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Terms and Conditions

Your Terms and Conditions section is like a contract between you and your customers. You make information and services available to your customers, and your customers must follow your rules.


Common items in a terms and conditions agreement allow you to:

  • Withdraw and cancel services, and make financial transactions.
  • Manage customer expectations, such as liability for information errors or website downtime.
  • Explain your copyright rules, such as attribution, adaptation, commercial or non-commercial use, etc.
  • Set rules for user behavior, like forbidding unlawful behavior, hate speech, bullying, promotions, spam, etc.
  • Disable user accounts.
  • Write down any other terms or conditions that protect you or your audience.

Return and Refund Policy

This is a place to describe your Return and Refund Policy to buyers.


A Return and Refund policy usually consists of:

  • Terms of return (i.e. number of days)
  • State of return (e.g. unworn)
  • Reason for return (e.g. damaged or wrong product)
  • Process for return (i.e. how to initiate a return, how to contact customer service)
  • Process of refund (i.e. terms of refund, duration, payment details)
  • Contact details

Everett Malbrough Maryland License# 3002525276. 

Consuela Malbrough Maryland License# 3001803197 

Copyright © 2023 Malbrough Insurance Brokers. All Rights Reserved.

This call may be recorded for quality assurance or training purposes. We do not offer every plan available in your area. Currently, we represent 0-78 organizations which offer 0-2,613products in your area. Please contact medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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