Please read these Terms carefully before using this Website.
Last Updated: July 25, 2026
These Terms of Service are entered into by and between you and Sharpe Insurance Solutions ("Company," "we," or "us"). The following terms, together with any documents expressly incorporated by reference (collectively, these "Terms"), govern your access to and use of our website (the "Website"), including any content, functionality, and services offered on or through the Website. By using the Website, you accept and agree to be bound by these Terms and our Privacy Policy (the "Privacy Policy"), which can be found in the Website footer and is incorporated herein by reference. If you do not agree to these Terms or the Privacy Policy, you must not access or use the Website.
The Website is offered and available only to users who are 18 years of age or older and fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms. If you do not meet these requirements, you must not access or use the Website.
Sharpe Insurance Solutions is an independent insurance agency. We provide information about Medicare insurance products and assist eligible individuals in comparing and enrolling in coverage offered by the insurance carriers we represent. We are not an insurance carrier and do not underwrite, issue, administer, or pay claims on any insurance policy.
Our consultation services are provided at no cost to you. If you enroll in a plan through us, we may receive compensation from the insurance carrier that issues your coverage. Enrollment is never a condition of receiving information or speaking with us.
We do not offer every plan available in your area. Any information we provide is limited to the plans we offer in your area. We represent only the carriers with which we are appointed and are licensed only in the states in which our agents hold an active insurance license.
Sharpe Insurance Solutions is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information on this Website. This Website contains information that may direct you to Medicare insurance services and is a solicitation for insurance. Calling the number listed or submitting your information may connect you with a licensed insurance agent.
To get information on all of your options, contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week.
The information on this Website is provided for general educational purposes only. It does not constitute legal, tax, financial, or medical advice, and it does not create an agent-client or fiduciary relationship. Plan availability, benefits, premiums, provider networks, and formularies change and vary by county and by plan year. Nothing on this Website should be relied on as a statement of the benefits, exclusions, or limitations of any specific plan. Only the official plan documents issued by the insurance carrier govern your coverage. Before making any decision about your coverage, review the plan's Evidence of Coverage and Summary of Benefits and speak with a licensed agent.
We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes. We encourage you to review these Terms each time you access the Website, as they are binding on you.
We reserve the right to withdraw or amend the Website, and any service or material we provide on the Website, in our sole discretion and without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website. You are responsible for (a) making all arrangements necessary for you to have access to the Website and (b) ensuring that all persons who access the Website through your internet connection are aware of these Terms and comply with them.
To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all information you provide is correct, current, and complete. You agree that all information you provide is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with that policy.
If you choose or are provided with a username, password, or any other piece of information as part of our security procedures, you must treat that information as confidential and must not disclose it to any other person or entity. You agree to notify us immediately of any unauthorized access to or use of your credentials or any other breach of security. We have the right to disable any username, password, or other identifier at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms.
You must be at least eighteen (18) years of age to use this Website or to engage with any communications, programs, or services offered by Sharpe Insurance Solutions. By using this Website or submitting your information, you represent and warrant that you are at least 18 years old and legally capable of entering into a binding agreement. If you are under 18, you are prohibited from using this Website or any services we provide.
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Violation of this section is strictly prohibited without the express written permission of the Company. To request permission, contact us at (405) 761-8006.
These Terms permit you to use the Website for your personal, non-commercial use only. You must not sell, license, rent, copy, reproduce, transmit, distribute, modify, create derivative works from, publicly display, publicly perform, republish, adapt, edit, download, store, or transmit any of the material on our Website, with the following exceptions: (1) your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials; (2) you may store files that are automatically cached by your web browser for display enhancement purposes; (3) you may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution; and (4) if we provide social media features with certain content, you may take such actions as are enabled by those features.
You must not (1) modify copies of any materials from the Website; (2) use any illustrations, photographs, video or audio sequences, or graphics from the Website separately from the accompanying text; or (3) delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Website. You must not access or use for any commercial purpose any part of the Website or any services or materials available through it.
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of these Terms, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on it is transferred to you, and all rights not expressly granted are reserved by the Company.
Sharpe Insurance Solutions prohibits the posting of any content that violates or infringes the copyright or other intellectual property rights (including rights of privacy and publicity) of any person or entity. If you believe that any material on this Website infringes your copyright or other intellectual property rights, notify us of your claim in accordance with the following procedure. We will process notices of alleged infringement that we receive and will take appropriate action as required by the Digital Millennium Copyright Act (the "DMCA").
