Last updated: February 26, 2026
By accessing or using the website operated by Joseph Fedor ("we," "us," or "our") at fedorinsurance.netlify.app (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.
This Site provides information about the life insurance brokerage services offered by Joseph Fedor, a licensed life insurance broker (NPN: 21018076). The Site allows visitors to:
The information on this Site is for general informational purposes only and does not constitute insurance advice, a quote, or an offer of coverage. All insurance products are subject to the terms, conditions, limitations, and exclusions of the specific policy issued by the applicable insurance carrier.
The content on this Site is provided for informational purposes and should not be construed as professional insurance or financial advice. Insurance needs vary by individual, and the information presented here may not apply to your specific situation. You should consult directly with Joseph Fedor or another qualified insurance professional before making any insurance decisions.
Submitting a contact form or scheduling a consultation does not guarantee insurance coverage or a policy offer. All insurance applications are subject to underwriting review and approval by the respective insurance carrier. Joseph Fedor acts as an independent broker and does not make underwriting decisions.
Joseph Fedor is a licensed life insurance broker holding active licenses in 40+ states. Copies of state licenses are available for viewing on this Site. Insurance services are only provided in states where Joseph Fedor holds an active license. If your state is not listed, please contact us for more information.
You agree to use this Site only for lawful purposes and in a manner that does not infringe upon the rights of others. Specifically, you agree not to:
All content on this Site — including text, graphics, logos, design elements, and layout — is the property of Joseph Fedor or used with permission, and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without prior written consent.
This Site integrates with third-party services, including:
Your use of these third-party services is subject to their respective terms and privacy policies. We are not responsible for the practices or content of third-party services.
When you submit information through our contact form, you consent to being contacted by Joseph Fedor regarding your inquiry. We will use the information you provide solely for the purpose of responding to your request and, if applicable, providing insurance-related services. For more details on how your information is handled, please review our Privacy Policy.
This Site is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the Site's accuracy, reliability, availability, or fitness for a particular purpose. While we strive to keep the information on this Site current and accurate, we do not guarantee that all content is error-free or up to date.
To the fullest extent permitted by law, Joseph Fedor shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
You agree to indemnify and hold harmless Joseph Fedor from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts located in the State of Ohio.
We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site following any changes constitutes acceptance of the revised Terms.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.
If you have questions about these Terms of Service, please contact us: