Terms of Service

Last updated: July 23, 2026

These Terms of Service ("Terms") govern your access to and use of armadillohealth.com (the "Site"), operated by Armadillo Health. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

About Armadillo Health

Armadillo Health is an independent health insurance advisory business founded by Kevin McCarthy, a licensed insurance producer (NPN #14158956) operating across multiple states. Armadillo Health is not an insurance company and does not underwrite, issue, or guarantee any insurance policy. We help individuals, self-employed workers, 1099 contractors, and small businesses understand and compare health insurance options offered by licensed carriers.

Use of the Site

You may use this Site for lawful, personal, non-commercial purposes related to researching or requesting information about health insurance options. You agree not to:

Use the Site in any way that violates applicable federal, state, or local law

Attempt to gain unauthorized access to any portion of the Site or its underlying systems

Use any automated system (bots, scrapers, etc.) to access the Site without our prior written consent

Misrepresent your identity or provide false information when submitting a form or requesting a quote

No Insurance Advice or Guarantee of Coverage

Content on this Site — including plan comparisons, calculators, glossary definitions, and blog articles — is provided for general informational purposes only. It does not constitute insurance, legal, tax, or financial advice, and it is not a guarantee of eligibility, coverage, pricing, or plan availability. Actual plan terms, premiums, and eligibility are determined solely by the applicable insurance carrier and are subject to change without notice. Nothing on this Site should be treated as a binding offer of coverage.

Any calculators or estimating tools on this Site provide rough, general estimates only and are not a substitute for a personalized quote or consultation.

Independent Advisor / Compensation Disclosure

Kevin McCarthy operates as an independent insurance advisor and is compensated by insurance carriers, typically in the form of commissions, when a policy is sold. You are never charged a fee by Armadillo Health for consultation, quotes, or plan comparisons.

Intellectual Property

All content on the Site — including text, graphics, logos, and design elements — is the property of Armadillo Health or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from Site content without our prior written permission.

Third-Party Links

The Site may contain links to third-party websites, including insurance carrier sites and scheduling tools (such as Calendly). We do not control and are not responsible for the content, privacy practices, or terms of any third-party site. Visiting a linked site is at your own risk.

Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or that any information provided is complete, accurate, or current.

Limitation of Liability

To the fullest extent permitted by law, Armadillo Health and Kevin McCarthy shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the Site or reliance on any information contained on it.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Florida.

Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with a revised "Last updated" date. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Armadillo Health 1550 Sawgrass Corporate Pkwy, Sunrise, FL 33323 Email: kmacchealth@gmail.com Phone: (954) 800-9802