Advisecare Insurance is a trade name of Witkowski Insurance Group.

By accessing or using our website, services, or products (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

1. Acceptance of Terms

By using our Services, you affirm that you are at least 18 years old or have the legal authority to accept these Terms on behalf of a minor. You also agree to comply with all applicable laws and regulations.

2. Changes to Terms

We may modify these Terms from time to time. We will notify you of any material changes by updating the “Effective Date” at the top of this page. Your continued use of our Services after any changes indicates your acceptance of the revised Terms.

3. Communication Consent

By providing your contact information (e.g., name, email address, phone number), you consent to receive communications from us via SMS, email, or phone calls. This includes, but is not limited to:

Marketing and promotional messages

Updates about our products and services

Important announcements and notices

You can opt out of receiving communications at any time by following the instructions in the message or contacting us at

[email protected].

Reply STOP to opt out or HELP for assistance. Message and data rates may apply.

4. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting your contact details. Providing false information may result in the inability to contact you or the termination of services.

5. User Accounts

To use certain features of our Services, you may be required to create an account. You agree to provide accurate and current information during the registration process and to keep this information updated. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

6. Prohibited Activities

When using our Services, you agree not to:

Use the Services for any unlawful purposes

Submit false or misleading information

Violate any intellectual property rights

Engage in any activity that may disrupt or interfere with the functionality of the Services

Attempt to gain unauthorized access to our systems or networks

7. Intellectual Property

All content, trademarks, and intellectual property displayed on or used in connection with our Services are owned by or licensed to Witkowski Insurance Group LLC. You may not reproduce, distribute, or create derivative works based on this content without our prior written permission.

8. Payments

AdviseCare Insurance does not directly process insurance premium payments. Payments for insurance products are made directly to the insurance carriers. Any separate service fees charged by AdviseCare Insurance are non-refundable unless otherwise stated in writing.

9. Disclaimer of Warranties

Our Services are provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the Services will be error-free, uninterrupted, or secure.

Nothing in these Terms shall limit our responsibilities or obligations as a licensed insurance agency under applicable state and federal laws.

10. Limitation of Liability

To the fullest extent permitted by law, Witkowski Insurance Group LLC will not be liable for any indirect, incidental, special, or consequential damages arising out of your use of or inability to use the Services, even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless Witkowski Insurance Group  LLC, its officers, directors, employees, and agents, from any claims, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising from your use of the Services or violation of these Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Services at any time, without notice or liability, for any reason, including if you violate these Terms.

13. Contact Information

If you have any questions or concerns about these Terms, please contact us at: [email protected]