Legal & Privacy
Terms of Use
The terms that apply to your use of the Schram Insurance Planning website.
Draft for review. This page is a template prepared for Schram Insurance Planning and must be reviewed and approved by the agency's attorney or compliance professional before launch.
Last updated: 2026-07-29 · Policy version 1.0
Acceptance
By using this website you agree to these terms. If you do not agree, please do not use the site.
Informational purpose only
Content on this site is general information about insurance products. It is not insurance, legal, tax, financial or medical advice, and it does not create an agent-client relationship or bind coverage.
No guarantee of eligibility or coverage
Eligibility, pricing, benefits and approval are determined solely by the insurance carriers. Nothing on this site guarantees that you will qualify for a plan, save money, or receive coverage.
Solicitation notice
This website is intended as a solicitation for insurance. Contacting us may result in a licensed agent responding to your request.
Accuracy of information
Plan details change frequently. We work to keep information current but do not warrant that everything on this site is complete or up to date at all times. Always confirm details with the carrier before enrolling.
Acceptable use
Do not attempt to access areas of the site you are not authorized to use, interfere with its operation, submit false information, or submit another person's information without their permission.
Third-party links
Links to carrier sites, scheduling tools and government resources are provided for convenience. We are not responsible for the content or privacy practices of other sites.
Limitation of liability
To the extent permitted by law, Schram Insurance Planning LLC is not liable for indirect or consequential damages arising from use of this website.
Governing law and contact
[Governing state to be confirmed by the agency's attorney.] Questions about these terms may be directed to (313) 850-6033.