Privacy Policy
1. Acceptance of Terms
By accessing or using our website, services, or communications, you agree to these Terms of Service (“Terms”). If you do not agree, you should not use our website or services. These Terms apply to all visitors, users, and customers.
2. Nature of Services
Houston Independent Insurance is an independent Medicare insurance agency. We provide information, guidance, and enrollment assistance for Medicare insurance plans, including Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans.
- We are not Medicare, the Centers for Medicare & Medicaid Services (CMS), or any government agency.
- Our services are for educational and enrollment support purposes only.
- Plan availability and benefits vary by location and insurance carrier.
3. Eligibility
To use our services, you must:
- Be a resident of the United States.
- Be eligible for Medicare or seeking information for a qualified individual.
- Be at least 18 years of age to request information or enter into an agreement with us.
4. No Guarantee of Coverage or Plan Acceptance
We do not guarantee that you will qualify for any specific insurance plan. Eligibility, costs, benefits, and enrollment decisions are determined by insurance carriers and governed by CMS regulations.
5. Compliance With Medicare Rules
We strictly comply with CMS marketing guidelines and insurance regulations. By engaging with us:
- You agree that no agent will enroll you into a plan without your explicit consent.
- You may request a licensed insurance agent at any time to explain plan details.
- You understand that benefits and premiums may change annually.
6. Privacy and Communications
- By providing your contact information, you consent to receive calls, text messages, emails, or mail from Houston Independent Insurance and its licensed agents.
- Calls may be recorded and monitored for compliance and quality assurance.
- Your information will never be sold. It may be shared only with insurance carriers or regulatory agencies as required by law.
- See our [Privacy Policy] for more details.
7. Intellectual Property
All content on this website, including text, graphics, logos, and trademarks, is the property of Houston Independent Insurance or its licensors. You may not copy, reproduce, distribute, or exploit our content without written permission.
8. Disclaimer of Warranties
- Our website and services are provided “as is” and “as available.”
- We do not guarantee uninterrupted service, accuracy of plan information, or error-free content.
- Plan data is subject to change by carriers and CMS. Always confirm details with the official plan documents.
9. Limitation of Liability
To the fullest extent permitted by law:
- “Bauer Power Energy” Doing Business as “Houston Independent Insurance” is not liable for any direct, indirect, incidental, or consequential damages arising from your use of our website or services.
- This includes but is not limited to reliance on information provided, inability to access services, or outcomes of insurance applications.
10. Third-Party Links
Our website may link to third-party websites, including insurance carriers and CMS resources. We are not responsible for the content, policies, or practices of third-party sites.
11. Governing Law
These Terms are governed by the laws of the State of Texas and applicable federal laws, without regard to conflict-of-law principles.
12. Dispute Resolution
Any disputes will be resolved through binding arbitration in Brazoria County, Texas, except for claims eligible for small claims court. You waive the right to participate in class actions.
13. Changes to These Terms
We reserve the right to update these Terms at any time. Continued use of our services after changes are posted constitutes acceptance of the revised Terms.
14. Mobile Privacy
No Mobile information will be shared with third parties/affiliates for marketing/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. You can opt out at any time by replying STOP. Message and data rates may apply.
15. Contact Information
Houston Independent Insurance
1506 E Broadway St Suite 105
Pearland, TX 77581