Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your use of the website located at www.texashealthinsurancegroup.com and any related services provided by Jay Gutierrez Insurance Agency, Inc., doing business as Texas Health Insurance Group ("Company," "we," "us," or "our"), a licensed insurance agency in the State of Texas.

By accessing or using our website, submitting a contact form, or consenting to receive SMS communications, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

2. Services Provided

Texas Health Insurance Group provides licensed insurance consulting and sales services in the State of Texas, including but not limited to:

• Medicare Advantage and Medicare Supplement plans
• Individual and Family Health Insurance (ACA/Marketplace plans)
• Small Group and Employee Benefits plans
• Dental, Vision, and Life Insurance
• Medicare Part A & B enrollment assistance

We represent multiple insurance carriers and are not affiliated with, endorsed by, or connected to the U.S. Government, the federal Medicare program, or any state Medicaid program. Plan availability varies by location. Not all plans are available in all areas.

3. SMS Text Message Communications

By providing your mobile phone number and checking the SMS consent checkbox on any form on this website, you expressly consent to receive text messages (SMS) from Texas Health Insurance Group at the mobile number you provided. These messages may include:

• Appointment scheduling and reminders
• Insurance plan information and educational content
• Annual Enrollment Period (AEP) and Special Enrollment Period (SEP) reminders
• Follow-up messages related to your insurance inquiry
• Consent verification links

4. Website Use and Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Jay Gutierrez Insurance Agency, Inc. 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.

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the website.

5. Disclaimers and Limitations of Liability

The information provided on this website is for general informational purposes only and does not constitute legal, financial, or medical advice. Insurance plan details, premiums, and availability are subject to change. Always verify plan details directly with the insurance carrier before enrolling.

To the fullest extent permitted by law, Texas Health Insurance Group shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or reliance on any information provided herein.

6. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Nueces County, Texas.

8. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms.