Last updated: March 2, 2026
These Terms of Service ("Terms") govern your use of the Figueroa Family Insurance website and services, operated by O7Carrera LLC ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms.
Figueroa Family Insurance operates as a health insurance advisory service. We help individuals and families compare and enroll in health insurance plans from various carriers. We are independent advisors and do not underwrite or issue insurance policies directly. All insurance policies are issued by the respective insurance carriers.
Information provided on this website, including plan descriptions, pricing references, and savings estimates, is for general informational purposes only. Actual coverage, premiums, deductibles, and benefits are determined by the insurance carrier through their underwriting process. We do not guarantee any specific coverage, pricing, or approval.
References to potential savings (including "Up to 40% savings") are estimates based on comparisons between underwritten plan premiums and equivalent ACA marketplace plan premiums for qualifying healthy individuals. Actual savings vary based on individual health profile, age, location, and plan selection. Past savings results do not guarantee future outcomes.
The information on this website does not constitute medical, legal, tax, or financial advice. We are insurance advisors, not licensed attorneys, physicians, or financial planners. Consult with appropriate professionals for medical, legal, or tax-related decisions.
This website contains advertising material for health insurance products. All claims regarding plan features, benefits, and pricing are subject to the terms and conditions of the specific insurance policies issued by the respective carriers. Coverage descriptions on this website are summaries only and do not constitute the full terms of any insurance policy.
When using our website and services, you agree to:
All content on this website, including text, graphics, logos, and design, is the property of O7Carrera LLC or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our written permission.
To the fullest extent permitted by law, O7Carrera LLC and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website or services. Our total liability for any claim shall not exceed the amount you paid us for services in the twelve months preceding the claim.
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of these external sites.
Your use of our website is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.
These Terms are governed by the laws of the State of Florida, without regard to conflict of law provisions. Any disputes arising from these Terms shall be resolved in the courts of Hillsborough County, Florida.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Continued use of the website after changes constitutes acceptance of the modified Terms.
If you have questions about these Terms, please contact us:
Figueroa Family Insurance (DBA of O7Carrera LLC)
Tampa, FL
Phone: (813) 270-9076
Email: Figshealthinsurance@gmail.com