Terms of Service

1. Acceptance of Terms

Welcome to the website of Silver Path Health Solutions LLC ("Company," "we," "us," or "our"). By accessing or using our website at silverpathhealthsolutions.llc and any related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or Services.

2. Description of Services

Silver Path Health Solutions LLC provides health insurance brokerage and advisory services, including but not limited to:

• Individual and family health insurance plans
• Group health insurance plans for businesses
• Medicare supplement and Medicare Advantage plans
• Short-term health coverage
• Wellness programs and health resources
• Insurance plan comparison and enrollment assistance

Our website provides general information about our services and allows you to request quotes, contact our team, and opt in to receive communications from us.

3. Eligibility

You must be at least 18 years of age to use our Services. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

4. User Accounts and Information

When you submit information through our website (such as contact forms, quote requests, or SMS opt-in forms), you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account.

5. SMS/Text Messaging Terms

By opting in to receive SMS/text messages from Silver Path Health Solutions LLC, you agree to the following:

• You consent to receive recurring automated marketing and informational text messages from Silver Path Health Solutions LLC at the mobile phone number you provided.
• Consent is not a condition of any purchase.
• Message and data rates may apply. Message frequency varies.
• You may opt out at any time by replying STOP to any message.
• Reply HELP for assistance or contact us at (800) 555-1234.
• Supported carriers include AT&T, T-Mobile, Verizon, Sprint, and all major US carriers.
• Carriers are not liable for delayed or undelivered messages.

We will not sell, rent, or share your mobile phone number or SMS opt-in consent with any third parties or affiliates for their own marketing purposes.

For more information about how we handle your data, please review our Privacy Policy.

6. Insurance Disclaimer

The information provided on our website is for general informational purposes only and does not constitute insurance advice. Specific coverage details, terms, conditions, exclusions, and limitations are determined by the applicable insurance policy and carrier. We recommend reviewing your policy documents carefully and consulting with a licensed insurance professional before making coverage decisions.

Silver Path Health Solutions LLC acts as an insurance broker/agent and is not an insurance carrier. We facilitate connections between consumers and insurance carriers but do not underwrite or guarantee any insurance policies.

7. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Silver Path Health Solutions LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on our website without our prior written consent.

8. Prohibited Conduct

You agree not to:

• Use our website for any unlawful purpose or in violation of any applicable laws
• Submit false, misleading, or fraudulent information
• Interfere with or disrupt the operation of our website or servers
• Attempt to gain unauthorized access to any part of our website or systems
• Use automated tools (bots, scrapers) to access or collect data from our website
• Transmit any viruses, malware, or other harmful code

9. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

10. Limitation of Liability

To the fullest extent permitted by law, Silver Path Health Solutions LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or Services. Our total liability for any claim arising from these Terms shall not exceed the amount you paid to us, if any, in the twelve (12) months preceding the claim.

11. Disclaimer of Warranties

Our website and Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

12. Indemnification

You agree to indemnify, defend, and hold harmless Silver Path Health Solutions LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of our website, violation of these Terms, or infringement of any third-party rights.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law principles. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Hartford County, Connecticut.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our website after any changes constitutes acceptance of the revised Terms.

15. Contact Us

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