Last Updated: June 26, 2026

Welcome to the Allen and Associates Insurance Agency LLC. By accessing or using our website at www.allenandassociates.agency, you agree to be bound by these Terms of Service ("Terms"). Please read these Terms carefully before using our services. If you do not agree to these Terms, please do not use our website or services.

1. ABOUT ALLEN AND ASSOCIATES

Allen and Associates is a licensed Medicare insurance agency dedicated to helping individuals navigate their Medicare insurance options. We provide information, guidance, and assistance regarding Medicare Plans, Supplement Plans, and the Affordable Care Act. By opting into our SMS communication program, you will receive informational messages about Medicare coverage options, appointment reminders, policy updates, and related insurance guidance from Allen and Associates.

2. SMS MESSAGING TERMS AND CONDITIONS

By providing your phone number and consenting to receive SMS messages from Allen and Associates, you agree to the following terms:

Opt-Out: You can cancel the SMS service at any time. Just text "STOP" to the number from which you received our messages. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to rejoin, simply sign up again as you did initially, and we will resume sending SMS messages to you.

Help and Support: If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly by contacting us at info@allenandassociates.agency or by calling our office.

Carrier Liability: Carriers are not liable for delayed or undelivered messages. Must be 18 years or older to participate in our sms program.

Message and Data Rates: Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your interactions and preferences. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

3. USE OF SERVICES

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You agree not to use our website in any way that violates applicable laws or regulations, to transmit any unsolicited or unauthorized advertising or promotional material, or to engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website.

4. INTELLECTUAL PROPERTY

All content on this website, including text, graphics, logos, and images, is the property of Allen and Associates and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

5. DISCLAIMER OF WARRANTIES

The information provided on this website is for general informational purposes only. While we strive to keep information accurate and up to date, Allen and Associates makes no warranties, express or implied, regarding the completeness, accuracy, or reliability of any information on this site. Insurance coverage details, plan availability, and eligibility requirements are subject to change. Always consult with a licensed insurance agent for advice specific to your situation.

6. LIMITATION OF LIABILITY

Allen and Associates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or our services. Our total liability to you for any claims arising out of or related to these Terms shall not exceed the amount paid by you, if any, for accessing our services.

7. PRIVACY POLICY

Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at www.allenandassociates.agency/privacy-policy to understand our practices regarding the collection and use of your personal information. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Messaging services.

8. THIRD-PARTY LINKS

Our website may contain links to third-party websites. These links are provided for your convenience only. Allen and Associates has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

9. CHANGES TO THESE TERMS

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

10. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the state in which Allen and Associates operates, without regard to its conflict of law provisions.

11. CONTACT US

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

Allen and Associates

Website: www.allenandassociates.agency

Email: info@allenandassociates.agency

For privacy-related inquiries, please refer to our Privacy Policy at www.allenandassociates.agency/privacy-policy.