Terms of Service

Effective Date: June 15, 2026

Acceptance of Terms

By accessing and using the website and services of RJ Health Solutions L.L.C ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

Services

RJ Health Solutions L.L.C is a U.S.-licensed insurance brokerage. We provide free educational tools and licensed-agent consultation to help consumers compare and enroll in health coverage options. Our website allows you to learn about our offerings, request quotes, contact our team, and opt in to receive SMS/text message communications.

Use of Website

You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others. You are responsible for ensuring that information you provide is accurate and complete.

User Consent for SMS Communications

By using RJ Health Solutions L.L.C's services and opting in for text message communications, you expressly consent to the collection, use, and processing of your phone number as outlined in our Privacy Policy. You acknowledge that you have read, understood, and agree to these Terms of Service and our Privacy Policy.

You further consent to receive text messages from RJ Health Solutions L.L.C, including transactional and promotional messages, as separately opted in by you. You may opt out of receiving messages at any time by following the opt-out instructions provided. Your continued use of our services constitutes your ongoing consent to these terms.

Message frequency may vary. Message and data rates may apply.

Opt-Out Procedures

You may choose to stop receiving text messages from RJ Health Solutions L.L.C at any time. To opt out, simply reply to any text message you receive from us with the word STOP or UNSUBSCRIBE. Once we receive your opt-out request, we will promptly remove your number from our messaging list. You will receive a one-time confirmation message confirming your opt-out.

For assistance, reply HELP to any message or contact us at ramsayjeanjacques@rjhealthsolutions.com.

Please note that opting out of promotional messages will not affect your ability to receive important service-related communications if you have separately opted in to transactional messages. You may opt out of each message type independently.

Message Frequency & Content

By subscribing to RJ Health Solutions L.L.C's text messaging service, you agree to receive the following types of messages:

• Transactional/Informational messages: Account notifications, appointment reminders, quote updates, and customer-care communications.
• Promotional/Marketing messages: Special offers, exclusive content, event announcements, and new program updates.

Message frequency varies based on your account activity and the message types you have opted into. Message and data rates may apply.

SMS Liability & Disclaimers

RJ Health Solutions L.L.C is not responsible for any delays, failures in delivery, or any other issues related to the transmission or receipt of text messages. Delivery of text messages is subject to effective transmission by your mobile carrier and is not guaranteed by RJ Health Solutions L.L.C.

By subscribing to our SMS services, you acknowledge and agree that RJ Health Solutions L.L.C will not be liable for any damages, losses, or injuries arising from or related to the use of or failure to receive any text messages, including non-delivery, delays, or technical issues. Carriers including AT&T, Verizon, T-Mobile, and others are not liable for delayed or undelivered messages.

Regulatory Compliance

We comply with the Telephone Consumer Protection Act (TCPA), CTIA guidelines, and all applicable federal and state regulations governing SMS communications.

Data Security & Information Handling

RJ Health Solutions L.L.C is committed to protecting the security of your personal information. We implement industry-standard security measures to safeguard your data against unauthorized access, use, or disclosure. By using our services, you acknowledge and accept that no data transmission over the Internet or mobile networks can be guaranteed to be 100% secure.

SMS Terms & Conditions

Our SMS/text messaging programs are additionally governed by our SMS Terms & Conditions. By opting in to our text messaging programs, you agree to those terms in addition to these Terms of Service.

Disclaimer

The information provided on this website is for general informational purposes only and does not constitute professional insurance advice. Coverage estimates and savings figures may vary based on household, location, and underwriting.

Limitation of Liability

RJ Health Solutions L.L.C shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of RJ Health Solutions L.L.C and is protected by applicable intellectual property laws.

Changes to These Terms

RJ Health Solutions L.L.C may update these Terms of Service from time to time. By continuing to use our services after these changes, you agree to the revised Terms of Service.

Contact Us

If you have questions about these Terms of Service, contact us at: