Fair Terms For Your Protection

Our Services are intended for users who are at least 18 years old. Persons under 18 are not permitted to use or register for the Services.

The information provided through our Services is not intended for distribution in any jurisdiction where such distribution would be contrary to law or regulation.

You agree to comply with:

• Consumer Best Practices Guidelines

• Mobile Marketing Association standards

• All applicable local and federal laws

• "Do Not Call" requests and opt-out preferences

We own or license all intellectual property rights in our Services, including:

• Source code and software functionality

• Website designs and user interfaces

• Audio, video, text, and graphics

• Trademarks, service marks, and logos

Your License to Use Our Services:

• Non-exclusive, non-transferable, revocable license

• Personal, non-commercial use only

• No copying, reproduction, or redistribution without permission

• Access and download permitted content only

You may not use our Content or Marks for any commercial purpose without our express written permission.

By using our Services, you represent and warrant that:

• All registration information is true, accurate, and complete

• You will maintain accuracy of information and update as necessary

• You have legal capacity to agree to these Terms

• You are not a minor in your jurisdiction

• You will not access Services through automated means

• You will not use Services for illegal or unauthorized purposes

• Your use will not violate any applicable laws or regulations

We reserve the right to suspend or terminate accounts that provide false or incomplete information.

We accept the following payment methods:

• Visa

• Mastercard

• American Express

• Discover

Payment Terms:

• Provide current, complete, and accurate payment information

• Promptly update payment details as needed

• Sales tax added as required

• All payments in US dollars

• Prices subject to change at any time

For recurring charges, you consent to automatic billing until cancellation.

You may not use our Services to:

• Systematically retrieve data without permission

• Trick, defraud, or mislead users

• Circumvent security features

• Disparage or harm our reputation

• Harass, abuse, or harm others

• Submit false reports or abuse support services

• Upload viruses or malicious content

• Engage in automated use of the system

• Impersonate other users

• Interfere with or disrupt our Services

• Use for unauthorized commercial purposes

• Violate texting regulations or TCPA requirements

When you submit content to our Services, you represent that:

• Content does not infringe third-party rights

• You own or have necessary licenses for the content

• Content is not false, misleading, or inappropriate

• Content complies with applicable laws

• You have consent from identifiable persons in content

We may remove content that violates these terms or is deemed inappropriate.

These Terms remain in effect while you use our Services.

We reserve the right to:

• Deny access for any reason without notice

• Terminate accounts for Terms violations

• Delete accounts and content at any time

• Take legal action for violations

Upon termination:

• You cannot create new accounts

• We may retain some information as required by law

• All rights and licenses terminate immediately

THE SERVICES ARE PROVIDED "AS-IS" AND "AS-AVAILABLE."

We disclaim all warranties, including:

• Implied warranties of merchantability

• Fitness for a particular purpose

• Non-infringement

• Accuracy or completeness of content

We are not liable for:

• Errors, mistakes, or inaccuracies

• Personal injury or property damage

• Unauthorized access to secure servers

• Service interruptions or cessations

• Viruses or malicious code

• Third-party content or services

These Terms are governed by Florida state law.

Dispute Resolution:

• Informal negotiations required for 30 days

• Binding arbitration under AAA rules

• Arbitration in Palm Beach, Florida

• No class action arbitrations

• Exceptions for intellectual property disputes

You have one (1) year to bring any dispute related to our Services.

For questions about these Terms and Conditions:

Your Policy Guardian LLC

1601-1 N MAIN ST #3159

JACKSONVILLE, FL 32206

• Email: Info@policyguardian.io

For technical support or account issues, please use our customer service channels.

These Terms constitute the entire agreement between you and YourPolicyGuardian regarding use of our Services.

1. Program Description

By providing your phone number and opting in through our website, you may receive text messages from Your Policy Guardian LLC regarding:

• Health insurance quotes

• Policy information

• Appointment reminders

• Customer service

• Marketing offers

• Follow-up communications

2. Types of Messages

Messages may include informational and marketing communications such as quote updates, policy and enrollment information, appointment confirmations and reminders, responses to your inquiries, service notifications, and promotional offers related to our insurance services.

3. Consent

Consent is not a condition of purchase.

4. Message Frequency

Message frequency varies.

5. Message & Data Rates

Message and data rates may apply.

6. Opt-Out

You may opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any message you receive from us. After opting out, you will receive a final confirmation message and no further messages will be sent.

7. Re-subscribe

To receive messages again after opting out, submit a new request through our website or reply START where supported.

8. HELP

Reply HELP for assistance or contact our customer support at Info@policyguardian.io.

9. Carrier Liability

Wireless carriers are not liable for delayed or undelivered messages.

10. Supported Carriers

Messaging is supported by most major U.S. wireless carriers, although carrier availability and functionality may vary.

11. Eligibility

You must be at least 18 years old or have permission from a parent or legal guardian.

12. Privacy

Phone numbers and SMS consent are collected, used, and handled in accordance with our Privacy Policy, available on this website. SMS opt-in data and consent are never sold or shared with third parties or affiliates for marketing purposes.

13. Changes

These SMS Terms may be updated periodically. Continued participation in our messaging program after any revision constitutes acceptance of the updated terms.