To be effective, the notification must be in writing and contain the following information (DMCA, 17 U.S.C. §512(c)(3)):
You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website (a) in any way that violates any applicable federal, state, local, or international law or regulation; (b) for the purpose of exploiting, harming, or attempting to exploit or harm minors in any way; (c) to send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Content Standards set out in these Terms; (d) to transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any "junk mail," "chain letter," or "spam"; (e) to impersonate or attempt to impersonate the Company, a Company agent or employee, another user, or any other person or entity; or (f) to engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or that may harm the Company or its users or expose them to liability.
Additionally, you agree not to (1) use the Website in any manner that could disable, overburden, damage, or impair it or interfere with any other party's use; (2) use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of its material; (3) use any manual process to monitor or copy any of the material on the Website for any unauthorized purpose without our prior written consent; (4) use any device, software, or routine that interferes with the proper working of the Website; (5) introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (6) attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which it is stored, or any server, computer, or database connected to it; (7) attack the Website via a denial-of-service or distributed denial-of-service attack; or (8) otherwise attempt to interfere with the proper working of the Website.
The Website may contain forms, comment features, reviews, or other interactive features (collectively, "Interactive Services") that allow users to post, submit, publish, display, or transmit content or materials (collectively, "User Contributions"). All User Contributions must comply with the Content Standards set out in these Terms.
Any User Contribution you post to the Website will be treated as non-confidential and non-proprietary. By providing any User Contribution, you grant us and our licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose. Please do not submit health information, Medicare numbers, Social Security numbers, or other sensitive personal details through any public or interactive feature of the Website; share that information only through a direct conversation with a licensed agent or a secure form we provide for that purpose.
You represent and warrant that (a) you own or control all rights in and to your User Contributions and have the right to grant the license above, and (b) all of your User Contributions comply with these Terms. You understand and acknowledge that you are responsible for any User Contributions you submit, including their legality, reliability, accuracy, and appropriateness. We are not responsible, or liable to any third party, for the content or accuracy of any User Contributions.
We have the right to (a) remove or refuse to post any User Contributions for any or no reason in our sole discretion; (b) take any action with respect to any User Contribution that we deem necessary or appropriate, including if we believe it violates these Terms, infringes any right of any person or entity, threatens the personal safety of users or the public, or could create liability for the Company; (c) disclose your identity or other information about you to any third party who claims that material posted by you violates their rights; (d) take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Website; and (e) terminate or suspend your access to all or part of the Website for any or no reason, including any violation of these Terms.
Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS THE COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER THE COMPANY OR LAW ENFORCEMENT AUTHORITIES.
We cannot and do not undertake to review all material before it is posted on the Website and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party.
These content standards apply to any and all User Contributions and use of Interactive Services. User Contributions must comply in their entirety with all applicable federal, state, local, and international laws and regulations.
Without limiting the foregoing, User Contributions must not: (a) contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable; (b) promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age; (c) infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person; (d) violate the legal rights (including rights of publicity and privacy) of others or contain any material that could give rise to civil or criminal liability; (e) be likely to deceive any person; (f) promote any illegal activity, or advocate, promote, or assist any unlawful act; (g) cause annoyance, inconvenience, or needless anxiety, or be likely to upset, embarrass, alarm, or annoy any other person; (h) impersonate any person or misrepresent your identity or affiliation with any person or organization; (i) involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising; or (j) give the impression that they emanate from or are endorsed by us, by any insurance carrier, or by any government agency, if that is not the case.
The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on it is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
This Website may include content provided by third parties, including insurance carriers and third-party licensors, syndicators, aggregators, or reporting services. All statements and opinions expressed in those materials are solely the opinions and the responsibility of the person or entity providing them and do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by third parties.
We may update the content on this Website from time to time, but its content is not necessarily complete or up to date. Plan information in particular changes each plan year. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update it.
All information we collect on this Website is subject to our Privacy Policy, which is incorporated herein by reference. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
By providing your mobile phone number and opting in to receive communications from Sharpe Insurance Solutions, you agree to receive SMS text messages and phone calls related to:
Message frequency may vary depending on your interaction with our agency. Consent to receive SMS messages is not a condition of purchasing any insurance product or of receiving information from us.
