Terms & Conditions

Acceptance of Terms

By accessing or using this website, you agree to these Terms & Conditions.

If you do not agree with these Terms, please do not use this website.

Our Services

Health & Wealth Planning provides Medicare education, insurance consultation, and related services.

The information provided on this website is for informational purposes only and should not be considered legal, tax, financial, or medical advice.

We are an independent insurance agency and are not affiliated with or endorsed by Medicare, CMS, or any government agency.

Contact Forms

When you submit a contact form or appointment request, you authorize us to contact you regarding your inquiry.

We may communicate through:

• Phone calls
• Email
• SMS/Text Messages (if consent is provided)

Submitting your information does not require you to purchase any insurance product or service.

SMS Terms of Service

By opting into SMS communications from Health & Wealth Planning, you agree to receive text messages related to:

• Appointment reminders
• Appointment confirmations
• Customer support
• Follow-up communications
• Service-related notifications

Message frequency varies.

Message and data rates may apply.

You may opt out at any time by replying STOP.

For assistance, reply HELP.

Consent to receive SMS messages is not a condition of purchasing any product or service.

User Responsibilities

You agree to:

• Provide accurate information
• Use this website only for lawful purposes
• Not interfere with website security or functionality
• Not attempt unauthorized access to our systems

Intellectual Property

All content on this website, including text, graphics, logos, images, and design elements, is the property of Health & Wealth Planning unless otherwise noted.

Unauthorized reproduction or distribution is prohibited.

Disclaimer

We strive to provide accurate and current information; however, we make no guarantees regarding:

• Accuracy
• Completeness
• Availability
• Suitability for any particular purpose

Insurance coverage, eligibility, premiums, and benefits are determined by insurance carriers and applicable Medicare regulations.

Limitation of Liability

Health & Wealth Planning shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of this website or reliance upon its content.

Third-Party Links

This website may contain links to external websites.

We are not responsible for the content or privacy practices of those websites.

Modifications

We reserve the right to modify these Terms & Conditions at any time.

Continued use of this website after changes are posted constitutes acceptance of the updated Terms.

Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the applicable state and federal laws of the United States.

Contact Information

If you have questions regarding these Terms & Conditions, please contact us using the information provided on this website.