Terms of Service

Please read these Terms of Service (“Terms”) and our Privacy Policy carefully. They govern your use of AnishalinCareSolutions.com and its related platforms (“Site”) and all services provided by Anishalin Insurance Solutions (“Anishalin Care Solutions,” “we,” “us,” or “our”), including consultations, workshops, and insurance advisory services (“Services”). By accessing or using the Site or Services, you agree to these Terms and our Privacy Policy. If you do not agree, discontinue use immediately.

1. Agreement to Terms

By using our Site or submitting information through our Services, you agree to these Terms. You also consent to receive communications from us by phone, text, or email regarding insurance inquiries and updates. Calls may be recorded for quality and compliance purposes.

2. Privacy Policy

Your use of our Services is subject to our [Privacy Policy], which explains how we collect, use, and protect your data. By using our Services, you consent to such data practices.

3. Description of Services

We provide:

Insurance Consultation: Personalized guidance on health, life, dental, and Medicare options.

Educational Workshops: Virtual and in-person sessions on Medicare topics.

Coverage Options: Assistance with Medicare (Parts A–D), ACA Marketplace, life, dental, supplemental, and critical illness plans.

All guidance is informational, not legal, medical, or tax advice. Do not cancel existing coverage until new policies are confirmed in writing.

4. Communications

By providing contact information, you consent to receive emails, texts, or calls (including automated messages) from Anishalin Care Solutions. You can opt out at any time by replying “STOP” to a text or emailing ashelms.insurance@gmail.com with “Unsubscribe.” Standard messaging rates apply.

5. Compliance with Law

Anishalin Care Solutions complies with all applicable insurance, privacy, and consumer protection laws. Any inconsistent Terms will be interpreted to conform with governing law.

6. Modifications

We may update these Terms or Services at any time. Changes take effect upon posting on AnishalinCareSolutions.com. Continued use constitutes acceptance of the updated Terms.

7. Eligibility

You must be at least 18 years old to use our Services. You agree to provide accurate information and maintain confidentiality of your account. We may suspend or terminate access for misuse or violations of these Terms.

8. Feedback

Any feedback you submit becomes the property of Anishalin Care Solutions and may be used to improve our Services without obligation or compensation.

9. Submitted Information

You may provide information such as insurance preferences and personal data (“Submitted Information”).

You retain ownership but grant us a license to use it solely to deliver Services as described in our Privacy Policy.

You are responsible for accuracy and legality of submitted data.

All content on our Site remains Anishalin Care Solution’s property.

10. Prohibited Conduct

You agree not to:

• Upload false, unlawful, or offensive content.
• Misuse our Site or brand materials.
• Access unauthorized areas or bypass security features.
• Use bots or automated tools without permission.
• Send spam or engage in illegal activity.

Violations may result in suspension and legal action.

11. Third-Party Links

We may include links to third-party sites for convenience. We do not control or endorse them and are not liable for their content or services. Review their terms before use.

12. Termination

We may suspend or terminate your access at any time for any reason. Upon termination, your right to use the Services ends immediately. Certain sections (e.g., Feedback, Liability, Dispute Resolution) will continue to apply.

13. Disclaimers

Services are provided “as is” and “as available.” We make no warranties regarding accuracy, reliability, or availability. Anishalin Care Solutions is not an insurer and is not responsible for decisions or actions taken with third-party providers.

14. Indemnification

You agree to indemnify and hold harmless Anishalin Care Solutions and its affiliates from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

15. Limitation of Liability

To the fullest extent permitted by law, Anishalin Care Solution’s total liability will not exceed $1,000. We are not liable for indirect, incidental, or consequential damages.

16. Governing Law

These Terms are governed by the laws of California, with exclusive jurisdiction in Los Angeles County courts.

17. Dispute Resolution

All disputes shall be resolved through binding individual arbitration under the American Arbitration Association (AAA) Consumer Rules. Class actions are not permitted. Exceptions apply for small claims and intellectual property matters.

18. General Terms

Ownership: All materials and trademarks belong to Anishalin Care Solutions.

Entire Agreement: These Terms and our Privacy Policy constitute the full agreement.

Notices: Sent via email or posted on the Site.

No Waiver: Failure to enforce any term is not a waiver of rights.

19. Contact

For questions, contact:

Email: ashelms.insurance@gmail.com

Anishalin Care Solutions, an independent advisory firm, unaffiliated with Healthcare.gov or Medicare.