solely by the issuing carrier through underwriting.
- Insurance coverage is governed exclusively by the terms of the issued policy documents, not by anything on this website. In any conflict between this site and a policy, the policy controls.
- Content is prepared with care but may contain errors or become outdated as laws, subsidies, and plans change. Verify time-sensitive details (enrollment dates, subsidy rules, plan availability) with us or with official sources such as Medicare.gov and healthcare.gov.
Medicare disclaimer
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day / 7 days a week, to get information on all of your options.
Your use of the site
You agree to use this site lawfully and not to:
- submit false or misleading information, or information about another person without their authority;
- interfere with the operation or security of the site;
- copy, scrape, or republish site content for commercial purposes without our written permission.
Intellectual property
The content, design, and branding of this site belong to Viva Insurance Group or its licensors and are protected by copyright and trademark law. You may view, print, or share pages for personal, non-commercial use.
Third-party sites
Links to third-party websites (including carrier sites, healthcare.gov, and Medicare.gov) are provided for convenience. We do not control and are not responsible for their content or practices.
Disclaimer of warranties
This website is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or uninterrupted availability.
Limitation of liability
To the fullest extent permitted by law, Viva Insurance Group will not be liable for indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on its content. Nothing in these Terms limits rights you may have under applicable insurance law that cannot be waived.
Governing law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising from these Terms or this website will be brought in the state or federal courts located in Miami-Dade County, Florida.
Changes to these Terms
We may update these Terms from time to time. The effective date above shows the latest revision; continued use of the site after changes are posted means you accept them.
Contact us
Questions about these Terms or our Privacy Policy: Viva Insurance Group · 12145 NW 7th Ave, North Miami, FL 33168 · (561) 956-3131 · or through our contact page.