Terms & Conditions

Effective Date: May 2026

Welcome to BrightPath Coverage LLC (“BrightPath Coverage,” “Company,” “we,” “our,” or “us”). By accessing or using this website, submitting information through our forms, requesting insurance-related information, or communicating with us by phone, SMS/text message, email, or other electronic methods, you agree to be bound by the following Terms & Conditions.

If you do not agree to these Terms & Conditions, please discontinue use of this website and related communication services.

1. COMPANY INFORMATION

BrightPath Coverage LLC
St. Augustine, Florida

Email: megan@brightpathcoveragegroup.com
Website: https://brightpathcoveragegroup.com

BrightPath Coverage LLC provides insurance-related communication, customer support, educational information, and assistance connecting consumers with licensed insurance professionals and insurance-related services.

2. NO INSURANCE, LEGAL, OR FINANCIAL ADVISE

Information provided on this website is for general informational purposes only and does not constitute insurance, legal, tax, or financial advice.

Submission of information through this website does not guarantee:

Approval for insurance coverage
Issuance of a policy
Specific pricing or premium rates
Eligibility for any insurance product

Coverage availability, eligibility, underwriting decisions, and premium pricing are determined by licensed insurance carriers in accordance with applicable underwriting guidelines and state regulations.

3. NO GUARANTEE OF COVERAGE

Submission of information through this website does not guarantee qualification, approval, issuance of coverage, or specific insurance rates or premiums.

Coverage availability, eligibility, underwriting decisions, and premium pricing are determined solely by licensed insurance carriers and applicable underwriting guidelines.

4. CONSENT TO COMMUNICATIONS

By submitting your information through the BrightPath Coverage website or directly communicating with BrightPath Coverage LLC, you expressly consent to receive communications from BrightPath Coverage LLC and its representatives, which may include:

Phone calls
SMS/text messages (SMS/MMS)
Emails
Prerecorded or artificial voice messages where permitted by law
Communications utilizing automated technologies where permitted by applicable law

Communications may be made for purposes including:

Responding to insurance-related inquiries
Appointment scheduling
Customer support
Policy-related communication
Account notifications
Service-related follow-up communication

Consent is not a condition of purchase.

Message frequency may vary.

Message and data rates may apply.

5. ELECTRONIC COMMUNICATION CONSENT

By using this website and submitting information through any website forms or communication channels, you consent to receive electronic communications from BrightPath Coverage LLC, including communications delivered by email, telephone, SMS/text messaging, or other electronic methods permitted by applicable law.

6. SMS TERMS OF SERVICE

By providing your phone number and submitting a form through the BrightPath Coverage website, you expressly consent to receive communications from BrightPath Coverage LLC, which may include:

Phone calls
SMS/text messages
Appointment reminders
Customer support communications
Insurance-related communications
Account-related notifications
Additional communications where separately authorized

These communications may utilize automated technologies or prerecorded messaging where permitted by applicable law.

Consent to receive communications is not a condition of purchase.

Message frequency may vary.

Message and data rates may apply.

You may opt out of SMS communications at any time by replying:

STOP to cancel
HELP for assistance

Mobile information and SMS consent will not be shared, sold, rented, or disclosed to third parties or affiliates for marketing or promotional purposes.

BrightPath Coverage LLC maintains records of consent in accordance with applicable TCPA, CTIA, and carrier compliance requirements.

Wireless carriers are not liable for delayed or undelivered messages.

7. AI-ASSISTED COMMUNICATIONS

BrightPath Coverage LLC may utilize AI-assisted technologies and automated communication tools to support customer communication, scheduling, call routing, transcription, operational efficiency, and quality assurance processes.

Calls and messages may be monitored or recorded for purposes including:

Quality assurance
Training
Compliance
Operational support

AI-assisted systems do not provide licensed insurance, legal, tax, or financial advice and do not make underwriting or binding coverage decisions.

8. TCPA COMPLIANCE

BrightPath Coverage LLC is committed to compliance with the Telephone Consumer Protection Act (“TCPA”) and all applicable federal and state communication laws and regulations.

If you no longer wish to receive communications from BrightPath Coverage LLC, you may:

Reply STOP to text messages
Request placement on our internal do-not-contact list
Contact us directly at megan@brightpathcoveragegroup.com

Opt-out requests are honored in accordance with applicable law and carrier compliance requirements.

Message frequency may vary. Message and data rates may apply.

9. USER RESPONSIBILITIES

By using this website, you agree that:

The information you provide is truthful, accurate, and complete

You are at least 18 years of age
You will not misuse, disrupt, or interfere with website operations or services
You will not attempt unauthorized access to systems, accounts, servers, or data associated with BrightPath Coverage LLC
You will use this website in compliance with all applicable laws and regulations

10. ELIGIBILITY

By using this website, you represent and warrant that you are at least 18 years of age and are legally capable of entering into binding agreements under applicable law.

11. INTELLECTUAL PROPERTY

All website content, branding, logos, graphics, text, designs, layouts, materials, and other intellectual property displayed on this website are the property of BrightPath Coverage LLC unless otherwise stated.

No website materials may be reproduced, distributed, modified, transmitted, published, or commercially exploited without the prior written consent of BrightPath Coverage LLC.

12. THIRD-PARTY SERVICES

This website may utilize or integrate third-party platforms, software providers, communication providers, hosting providers, analytics services, customer relationship management systems, and related operational tools to support website functionality, customer communication, scheduling, and business operations.

BrightPath Coverage LLC is not responsible for third-party outages, service interruptions, delivery failures, or issues beyond our reasonable control.

13. NO GUARANTEE OF AVAILABILITY

BrightPath Coverage LLC does not guarantee uninterrupted or error-free access to this website, communication systems, forms, messaging services, or related platform functionality.

Services, features, forms, communication methods, and website functionality may be modified, suspended, restricted, or discontinued at any time without prior notice.

14. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, BrightPath Coverage LLC shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of this website, communication services, or any information provided through the website.

This includes, but is not limited to:

Loss of data
Communication delays
Wireless carrier failures
Service interruptions
Technical malfunctions
Website downtime
Unauthorized access to communications or systems

Your use of this website, communication services, and related platforms is at your own risk.

15. PRIVACY

Your use of this website and related communication services is also governed by the BrightPath Coverage LLC Privacy Policy.

Please review our Privacy Policy here:

PRIVACY

16. FLORIDA LAW

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

Any disputes, claims, or controversies arising out of or relating to the use of this website, communication services, or related business activities shall be resolved exclusively in the appropriate state or federal courts located within the State of Florida.

17. CHANGES TO THESE TERMS

BrightPath Coverage LLC reserves the right to modify or update these Terms & Conditions at any time without prior notice.

Updated versions will be posted on this page with a revised effective date.

Continued use of this website, communication services, or related platforms following any updates constitutes acceptance of the revised Terms & Conditions.

18. CONTACT INFORMATION

BrightPath Coverage LLC
St. Augustine, Florida

Email: megan@brightpathcoveragegroup.com
Website: https://brightpathcoveragegroup.com

If you have any questions regarding these Terms & Conditions, communication practices, or website policies, please contact BrightPath Coverage LLC directly using the information provided above.

19. SEVERABILITY

If any provision of these Terms & Conditions is determined to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

20. ENTIRE AGREEMENT

These Terms & Conditions constitute the entire agreement between you and BrightPath Coverage LLC regarding the use of this website and related communication services and supersede any prior agreements or understandings relating to such use.