You may opt out of receiving SMS messages from Sharpe Insurance Solutions at any time by replying STOP to any text message you receive from us. After you send STOP, you may receive one final message confirming your opt-out request. For assistance, reply HELP or contact us directly at (405) 761-8006. Opting out of messages does not cancel, change, or otherwise affect any insurance coverage you hold.
Message and data rates may apply to any messages sent to you from us and to us from you. Please contact your wireless provider for information about your messaging and data plan rates.
Wireless carriers are not liable for delayed or undelivered messages.
We respect your privacy. Your mobile phone number and SMS consent information will never be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes. For additional information on how we collect and use your information, please review our Privacy Policy.
Some calls with our office may be monitored or recorded and retained for compliance, quality assurance, and training purposes. Medicare marketing rules require certain sales calls to be recorded in their entirety and retained for a period established by the Centers for Medicare & Medicaid Services. By calling us or requesting a call, you consent to such recording.
No products or services are sold or paid for through this Website. Insurance coverage is issued only by the insurance carrier, subject to that carrier's application, eligibility rules, and enrollment periods, and premiums are billed and collected by the carrier or by Medicare, not by us. Submitting a form or speaking with an agent does not bind coverage, guarantee eligibility, or complete an enrollment. Coverage takes effect only when the carrier accepts and approves your enrollment.
You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express written consent.
If the Website contains links to other sites and resources provided by third parties, including insurance carriers and Medicare.gov, those links are provided for your convenience only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any third-party website linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use of that website.
The owners of the Website are based in the United States. We provide this Website for use only by persons located in the United States, and our agents are licensed to offer insurance products only in the states where they hold an active license and carrier appointment. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE, OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.
WE MAKE NO GUARANTEE THAT ANY PARTICULAR PLAN, BENEFIT, PREMIUM, PROVIDER, OR PRESCRIPTION WILL BE AVAILABLE TO YOU, THAT YOU WILL QUALIFY FOR ANY PARTICULAR COVERAGE, OR THAT ANY APPLICATION WILL BE ACCEPTED BY A CARRIER.
IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES, LOST PROFITS OR REVENUES, OR DIMINUTION IN VALUE, ARISING OUT OF OR RELATING TO ANY BREACH OF THESE TERMS OR YOUR USE OF THE WEBSITE OR OUR SERVICES, REGARDLESS OF (A) WHETHER SUCH DAMAGES WERE FORESEEABLE, (B) WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND (C) THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT, OR OTHERWISE) UPON WHICH THE CLAIM IS BASED. OUR SOLE AND ENTIRE MAXIMUM LIABILITY, FOR ANY REASON, AND YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY CAUSE WHATSOEVER RELATED TO THE WEBSITE OR OUR SERVICES SHALL BE LIMITED TO THE GREATER OF THE AMOUNT YOU HAVE PAID US, IF ANY, OR ONE HUNDRED DOLLARS ($100.00).
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. CLAIMS RELATING TO INSURANCE COVERAGE, BENEFITS, OR CLAIM PAYMENTS ARE THE RESPONSIBILITY OF THE ISSUING INSURANCE CARRIER AND ARE GOVERNED BY THE TERMS OF THE APPLICABLE POLICY OR EVIDENCE OF COVERAGE.
You agree to defend, indemnify, and hold harmless the Company, its licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website, including but not limited to your User Contributions, any use of the Website's content and services other than as expressly authorized in these Terms, or your use of any information obtained from the Website.
All matters relating to the Website and these Terms, and any dispute or claim arising therefrom or related thereto (in each case including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Oklahoma without giving effect to any choice or conflict of law provision or rule.
Any legal suit, action, or proceeding commenced by you and arising out of or related to these Terms or the Website shall be instituted exclusively in the state or federal courts located in Oklahoma County, Oklahoma. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
At the Company's sole discretion, it may require you to submit any disputes arising from these Terms or the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Oklahoma law.
No waiver by the Company of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms will continue in full force and effect.
These Terms and the other documents specifically incorporated herein constitute the sole and entire agreement between you and the Company with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Website. They do not modify or supersede the terms of any insurance policy, which are governed solely by the documents issued by the insurance carrier.
If you need to contact us, please reach out by phone or email:
Sharpe Insurance Solutions
Josh Sharpe, Licensed Insurance Agent
12500 Heathfield Lane
Oklahoma City, OK 73173
Phone: (405) 761-8006
Email: [email protected]