Effective Date: March 1, 2026
These Terms of Service ("Terms") govern your access to and use of the website minnesotaownyourfuture.com (the "Site") and the insurance advisory services provided by Minnesota Own Your Future ("Minnesota Own Your Future," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Site immediately.
By visiting the Site, submitting forms, adding products to your cart, or engaging with our services in any way, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and Minnesota Own Your Future.
We may modify these Terms at any time by posting updated terms on this page. Material changes will be indicated by an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
Minnesota Own Your Future provides insurance advisory and brokerage services, including:
Minnesota Own Your Future acts as an insurance agency and broker. We are not an insurance carrier. All policies are underwritten and issued by third-party insurance companies subject to their own terms, conditions, and underwriting guidelines.
When using the Site and our services, you agree to:
You are solely responsible for maintaining the confidentiality of any information stored locally on your device, including cart data saved in browser local storage.
All prices, premiums, and coverage amounts displayed on the Site — including featured plan pricing and cart totals — are estimates for illustrative and informational purposes only. They do not constitute a binding offer, contract, or guarantee of coverage or rate.
Final premiums, coverage terms, exclusions, and eligibility are determined solely by the underwriting insurance carrier after review of your complete application, medical history (where applicable), and other underwriting factors. Quotes may change based on information discovered during underwriting.
Minnesota Own Your Future makes reasonable efforts to keep Site content accurate and current but does not warrant that all product descriptions, pricing, or availability information is error-free or up to date at all times.
All content on the Site — including text, graphics, logos, icons, images, audio clips, software, and the overall design and layout — is the property of Minnesota Own Your Future or its content licensors and is protected by United States and international copyright, trademark, and intellectual property laws.
You may view, download, and print Site content for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any Site content without our prior written consent.
The Minnesota Own Your Future name, logo, and associated marks are trademarks of Minnesota Own Your Future. Unauthorized use of these marks is strictly prohibited.
The Site may contain links to third-party websites, including insurance carrier portals, payment processors, and educational resources. These links are provided for convenience only. Minnesota Own Your Future does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party site.
Your interactions with third-party services are governed by their respective terms and policies. We encourage you to review those terms before providing any personal information to third parties.
The Site and all services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not guarantee the accuracy, completeness, or usefulness of any information on the Site.
Insurance advice provided through the Site or by our advisors is general in nature and may not apply to your specific situation. You should consult with qualified professionals before making insurance decisions.
To the fullest extent permitted by applicable law, Minnesota Own Your Future and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or our services, including but not limited to loss of profits, data, goodwill, or other intangible losses.
Our total cumulative liability to you for any claims arising under these Terms shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim, or one hundred dollars ($100), whichever is greater.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless Minnesota Own Your Future and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms, your use of the Site, or your provision of inaccurate or misleading information.
These Terms shall be governed by and construed in accordance with the laws of the United States and applicable state law, without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to binding arbitration administered under the rules of the American Arbitration Association, except where prohibited by law.
You agree that any legal action or proceeding related to these Terms shall be brought exclusively in the federal or state courts located within the United States, and you consent to the personal jurisdiction of such courts.
We reserve the right to suspend or terminate your access to the Site at any time, with or without cause and with or without notice, if we believe you have violated these Terms or engaged in conduct harmful to Minnesota Own Your Future or other users. Upon termination, provisions that by their nature should survive — including intellectual property, disclaimers, limitation of liability, and governing law — shall remain in effect.
We reserve the right to modify, suspend, or discontinue any aspect of the Site or our services at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Site or services.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
If you have questions about these Terms of Service, please contact us:
Minnesota Own Your Future
Email: hello@minnesotaownyourfuture.com
Website: minnesotaownyourfuture.com