Terms of Use
Effective Date: October 1, 2025
Last Updated: October 1, 2025
Introduction
Welcome to MJSullivanJr.com. By accessing or using our website, you agree to the following Terms of Use. Please read them carefully.
Acceptance of Terms
By using this website, you agree to comply with and be bound by these Terms of Use, our Privacy Policy, and any applicable laws and regulations. If you do not agree, you must discontinue use of this site.
Licensed Insurance Services
Michael J. Sullivan, Jr. is a licensed Health and Life Insurance agent authorized to market and sell insurance products including Medicare plans, health insurance, life insurance, annuities, and retirement-related products. Licensing information is available upon request.
Informational & Marketing Purposes Only
The content on this website, and any advertising or social media content linked to this website (including Facebook, Instagram, YouTube, LinkedIn, and X), is provided for informational and marketing purposes only.
- It should not be considered legal, tax, investment, or medical advice.
- Insurance product availability, eligibility, and costs vary by state, carrier, and individual circumstances.
- Before making any decisions, you should review official plan documents or consult appropriate professionals.
Medicare & Compliance Disclaimers
- 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 visit Medicare.gov or call 1-800-MEDICARE for information about all your options.
- We are not connected with or endorsed by the U.S. government or the federal Medicare program.
- All marketing and advertising materials are intended to comply with CMS, state insurance departments, and the advertising policies of Facebook, Instagram, YouTube, LinkedIn, and X.
User Responsibilities
When using this website, you agree not to:
- Use the site for unlawful purposes or to violate any laws.
- Post or transmit harmful, misleading, or unauthorized content.
- Copy, reproduce, or distribute website content without permission.
Intellectual Property
All website content (text, images, logos, branding, videos) is the property of MJSullivanJr.com unless otherwise noted. Unauthorized use is prohibited.
Third-Party Links & Advertising
Our website and advertising may link to third-party websites (including insurance carriers and government sites). We are not responsible for the content, accuracy, or privacy practices of these external sites.
We may use social media and digital advertising platforms (including Facebook, Instagram, YouTube, LinkedIn, and X) to deliver targeted advertising. Use of these platforms is subject to their own terms and privacy policies.
Limitation of Liability
We make no warranties or guarantees regarding the accuracy, completeness, or reliability of website content. We are not liable for any damages or losses resulting from your use of this site or reliance on its content.
Indemnification
You agree to indemnify and hold harmless [Your Agency/Website Name], its agents, and employees from any claims, damages, or expenses resulting from your use of this website or violation of these Terms.
Changes to Terms
We reserve the right to update or modify these Terms of Use at any time. Updates will be posted on this page with a revised effective date.
Governing Law
These Terms are governed by the laws of the state in which [Your Agency/Website Name] is licensed and operates, without regard to conflict of law principles.
Contact Us
If you have any questions regarding these Terms of Use, please contact:
Michael J. Sullivan, Jr.
Licensed Health & Life Insurance Agent
10451 Mill Run Circle, Suite 400
Owings Mills, Maryland 21117
Mike@FidelityFirst.com
(410) 438-7500
California Addendum to Terms of Use
This California Addendum supplements the Terms of Use and applies to residents of California. It is intended to comply with the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) and to clarify California-specific rights and obligations.
1. Consumer Rights in California
California residents have the following rights regarding their personal information:
- Right to Know: You may request information about the categories of personal information we collect, use, or disclose.
- Right to Delete: You may request that we delete personal information we have collected about you, subject to certain exceptions.
- Right to Opt-Out: You may opt out of the sale or sharing of your personal information. We do not sell personal information; however, certain advertising practices may be considered sharing under California law.
- Right to Non-Discrimination: You will not be discriminated against for exercising your rights under California law.
2. How to Exercise California Rights
To exercise your California privacy rights related to this website or your use of our services, you may contact us by:
- Email: Mike@FidelityFirst.com
- Phone: (410) 438-7500
- Mail: 10541 Mill Run Circle, Suite 400, Owings Mills, Maryland 21117
We will verify your identity before fulfilling any requests. You may also designate an authorized agent to make a request on your behalf.
3. California Residents Under 16
If you are a California resident under 16 years of age, you must have opt-in consent from a parent or guardian to use this website for any personalized marketing purposes.