Terms, Cookies, Disclaimers & Legal

Legal Notices & Disclosures

Effective Date: July 10, 2026

Pandora Insurance is committed to providing accurate information, protecting consumer privacy, and complying with applicable federal and state insurance regulations. The following notices apply to your use of this website and our insurance services.


Website Terms of Use

By accessing or using this website, you agree to comply with these Terms of Use. If you do not agree with these terms, please discontinue use of this website.

The information provided on this website is for general informational purposes only and does not constitute legal, financial, tax, or insurance advice. Insurance products, rates, benefits, eligibility, and availability vary by carrier, state, underwriting guidelines, and individual circumstances.

Pandora Insurance reserves the right to modify, update, or discontinue any content, services, or features of this website at any time without prior notice.

Unauthorized use of this website may result in legal action.


Insurance Licensing Disclosure

Pandora Insurance is a licensed insurance agency authorized to conduct insurance business in states where properly licensed.

Insurance products are offered through licensed insurance agents and producers. Not all products, carriers, or plans are available in every state or county.

Coverage, premiums, benefits, provider networks, and eligibility requirements vary by carrier and location.

Submitting information through this website does not guarantee coverage, enrollment, or acceptance by any insurance carrier.


Medicare Disclaimer

We do not offer every plan available in your area. Currently, we represent [XX] organizations which offer [XX] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.


No Government Affiliation

Pandora Insurance is a privately owned insurance agency.

We are not affiliated with, endorsed by, or acting on behalf of:

  • The United States Government
  • Medicare
  • Medicaid
  • The Centers for Medicare & Medicaid Services (CMS)
  • Healthcare.gov
  • Any federal or state government agency

Accessibility Statement

Pandora Insurance is committed to making our website accessible and usable for all visitors, including individuals with disabilities.

We continually strive to improve the accessibility of our website and follow generally recognized accessibility standards whenever practical.

If you experience difficulty accessing any information on this website or need assistance, please contact us.

Phone: [Phone Number]

Email: [Email Address]

We will make reasonable efforts to provide information in an accessible format.


Do Not Call Policy

Pandora Insurance maintains an internal Do Not Call list in accordance with applicable federal and state laws.

If you request not to receive telephone solicitations from Pandora Insurance, we will promptly place your telephone number on our internal Do Not Call list.

To make a Do Not Call request, please contact us using the information provided on our Contact page.

Your request will remain in effect unless you ask us to remove it or applicable law requires otherwise.


Electronic Communications

By communicating with Pandora Insurance electronically, including through website forms, email, or text messaging where consent has been provided, you agree that we may communicate with you electronically regarding your inquiry or requested services.

Electronic communications satisfy any legal requirement that communications be provided in writing where permitted by law.


Website Information

While Pandora Insurance makes reasonable efforts to keep the information on this website accurate and current, we do not guarantee that all information is complete, accurate, or up to date at all times.

Insurance carriers frequently change:

  • Rates
  • Benefits
  • Networks
  • Formularies
  • Underwriting guidelines
  • Eligibility requirements

Consumers should verify current plan details before enrolling.


Third-Party Websites

This website may contain links to third-party websites for your convenience.

Pandora Insurance does not control, endorse, or assume responsibility for the privacy practices, content, or availability of third-party websites.

Accessing third-party websites is at your own risk.


Intellectual Property

All website content, including text, graphics, logos, icons, images, videos, page layouts, and other materials, is the property of Pandora Insurance or its licensors unless otherwise noted.

No content may be copied, reproduced, distributed, modified, or republished without prior written permission.


No Guarantee of Coverage

Completing a quote request, submitting information, speaking with an insurance agent, or applying for insurance does not guarantee:

  • Coverage approval
  • Enrollment
  • Policy issuance
  • Eligibility
  • Premium amounts

Final decisions are made solely by the insurance carrier according to applicable underwriting and enrollment rules.


Availability of Products

Products and services described on this website may not be available in all states, counties, or geographic service areas.

Availability is subject to carrier participation, licensing requirements, and applicable laws.


Cookies

This website uses cookies and similar technologies to improve website performance, analyze visitor activity, remember user preferences, and enhance your browsing experience.

By continuing to use this website, you consent to the use of cookies as described in our Privacy Policy.

You may disable cookies through your browser settings; however, some website functionality may be affected.


Contact Consent Notice

By voluntarily submitting information through any form on this website, you authorize Pandora Insurance to contact you regarding your inquiry using the contact information you provide.

Communications may include:

  • Telephone
  • Email
  • SMS/Text Message (where consent has been provided)

Providing consent is not a condition of purchasing insurance.

Message and data rates may apply for SMS communications.

Please review our Privacy Policy and SMS Terms & Conditions for additional information.


Changes to These Disclosures

Pandora Insurance reserves the right to update these Legal Notices & Disclosures at any time.

Changes become effective upon posting to this website.

Continued use of the website constitutes acceptance of the revised disclosures.


Contact Information

Pandora Insurance

Phone: +1 (305) 231-9898

Email: info@pandorainsurance.com

Website: https://pandorainsurance.com

 

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