Terms of Use

Agreement to these terms

These Terms of Use govern your use of this website, operated by Julia Barinova Inc., a New York company. By using the site, you agree to these terms. If you do not agree, please do not use the site.

Educational purpose — no advisory relationship

This site exists to explain how dental insurance works and to describe a small number of plans in plain language. All content is provided for general educational purposes. Using the site does not create an insurance contract, a broker-client engagement, or any advisory relationship.

A broker relationship arises only through a separate, direct engagement — for example, when you contact Julia Barinova, MBA (NYS Insurance License LA-937924), and choose to work together on your enrollment.

Plan information is a summary

Every plan description on this site is a summary prepared for readability. Summaries simplify, and plan terms change. The official plan documents — the policy, certificate, or plan description issued by the carrier or plan administrator — are the only complete and binding statement of benefits, exclusions, limitations, and waiting periods.

If anything on this site differs from the official plan documents, the official documents control. The Insurance Disclaimer explains this in more detail.

Third-party sites and platforms

The site links to third-party enrollment platforms and carrier resources — for example, provider search tools and member portals. Those sites are operated by independent companies with their own terms and privacy policies. We are not responsible for the content, availability, or practices of third-party sites.

Intellectual property

The text, structure, and original graphics of this site belong to Julia Barinova Inc. and are protected by copyright. Carrier names and logos — Delta Dental, MetLife, Guardian, Ameritas, and others — are trademarks of their respective owners; their use here identifies the plans discussed and does not imply endorsement.

You may share links to the site and quote brief passages with attribution. Republishing substantial portions of the content requires written permission.

No warranties; limitation of liability

The site is provided on an “as is” basis. We work to keep content accurate and current — each plan page shows a verification date — but we cannot promise that the site is free of errors or that any specific plan detail remains unchanged.

To the fullest extent permitted by law, Julia Barinova Inc. is not liable for indirect, incidental, or consequential damages arising from your use of the site. Nothing in these terms limits liability that cannot be limited under applicable law.

Governing law

These terms are governed by the laws of the State of New York, without regard to conflict-of-law rules. Any dispute arising from these terms or from your use of the site belongs in the state or federal courts located in New York.

Changes and contact

We may update these terms from time to time; the date at the top of this page shows the latest revision. Questions about these terms can be sent to julia@juliabarinova.com or 347-922-8037.