Terms of Service

Last updated: [May 15th, 2026]

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website located at rjhealthsolutions.com (the "Site") and any related services, content, and communications provided by RJ Health Solutions LLC ("RJ Health Solutions," "we," "us," or "our"). By accessing or using the Site, submitting your information through any form, or communicating with us, you agree to be bound by these Terms. If you do not agree, please do not use the Site or our services.

2. Description of Services

RJ Health Solutions is a licensed insurance agency that helps individuals explore, compare, and obtain health and life insurance coverage options. Through the Site, you may request information, submit a request to be contacted, or connect with a licensed insurance agent who can discuss coverage options that may fit your needs.

We do not issue insurance policies. Coverage is underwritten and issued by the applicable insurance carriers, subject to their terms, eligibility requirements, and approval. Any information provided on the Site is for general informational purposes and does not constitute an offer of insurance, a binding quote, or a guarantee of coverage or rates.

3. Eligibility

You must be at least 18 years old and a resident of the United States to use the Site and our services. By using the Site, you represent and warrant that you meet these requirements and that the information you provide is accurate, current, and complete.

4. No Professional Advice

Information on the Site is provided for general informational purposes only and is not a substitute for professional insurance, legal, tax, or financial advice. Insurance needs vary by individual. You should consult a licensed insurance professional before making any coverage decision. RJ Health Solutions does not guarantee that any particular coverage, plan, or carrier is suitable for your circumstances.

5. SMS / Text Message Terms

By providing your mobile phone number and affirmatively opting in (for example, by checking the SMS consent box on our form), you consent to receive text messages from RJ Health Solutions related to your inquiry, including messages about coverage options, quotes, appointment or follow-up reminders, and communications from a licensed agent.

  • Consent is not a condition of purchase. You are not required to agree to receive text messages in order to use the Site or obtain services.

  • Message frequency varies.

  • Message and data rates may apply.

  • Opt out at any time by replying STOP to any message. After you opt out, you will receive a single confirmation message and no further texts unless you opt in again.

  • For help, reply HELP or contact us at Info@rjhealthsolutions.com or +1 (844) 298-0068.

  • Mobile carriers are not liable for delayed or undelivered messages.

We do not sell or share mobile opt-in information or consent with third parties for their own marketing purposes. See our Privacy Policy for details on how we handle your information.

6. Telephone Contact Consent

If you provide your phone number and consent to be contacted by phone, you authorize RJ Health Solutions and its licensed agents to call you regarding insurance coverage options. Telephone consent is separate from SMS consent, and providing one does not require providing the other. You may revoke telephone consent at any time by informing us during a call or by contacting us using the information below.

7. User Responsibilities

You agree to provide accurate information and to use the Site only for lawful purposes. You agree not to misuse the Site, interfere with its operation, attempt to gain unauthorized access to any systems, or submit information on behalf of another person without authorization.

8. Intellectual Property

All content on the Site, including text, graphics, logos, and design, is owned by or licensed to RJ Health Solutions and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from Site content without our prior written permission.

9. Third-Party Links and Services

The Site may contain links to third-party websites or reference third-party insurance carriers. We are not responsible for the content, accuracy, privacy practices, or policies of any third party. Your interactions with third parties are solely between you and that third party.

10. Disclaimer of Warranties

The Site and all information, services, and content are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any information provided is complete or current.

11. Limitation of Liability

To the fullest extent permitted by law, RJ Health Solutions and its owners, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of the Site or our services, even if advised of the possibility of such damages. Our total liability for any claim arising out of these Terms or the Site will not exceed one hundred dollars ($100).

12. Indemnification

You agree to indemnify and hold harmless RJ Health Solutions and its owners, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

13. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand how we collect, use, and protect your information.

14. Changes to These Terms

We may update these Terms from time to time. Changes are effective when posted to the Site with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

15. Governing Law

These Terms are governed by the laws of the State of [Florida], without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or the Site will be subject to the exclusive jurisdiction of the state and federal courts located in [Florida].