These Terms of Service ("Terms") govern your use of our services, website, and any related products and features provided by our Medicare agency. By using our services, you agree to these Terms, so please read them carefully.

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1. Acceptance of Terms: By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, including any additional terms and conditions and policies referenced herein. If you do not agree to these Terms, please do not use our services.

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2. Use of Services a. Eligibility: You must be eligible to use our services, and you agree to provide accurate and complete information when using our services. b. Access and Accounts: You may need to create an account to access certain features of our services. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

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3. Health and Life Insurance Enrollment Services

a. Scope: Our agency provides services related to health and life insurance plan enrollment and healthcare assistance. We do not guarantee eligibility for benefits, and the final determination rests with insurance carriers and other relevant authorities.

b. Accuracy: While we strive to provide accurate and up-to-date information, we do not warrant the accuracy or completeness of the information provided on our website or through our services.

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4. Privacy and Security

a. Privacy Policy: Your use of our services is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information.

b. Security: We employ reasonable security measures to protect your personal information but cannot guarantee the security of your data. You are responsible for maintaining the security of your account.

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5. Intellectual Property

a. Ownership: All content and materials on our website and services, including but not limited to text, graphics, logos, and software, are the property of Valdez Insurance Solutions, LLC and are protected by intellectual property laws.

b. Use of Content: You may not use our content for any purpose without our prior written consent.

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6. Termination: We reserve the right to terminate or suspend your access to our services, with or without notice, for any violation of these Terms or for any other reason at our sole discretion.

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7. Limitation of Liability: To the extent permitted by law, Valdez Insurance Solutions, LLC and its affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services or any information provided therein.

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8. Changes to Terms: We may update these Terms from time to time to reflect changes in our services or for other operational, legal, or regulatory reasons. We will notify you of any significant changes.

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9. Governing Law: These Terms are governed by and construed in accordance with the laws of California, without regard to its conflict of law principles. By using our services, you agree to the terms and conditions outlined in these Terms of Service.

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10. You can cancel the SMS service at any time. Simply text “STOP.” Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you. If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to 858-987-3710. Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider. For privacy-related inquiries, please refer to our privacy policy.