Terms of Use

1. Using this website

Use this website for lawful purposes, including learning about JLD Agency and contacting us about health insurance. Do not submit misleading information, impersonate another person, send unsolicited or harmful content, or attempt to interfere with the website or its security.

When you submit an inquiry, provide contact information you are authorized to use. Please do not send medical records, Social Security numbers, or payment details through the contact form.

2. Health insurance inquiries

The website introduces our service and provides a way to ask questions. Its content is general information, not medical or legal advice, an insurance policy, or a determination of eligibility or benefits.

Submitting a form, receiving a response, or participating in the SMS program does not enroll you in insurance or bind coverage. This website does not promise a particular premium, savings amount, plan availability, or coverage outcome. Any insurance coverage is subject to the applicable plan documents and enrollment requirements.

3. JLD Agency SMS program

Message types and opt-in

The JLD Agency SMS program provides text messages about your health insurance inquiry and related one-to-one follow-up, including responses to your questions and requests for information relevant to your inquiry.

To opt in, enter your phone number on the contact page, check the separate optional SMS consent box, and submit the form. Selecting the box and submitting the form provides express written consent for the messages described in the disclosure. The box is unchecked by default. Only an affirmative selection gives SMS consent. You may submit your inquiry without selecting it.

Consent is not a condition of purchase. By opting in, you confirm that you are authorized to receive messages at the number you provide. Contact us if that number changes or is reassigned.

Frequency and charges

Message frequency varies based on your inquiry and the conversation. Message and data rates may apply according to your wireless plan. Contact your wireless provider for information about your rates.

4. Opting out and getting help

Reply STOP to opt out. You may receive a final message confirming your opt-out. After opting out, you will no longer receive messages from this program unless you provide new affirmative consent.

You can also revoke SMS consent by emailing support@jldhealth.com or calling (561) 308-3804. Include the phone number involved so we can locate your preference, but do not include sensitive personal information.

Reply HELP for help. Customer care is also available at support@jldhealth.com or (561) 308-3804. Opting out of SMS does not prevent you from contacting JLD Agency by phone or email.

5. Privacy and SMS records

Our Privacy Policy explains how we handle inquiry information, consent records, service providers, retention, and privacy choices.

SMS opt-in data and consent are not sold or shared with third parties or affiliates for promotional or marketing purposes. Information may be disclosed to service providers that deliver and support the messaging program as described in the Privacy Policy.

6. Availability and limitation of liability

Website access and text-message delivery depend on networks and service providers. Messages may be delayed or not delivered, and website access may be interrupted. Do not use this website or SMS program for emergencies or urgent medical needs.

We do not guarantee uninterrupted website access or delivery of every message. To the extent permitted by applicable law, JLD Agency is not liable for indirect or consequential losses arising from use of this website or SMS program. This limitation does not exclude rights, remedies, or responsibilities that cannot be excluded under applicable law.

7. Changes to these terms

We may update these terms as the website or program changes. Revised terms will be posted here with an updated last-updated date. Review this page when using the website or participating in the program. Material changes to SMS consent will require any additional permission required by applicable rules.

8. Governing law

These terms are governed by the laws of Florida and applicable federal law. This provision does not limit any mandatory consumer rights or protections that apply where you live.

9. Contact JLD Agency

For website questions, customer care, or SMS preferences: