Terms of Service
1. Acceptance of Terms
By accessing or using the website and services of ZACHJHEALTH LLC ("we," "our," or "Company"), you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.
2. Services Provided
ZACHJHEALTH LLC is a licensed health insurance advisory service operating in Florida. We provide:
- Health insurance consultations and guidance
- Plan comparison and recommendations
- Enrollment assistance and support
- Ongoing customer service
Our consultations are free. We are compensated by insurance carriers upon enrollment.
3. SMS/Text Messaging Terms
By providing your phone number and consenting to receive text messages, you agree to the following terms:
3.1 Message Types
You may receive text messages including:
- Appointment reminders and confirmations
- Quote and application status updates
- Document requests and notifications
- Enrollment period reminders (with marketing consent)
- Plan information and updates (with marketing consent)
3.2 Message Frequency
Message frequency varies based on your activity. Transactional messages are sent as needed. Marketing messages are limited to approximately 2-4 per month during enrollment periods.
3.3 Opt-Out Instructions
Reply STOP to any message to immediately unsubscribe from all text messages.
After opting out, you will receive one confirmation message. You will not receive any additional messages unless you opt back in.
3.4 Rejoining After Opt-Out
To rejoin after opting out, text START or UNSTOP to our number, or submit a new quote request on our website with SMS consent.
3.5 Help Instructions
For assistance with our text messaging program:
- Reply HELP to any message for assistance
- Email us at [email protected]
- Call us at (585) 353-3315
3.6 Message and Data Rates
Message and data rates may apply. Check with your mobile carrier for details about your plan.
3.7 Carrier Liability
Carriers are not liable for any delayed or undelivered messages.
3.8 Supported Carriers
Our text messaging services are designed to work with major U.S. carriers. Not all carriers may be supported.
3.9 Privacy
Your phone number and SMS consent will not be shared with third parties for marketing purposes. See our Privacy Policy for complete details.
3.10 TCPA Compliance
Messages are only sent between 8:00 AM and 9:00 PM in your local time zone in accordance with the Telephone Consumer Protection Act (TCPA).
4. Communications Consent
By submitting your information, you consent to receive communications from ZACHJHEALTH LLC via:
- Phone Calls: We may call you at the number provided
- Text Messages: If you consent, as described in Section 3
- Email: Related to your inquiry and our services
Consent is not required to purchase services.
5. Insurance Disclaimer
Information provided is for general purposes only:
- Plans, rates, and availability change frequently
- Quotes are estimates, not binding offers
- Coverage depends on carrier underwriting
- Review official plan documents before enrolling
6. No Medical Advice
We provide insurance guidance, not medical guidance. Consult healthcare professionals for medical decisions.
7. Intellectual Property
All website content is property of ZACHJHEALTH LLC and protected by copyright laws.
8. Third-Party Links
Our website may link to third-party sites. We are not responsible for their content or practices.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZACHJHEALTH LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES.
10. Disclaimer of Warranties
SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
11. Privacy
Your privacy is governed by our Privacy Policy, incorporated by reference.
12. Modifications
We may update these Terms at any time. Continued use constitutes acceptance.
13. Governing Law
These Terms are governed by the laws of Florida. Disputes shall be resolved in courts located in Hillsborough County, Florida.
14. Contact
ZACHJHEALTH LLC
8329 Windsor Bluff Dr
Tampa, FL 33647
Email: [email protected]
Phone: (585) 353-3315