Terms of Service
Last Updated: January 1, 2026
These Terms of Service constitute a legally binding agreement made between you and LH Health Solutions, concerning your access to and use of our website and services.
1. Professional Insurance Services
LH Health Solutions acts as an independent insurance advisory firm. Information provided on our website is for general informational purposes and does not constitute formal medical or financial advice. All insurance coverage is subject to the terms, conditions, and exclusions of the actual policy issued by the respective insurance carrier.
2. SMS and Mobile Messaging Terms
By explicitly opting in via our website forms or by texting our business number, you consent to receive marketing, informational, and customer service text messages from LH Health Solutions.
- Opt-Out: You may cancel the SMS service at any time by replying "STOP" to any text message you receive from us. After you send the SMS message "STOP", we will send you a final confirmation message detailing your immediate unsubscribed status.
- Assistance: If you require assistance with the messaging program, reply with the keyword "HELP" or contact us directly at +1 (813) 308-0122.
- Rates: Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary depending on your interactions with our team.
- Privacy: Please review our Privacy Policy to understand how strictly we protect your mobile data and consent status.
3. Intellectual Property
Unless otherwise indicated, the Site and its contents are our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site are owned or controlled by us.
4. Limitation of Liability
In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages arising from your use of the Site or our advisory services.
5. Governing Law
These Terms shall be governed by and defined following the laws of the jurisdiction in which LH Health Solutions is headquartered, without regard to its conflict of law principles.