Terms and Conditions

Welcome to Spirit-Filled Insurance and Financial Services!

These terms and conditions outline the rules and regulations for the use of Spirit-Filled Insurance and Financial Services Inc.’s Website, located at https://spiritfilledinsurance.com.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use Spirit-Filled Insurance and Financial Services if you do not agree to take all of the terms and conditions stated on this page.

Cookies

The website uses cookies to help personalize your online experience. By accessing Spirit-Filled Insurance and Financial Services, you agreed to use the required cookies.

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

We may use cookies to collect, store, and track information for statistical or marketing purposes to operate our website. You have the ability to accept or decline optional Cookies. There are some required Cookies that are necessary for the operation of our website. These cookies do not require your consent as they always work. Please keep in mind that by accepting required Cookies, you also accept third-party Cookies, which might be used via third-party provided services if you use such services on our website, for example, a video display window provided by third parties and integrated into our website.

License

Unless otherwise stated, Spirit-Filled Insurance and Financial Services Inc. and/or its licensors own the intellectual property rights for all material on Spirit-Filled Insurance and Financial Services. All intellectual property rights are reserved. You may access this from Spirit-Filled Insurance and Financial Services for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Copy or republish material from Spirit-Filled Insurance and Financial Services
• Sell, rent, or sub-license material from Spirit-Filled Insurance and Financial Services
• Reproduce, duplicate or copy material from Spirit-Filled Insurance and Financial Services
• Redistribute content from Spirit-Filled Insurance and Financial Services

This Agreement shall begin on the date hereof.

Comments

Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website. Spirit-Filled Insurance and Financial Services Inc. does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of Spirit-Filled Insurance and Financial Services Inc., its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, Spirit-Filled Insurance and Financial Services Inc. shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Spirit-Filled Insurance and Financial Services Inc. reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
• The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;
• The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, which is an invasion of privacy.
• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant Spirit-Filled Insurance and Financial Services Inc. a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.

Hyperlinking to our Content

The following organizations may link to our Website without prior written approval:

• Government agencies;
• Search engines;
• News organizations;
• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
• System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:

• Commonly-known consumer and/or business information sources;
• Dot.com community sites;
• Associations or other groups representing charities;
• Online directory distributors;
• Internet portals;
• Accounting, law, and consulting firms; and
• Educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Spirit-Filled Insurance and Financial Services Inc.; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Spirit-Filled Insurance and Financial Services Inc. at support@spiritfilledins.com. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or
• By use of the uniform resource locator being linked to; or
• Using any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of Spirit-Filled Insurance and Financial Services Inc.’s logo or other artwork will be allowed for linking absent a trademark license agreement.

Content Liability

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are raised on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

SMS Terms and Conditions

SMS consent and phone numbers provided for SMS purposes will not be shared with any third parties or affiliates for marketing purposes. Messaging frequency may vary. Message and data rates may apply.

SMS Consent Communication

The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

Types of SMS Communications

If you have consented to receive text messages from Spirit-Filled Insurance, you may receive messages related to the following:

• Appointment reminders
• Follow-up messages
• Billing inquiries
• Promotions or offers (if applicable)

Example: “Hello, this is a friendly reminder of your upcoming appointment with Spirit-Filled Insurance on [Date] at [Time]. Reply STOP to opt out of SMS messaging at any time.”

Message Frequency

Message frequency may vary depending on the type of communication. For example, you may receive up to 2 SMS messages per week regarding your appointments or account status.

Potential Fees for SMS Messaging

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

Opt-In Method

You may opt-in to receive SMS messages from Spirit-Filled Insurance in the following ways:

• Verbally, during a conversation
• By submitting an online form
• By filling out a paper form

Opt-Out Method

You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

HIPAA and Protected Health Information

1. Unencrypted Communication: Please be aware that standard SMS text messaging is not a fully secure communication channel. We do not recommend sending sensitive or confidential health information via text.
2. No Guarantee of Privacy: If you choose to share personal or protected health information (“PHI”) via SMS, you acknowledge the associated risks (e.g., unauthorized interception).
3. Our Commitment: We will not request or transmit sensitive PHI via text without your explicit permission unless required by law or agreed upon in writing. We maintain strict privacy practices, but the nature of SMS means we cannot guarantee full protection of any health information sent through this method.
4. Alternative Methods: If you need to discuss confidential health information or have more detailed inquiries, please request a secure communication channel (e.g., phone call, encrypted email, or secure portal) instead of SMS.

Emergency or Time-Sensitive Situations

• No Emergency Services: Do not use SMS messages for emergency or urgent medical needs. In the event of a medical emergency, dial 911 or contact your healthcare provider immediately.
• Time-Sensitive Health Issues: If you have time-sensitive health-related questions or concerns, please call our office directly or contact a licensed medical provider.

Help

If you are experiencing issues with our SMS messages or have questions, you can:

• Reply with the keyword “HELP” to any SMS you receive from us.
• Visit our Privacy Policy and Terms & Conditions pages.
• Contact us directly by phone or email (listed below) or through our Contact page.

Additional Options

If you do not wish to receive SMS messages, you can simply refrain from checking the SMS consent box on our digital or paper forms. Your choice will not affect your ability to receive services, quotes, or coverage from us through other communication channels.

Standard Messaging Disclosures

1. Message and Data Rates May Apply: Charges may appear on your phone bill or be deducted from your prepaid balance.
2. Opt-Out: You can opt out at any time by texting “STOP.”
3. Help: For assistance, text “HELP” or visit our Privacy Policy and Terms & Conditions pages.
4. Message Frequency May Vary: The number of messages depends on your preferences and interactions with our services.

Contact Information

Should you have any questions or concerns about these SMS Terms & Conditions, please contact us:

Disclaimer

• Not Medical Advice: Any information provided via SMS is intended for general informational purposes only and is not a substitute for professional medical advice, diagnosis, or treatment.
• Legal Compliance: This document may not address all specific legal and regulatory requirements for health insurance agencies. We strongly recommend consulting with a qualified attorney for full compliance with applicable laws, including but not limited to the Telephone Consumer Protection Act (TCPA) and the Health Insurance Portability and Accountability Act (HIPAA).

By subscribing to and using our SMS services, you acknowledge that you have read, understood, and agree to the above terms and conditions.

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links, but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct. We do not warrant its completeness or accuracy, nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• Limit or exclude our or your liability for death or personal injury;
• Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• Limit any of our or your liabilities in any way that is not permitted under applicable law; or
• Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

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