Legal · Terms

Terms of Service

Effective · March 12, 2026  ·  Last Updated · March 12, 2026

Welcome to Amerishield Health Insurance Agency LLC ("Amerishield," "we," "us," or "our"). These Terms of Service ("Terms") govern your use of our website at amerishieldhealthagency.com and our related services, including our SMS/text messaging program. By accessing or using our website or services, you agree to be bound by these Terms.

1. SMS/Text Messaging Program

Description of SMS Program and Messaging Use Cases

Amerishield Health Insurance Agency LLC offers an SMS/text messaging program to help you stay informed about your health insurance options and services. When you provide your phone number and consent through our on-site chat widget, you may receive text messages related to:

Messages may be sent using an automated system, pre-recorded message, or artificial/AI-generated voice. Message frequency varies based on your interactions with our services and your specific needs.

2. How to Opt Out (Text STOP)

You can opt out of receiving SMS/text messages from Amerishield Health Insurance Agency LLC at any time by replying STOP to any text message you receive from us.

After you send STOP, you will receive a one-time confirmation message acknowledging your opt-out request. No additional text messages will be sent to you unless you choose to re-opt in at a later time.

You may also opt out by:

Opting out of SMS messages will not affect your ability to receive service-related communications through other channels (email, phone calls) unless you opt out of those separately.

3. Support Contact Information

If you need help with our SMS program, have questions about messages you have received, or need assistance with any of our services, you can reach us through the following channels:

Our support team is available during business hours to assist you with any questions or concerns.

4. Message and Data Rates Disclosure

Message and data rates may apply. Standard messaging and data rates from your wireless carrier apply to all SMS/text messages sent to and from Amerishield Health Insurance Agency LLC. These charges depend on your mobile plan and carrier. Amerishield is not responsible for any messaging or data fees charged by your wireless provider.

Message frequency varies. You may receive multiple messages per week depending on your account activity and interactions with our services.

If you have questions about your text or data plan, please contact your wireless carrier for more information about applicable charges.

5. Carrier Liability Disclaimer

Amerishield Health Insurance Agency LLC and mobile carriers (including but not limited to T-Mobile, AT&T, Verizon, and others) are not liable for delayed or undelivered messages. Delivery of text messages is subject to effective transmission by your wireless carrier and network availability.

Carriers are not responsible for the content of any messages sent through the Amerishield SMS program. Amerishield bears sole responsibility for the content and accuracy of messages delivered through our SMS service.

T-Mobile, AT&T, Verizon, and all other mobile carriers are not liable for any damages, losses, or claims arising from the use of our SMS messaging program.

6. Age Restriction

Our website, services, and SMS messaging program are intended for individuals who are at least 18 years of age. By using our services or opting in to receive text messages, you confirm that you are at least 18 years old.

We do not knowingly collect personal information from or send SMS messages to individuals under the age of 18. If we discover that a person under 18 has provided personal information or opted in to our SMS program, we will promptly delete their information and remove them from our messaging list.

7. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, protect, and share your personal information, including information related to SMS opt-in and consent. We encourage you to review our Privacy Policy in its entirety.

Key points from our Privacy Policy that relate to our SMS program:

8. Use of Website

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You agree not to:

9. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Amerishield Health Insurance Agency LLC does not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

Amerishield is not an insurance carrier. We are a licensed insurance agency that helps connect consumers with insurance products from various carriers. Insurance coverage is subject to the terms, conditions, and exclusions of each individual policy issued by the respective carrier.

10. Limitation of Liability

To the fullest extent permitted by law, Amerishield Health Insurance Agency LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to loss of data, revenue, or profits.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which Amerishield Health Insurance Agency LLC is registered, without regard to its conflict of law provisions.

12. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. When changes are made, we will update the "Last Updated" date at the top of this page. Your continued use of our website or services after any changes constitutes acceptance of the revised Terms.

13. Contact Us

If you have questions about these Terms of Service or need support, please contact us: