Terms and Conditions
II Health Advisors
Last updated: October 20, 2025
Welcome to II Health Advisors. By accessing or using our website, services, or any related products (“Services”), you agree to be bound by these Terms and Conditions. Please read them carefully before using our Services.
1. Acceptance of Terms
By using our website or communicating with our agents, you acknowledge that you have read, understood, and agree to comply with these Terms. If you do not agree, you must not use our Services.
2. Services Provided
II Health Advisors is a licensed health insurance brokerage. We provide insurance information, quotes, plan comparisons, and enrollment assistance for individuals and families. We do not provide legal, tax, or medical advice.
3. Eligibility
You must be at least 18 years of age to use our Services. By using our Services, you represent that the information you provide is accurate, complete, and truthful.
4. No Guarantee of Coverage
Receiving a quote or speaking with a licensed agent does not guarantee approval or coverage. All insurance applications are subject to underwriting and approval by the insurance carrier.
5. Use of Information
By providing your contact information, you consent to be contacted by II Health Advisors and its licensed agents by phone, email, or SMS, even if your number is on a federal or state Do Not Call list. You may opt out at any time by replying “STOP” to SMS messages or emailing us.
6. Privacy
Your privacy is important to us. Please refer to our Privacy Policy to understand how we collect, use, and protect your information.
7. Intellectual Property
All content, logos, graphics, and materials on this website are the property of II Health Advisors and may not be reproduced, distributed, or used without our written permission.
8. Limitation of Liability
II Health Advisors is not responsible for any loss, damage, or expense resulting from your use of our Services, including but not limited to denied coverage, plan costs, or claim outcomes. Coverage details are determined solely by the insurance carrier.
9. No Warranties
All Services are provided “as is” and “as available” without warranties of any kind, whether express or implied. We make no guarantee of continuous or error-free service.
10. Changes to Terms
We reserve the right to update these Terms at any time without prior notice. The updated version will be posted on this page with a revised “Last Updated” date.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law principles.
12. Contact Us
If you have questions about these Terms & Conditions, please contact us at:
📧 support@iihealthadvisors.com
📞 [Insert Phone Number]
🏢 [Insert Business Address]
Would you like me to rewrite this to include SMS & 10DLC compliance language (opt-in/opt-out, message frequency, carrier liability disclaimers, etc.) too? This is common for insurance lead generation and texting platforms.