1. Acceptance of Terms
By accessing or using the Castro Coverage website ("Site") or submitting an inquiry through any of our forms, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised date. Continued use of the Site after modifications constitutes acceptance of the updated Terms.
2. Services Description
Castro Coverage provides independent health insurance advisory services to individuals, families, and small businesses. Our services include:
- Reviewing and comparing available private health plan options.
- Advising on ACA marketplace plans and potential subsidy eligibility.
- Assisting with plan enrollment and Special Enrollment Period qualifications.
- Providing ongoing support for coverage questions and changes.
Our advisory services are provided at no cost to you. Castro Coverage is compensated through commissions paid by insurance carriers upon successful enrollment. This does not affect the objectivity of our recommendations.
3. Not a Guarantee of Coverage
Information provided on this Site and through our consultations is for educational and advisory purposes only. Nothing on this Site constitutes a binding offer or guarantee of insurance coverage, premium rates, or plan availability. Actual coverage, pricing, and eligibility are determined solely by the insurance carrier and applicable law.
Castro Coverage does not underwrite, issue, or administer insurance policies.
4. Accuracy of Information
We strive to provide accurate and up-to-date information. However, health insurance plans, premiums, networks, and regulations change frequently. We cannot guarantee that all information on this Site is current or error-free. You should verify coverage details directly with the relevant carrier before making any decisions.
5. Your Responsibilities
When using our Site or services, you agree to:
- Provide accurate and complete information in any forms or consultations.
- Use the Site only for lawful purposes.
- Not attempt to interfere with, hack, or disrupt the Site or its services.
- Not misrepresent your identity or eligibility for any insurance product.
Providing false or misleading information may result in denial of coverage, policy cancellation, or legal consequences under applicable state and federal law.
6. Intellectual Property
All content on this Site — including text, graphics, logos, and design — is the property of Castro Coverage or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.
7. Third-Party Links and Carriers
Our Site may link to third-party websites, including insurance carrier portals. These links are provided for your convenience only. Castro Coverage has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party sites. Accessing third-party sites is at your own risk.
8. Limitation of Liability
To the fullest extent permitted by law, Castro Coverage and its advisors shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Site or reliance on any information provided herein, including but not limited to loss of coverage, out-of-pocket costs, or medical expenses.
Our total liability to you for any claim arising from use of this Site or our services shall not exceed the fees, if any, paid by you to Castro Coverage.
9. Indemnification
You agree to indemnify and hold harmless Castro Coverage, its advisors, and affiliates from any claims, damages, or expenses (including reasonable legal fees) arising from your violation of these Terms, your use of the Site, or your provision of inaccurate information.
10. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the data practices described in the Privacy Policy.
11. Mobile Messaging Terms and Conditions
CASTRO COVERAGE LLC ("CASTRO COVERAGE LLC", "we", or "us") operates a mobile messaging program (the "Program") subject to these Mobile Messaging Terms and Conditions (the "Mobile Messaging Terms"). The Program and our collection and use of your personal information is also subject to our Privacy Policy. By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree to these Mobile Messaging Terms and our Privacy Policy.
1. Program Description: We may send promotional and transactional mobile messages in various formats through the Program. Promotional messages advertise and promote our products and services and may include promotions, specials, other marketing offers, and abandoned checkout reminders. Transactional messages relate to an existing or ongoing transaction and may include order notifications and updates, appointment reminders, and other transaction-related information. Mobile messages may be sent using an automated technology, including an autodialer, automated system, or automatic telephone dialing system. Message frequency will vary but will not exceed 5 messages in 1 day. You agree that we may send you messages regarding the foregoing topics or any topic and that such messages and/or calls may be made or placed using different telephone numbers or short codes. We do not charge for mobile messages sent through the Program but you are responsible for any message and data rates imposed by your mobile provider, as standard data and message rates may apply for SMS and MMS alerts.
2. User Opt-In: By providing your mobile phone number to us, you are voluntarily opting in to the Program and you agree to receive recurring mobile messages from us at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal "Do Not Call" list. You agree that any mobile phone number you provide to us is a valid mobile phone number of which you are the owner or authorized user. If you change your mobile phone number or are no longer the owner or authorized user of the mobile phone number, you agree to promptly notify us at christophercastrohealth@gmail.com. Your participation in the Program is not required to make any purchase from us and your participation in the Program is completely voluntary.
3. User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to opt-out of the Program and stop receiving mobile messages from us, or you no longer agree to these Mobile Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT, and/or UNSUBSCRIBE to any mobile message from us. You may continue to receive text messages for a short period while we process your request and you may receive a one-time opt-out confirmation message. You understand and agree that the foregoing is the only reasonable method of opting out. For support, reply HELP to any mobile message from us. Our mobile messaging platform may not recognize requests that modify the foregoing commands, and you agree that we and our service providers will not be liable for failing to honor requests that do not comply with the requirements in these Mobile Messaging Terms. We may also change the telephone number or short code we use to operate the Program and we will notify you of any such change. You acknowledge that any requests sent to a telephone number or short code that has been changed may not be received by us and we will not be responsible for failing to honor a request sent to a telephone number or short code that has been changed.
4. Disclaimer of Warranty and Liability: The Program is offered on an "as-is" basis and may not be available in all areas, at all times, or on all mobile providers. You agree that neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message or information sent through the Program.
5. Modifications: We may modify or cancel the Program or any of its features at any time, with or without notice. To the extent permitted by applicable law, we may also modify these Mobile Messaging Terms at any time. Any such modification will take effect when it is posted to our website. You agree to review these Mobile Messaging Terms periodically to ensure that you are aware of any modifications. Your continued participation in the Program will constitute your acceptance of those modifications.
12. Governing Law
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 provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the courts located in Florida.
13. Contact Us
If you have any questions about these Terms and Conditions, you can contact us:
- By email: christophercastrohealth@gmail.com
- By phone number: +1 954-228-0869