Welcome to Caprio Health. By using this website, you agree to these terms. Caprio Health is operated by Ryan Caprio, an independent, licensed insurance broker (NPN 22091157) based in Tampa, Florida. This site is intended for people 18 or older who use it for personal, non-commercial purposes. Please don't misuse the site, for example by trying to disrupt it, access it in an unauthorized way, or scrape or copy it at scale.
Informational purpose only
The content on this site, including the Health Insurance 101 guides, is provided for general educational purposes. It is not individualized insurance, legal, tax, or financial advice, and it does not create a broker-client relationship on its own. Insurance products, availability, pricing, and terms vary by state, carrier, and individual circumstances. Always confirm specifics with a licensed professional and the applicable carrier before making a decision.
No guarantee of coverage
Nothing on this site is an offer of insurance or a guarantee that any particular plan, price, or coverage is available to you. Eligibility and rates are determined by insurance carriers, subject to underwriting and applicable law.
Licensing
Ryan Caprio is licensed in the states listed on the license verification page. Services are offered only in states where he holds an active license. You can independently confirm license status through the regulator lookups linked on that page.
Accuracy of information
We work to keep information current and accurate, but content may change without notice and may contain errors or omissions. We make no warranties about the completeness or reliability of the information on this site.
Site provided "as is"
This website and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
Our content
The content on this site, including text, guides, the Caprio Health name, and the shield logo, belongs to Caprio Health or is used with permission. You're welcome to read and share links to it, but please don't copy, reproduce, or reuse it for commercial purposes without our permission.
Contacting you
If you give us your phone number or email, or text us, you agree we may contact you about your inquiry, including by call, text, and email. Message and data rates may apply, and you can opt out of texts at any time by replying STOP. How we handle your information is described in our Privacy Policy.
External links
This site links to third-party websites (such as carrier portals, scheduling tools, and regulator lookups) for your convenience. We are not responsible for the content, accuracy, or privacy practices of those external sites.
Limitation of liability
To the fullest extent permitted by law, Caprio Health and Ryan Caprio are not liable for any indirect, incidental, special, or consequential damages arising from your use of, or reliance on, this website or its content, even if we've been advised such damages are possible. Your use of the site is at your own risk.
Governing law and disputes
These terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Any dispute arising from these terms or your use of this site will be brought exclusively in the state or federal courts located in Hillsborough County, Florida, and you consent to that jurisdiction.
Changes to these terms
We may update these terms from time to time. Changes take effect when posted, and the "Last updated" date above reflects the most recent version. If you keep using the site after we post changes, that means you accept the updated terms.
General
If any part of these terms is found to be unenforceable, the rest still apply. These terms, together with our Privacy Policy, are the entire agreement between you and Caprio Health regarding your use of this website.
Contact
Questions about these terms? Contact Ryan Caprio at rcaprio@capriohealth.com or (904) 508-8352.