Legal · Disclosures

Everything we are, and everything we are not.

Utmost good faith means saying the uncomfortable things first — before you ask, and in words you do not need a lawyer to read.

The terms of use for this website are chapter V.

Disclosures · read before you rely on anything we say

IWho you are dealing with

Two columns. Read the second one twice.

Michelangelo is

A marketing and customer-acquisition agency, privately held, established in 2026 in Sheridan, Wyoming.
The operator of a shared office where independent, licensed specialists serve customers under one set of standards.
A business that places coverage with existing, licensed insurance carriers through licensed producers.

Michelangelo is not

An insurance company. Michelangelo does not underwrite, bear or pay insurance risk.
A member, affiliate or agent of Lloyd’s of London. The comparison describes a way of organizing, not a relationship.
Connected with or endorsed by the U.S. government, the federal Medicare program or the IRS.
A lender, a law firm, or a seller of securities, tokens or investment products.

IIBy line of business

The notices the law asks us to give — given plainly.

Health coverage

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
You may also enroll in Marketplace coverage directly at HealthCare.gov or through your state’s exchange. Your premium is the same whether or not you use a licensed agent.
Plan availability, benefits and costs vary by carrier and location and are set by the carrier, not by Michelangelo.

Credit & debt

You have the right to dispute inaccurate information in your credit report directly with the credit bureaus, at no cost. No one — including any credit repair company — can lawfully remove accurate, current and verifiable information.
No fee is charged for credit repair services until those services are fully performed. You may cancel a credit repair contract without penalty within three business days of signing it.
For debt relief, no fee is charged until at least one debt has been settled or resolved and you have made a payment under that settlement. Results are not guaranteed, and settling debt can affect your credit and may have tax consequences.

iii

Tax preparation

Returns are prepared by professionals holding a valid Preparer Tax Identification Number. Michelangelo is not affiliated with the IRS or any state tax agency.
We use your tax return information only to prepare and file your return. We do not use it for any other purpose, or disclose it, without your separate written consent.
You are responsible for the accuracy and completeness of the information you provide, and for reviewing your return before you sign it.

Calls, texts & email

Consent to receive calls or texts is never a condition of any purchase. Message and data rates may apply. Reply STOP to any text to opt out; tell any caller and we will stop.
Submitting a form on this website does not authorize marketing calls or texts.
Calls with licensed specialists may be recorded for quality, training and compliance.

IIIHow we are paid

Follow the money. We will show you where it goes.

Knowing how an adviser is paid is the first defence against advice that serves the adviser. Ask us about any product, any time.

Carrier commissions: When a health plan is placed, the carrier pays a commission. It is built into the carrier’s pricing; it does not raise your premium.
Service fees: Credit, debt and tax work may carry a fee. It is stated in writing before any work begins and is never collected before the law allows.
Marketing clients: As an agency we are paid by businesses for advertising and customer-acquisition work, under written agreements.
Where interests differ: Some carriers pay more than others. A recommendation must rest on what fits your needs, and you may ask how we are paid on any product we discuss.

IVPlans, proposals and comparisons

What is proposed is not yet real.

Forward-looking statements

Descriptions of plans, structures, phases and roadmaps — including governance, capital and underwriting — are intentions. They depend on regulators, counsel, capital and markets, and may change or never happen.

No offer of securities

Nothing on this website is an offer to sell, or a solicitation to buy, any security, token or interest. Any future offering would be made only through lawful offering documents.

Investor relations →

The Lloyd’s comparison

We describe Michelangelo as modeled on Lloyd’s of London to explain how it is organized. Lloyd’s names belong to the Society of Lloyd’s; we have no affiliation with it.

Governance →

VTerms of use

Terms of Use

Last updated November 3, 2026

The terms that apply when you use michelangelo.agency. Services themselves are provided only under a separate written agreement.

01Acceptance

By using michelangelo.agency you agree to these terms, together with the disclosures above. If you do not agree, please do not use the site.

02About the site

This website describes the marketing services of Hated By Many LLC (“Michelangelo”). Content is general information, not a binding offer. Services are provided only under a separate written agreement.

03No professional advice

Nothing on this site is insurance, legal, tax, credit or financial advice. Michelangelo does not represent that it holds licenses in the industries it describes; regulated services, where offered, are provided by appropriately licensed professionals or partners under their own terms.

04Intellectual property

The site’s design, text and graphics belong to Michelangelo or its licensors. You may view and share pages for personal, non-commercial purposes; any other use requires our written permission.

05Acceptable use

Do not attempt to gain unauthorized access to any part of the site or its systems.
Do not submit false information or use the inquiry form for spam.
Internal staff systems are for authorized personnel only; access is logged.

06Disclaimers and liability

The site is provided “as is”. To the extent permitted by law, Michelangelo disclaims warranties and is not liable for indirect or consequential damages arising from use of the site.

07Changes

We may update these terms by posting a new version on this page.

These disclosures are general. Product-specific disclosures, contracts and notices are provided before you buy or engage any service, and they govern if they differ from this page. Nothing here is insurance, legal, tax, credit or financial advice. See also Compliance.