Terms & Conditions

2. Scope of Services

Seguros Health is an independent insurance guidance and advisory service specializing exclusively in health insurance and life insurance options. We assist individuals and families in evaluating health plans, doctor networks, drug formularies, and life insurance structures.

We do not sell general lines of insurance (e.g., auto, home, or commercial liability). Our consultations are completely free, zero-obligation reviews designed to explain coverage choices in plain, accessible language.

3. Disclaimer Regarding Insurance Coverage & Quotes

All informational content, plan summaries, tax credit estimates, premium examples, and coverage explanations provided on this website or during consultation calls are for informational and educational purposes only.

• Information provided does not constitute a binding insurance quote, policy contract, or guarantee of underwriting approval.
• Final plan availability, monthly premiums, deductibles, copays, and specific policy terms are determined solely by the underwriting insurance carrier following formal application review.
• No insurance coverage is bound, issued, or effective until an official application is submitted, approved by the carrier, and required initial payments are processed.

4. Communications & SMS / Text Consent

By voluntarily providing your phone number and email address on our website or booking widget, you expressly consent to receive administrative, appointment confirmation, reminder, and transactional communications from Seguros Health via phone call, email, or SMS/text message.

5. User Responsibilities & Conduct

When using our website or engaging with our advisory team, you agree that you will not:

• Provide false, inaccurate, incomplete, or fraudulent personal or medical information.
• Impersonate any other person or misrepresent your affiliation with any individual or entity.
• Use automated scripts, bots, or scraping tools to access or harvest data from our website.
• Attempt to breach, disrupt, or compromise the security or integrity of our digital systems or calendar integrations.

6. Intellectual Property

All original text, graphics, logos, button icons, page headers, custom layouts, and branding on this website are the exclusive property of Seguros Health or its licensors and are protected under applicable United States copyright, trademark, and intellectual property laws. Unauthorized copying, distribution, or duplication is strictly prohibited.

7. Privacy Policy

Your privacy is paramount to us. How we collect, store, protect, and process your personal data is detailed in our dedicated Privacy Policy, which is incorporated into these Terms by reference.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Seguros Health, its officers, employees, agents, and licensed advisors shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your reliance on website information, inability to access the site, or decisions made regarding insurance carrier applications.

9. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be instituted exclusively in the state or federal courts located in Hillsborough County, Florida.

10. Modifications to Terms

We reserve the right to revise or update these Terms & Conditions at any time. Any changes will become effective immediately upon posting to this page with an updated effective date. Your continued use of the website after such changes indicates your acceptance of the new Terms.

11. Contact Information

For questions or formal inquiries regarding these Terms & Conditions, please reach out to Seguros Health: