Terms of Use
Last updated: April 2026
Acceptance of Terms
By accessing or using the Morningside Health & Risk website (the “Site”), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. We reserve the right to modify these terms at any time, and your continued use of the Site following any changes constitutes your acceptance of the revised terms.
Use of the Site
The content on this Site is provided for general informational purposes only. It does not constitute insurance advice, legal advice, or a binding offer of coverage. Nothing on this Site creates an insurance policy, modifies an existing policy, or constitutes a commitment to provide coverage.
You may use the Site for lawful purposes only. You agree not to use the Site in any manner that could damage, disable, overburden, or impair our servers or networks, or that could interfere with any other party's use of the Site.
Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, and software, is the property of Morningside Health & Risk or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.
No Insurance Advice
The information provided on this Site is general in nature and does not take into account your specific insurance needs, financial situation, or risk profile. Coverage availability, eligibility, and terms vary by individual, entity, state, and carrier. Always consult directly with a licensed insurance professional before making any coverage decisions.
Morningside Health & Risk is a licensed insurance broker authorized by the New York State Department of Financial Services under producer license #1962161. We are licensed to conduct insurance business in New York State. Licensing details can be verified through the NY DFS public license inquiry portal.
Third-Party Links
The Site may contain links to third-party websites. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content or practices of any third-party sites. Accessing any third-party site through a link on this Site is at your own risk.
Limitation of Liability
To the fullest extent permitted by law, Morningside Health & Risk shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content. Our total liability for any claim arising out of or relating to these Terms or your use of the Site shall not exceed one hundred dollars ($100).
Disclaimer of Warranties
This Site is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising under these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in New York County, New York.
Contact
Questions about these Terms of Use may be directed to us at hello@mnshc.com or by mail at 545 Fifth Avenue, Suite 1400, New York, NY 10017.