Terms Of Service

Effective Date: 01/01/2025

Welcome to Stella Health Insurance Agency (“Company,” “we,” “our,” or “us”). By using our website stellainsurance.com and our services, you (“User,” “you,” or “your”) agree to these Terms of Service (“TOS”).

If you do not agree to these terms, please do not use our website or services.

1. Acceptance of Terms

By accessing or using stellainsurance.com, contacting us via phone, email, or SMS, or engaging with our health insurance services, you acknowledge that you have read, understood, and agreed to these Terms of Service.

These Terms include our Privacy Policy, which governs how we collect, use, and protect your personal information.

2. Services Provided

Stella Health Insurance Agency provides health insurance-related services, including but not limited to:

Medicare plans and consultations
Covered California assistance
General health insurance guidance
Licensed agent appointments
Insurance education resources

Our services are only available to residents of states where we are licensed to operate.

We do not offer legal, tax, or medical advice. Any information provided should not be interpreted as professional advice, and you should consult with a qualified expert before making decisions regarding your insurance coverage.

3. Compliance with Health Insurance Regulations

Our agency complies with all applicable laws and regulations governing the sale of health insurance, including but not limited to:

CMS (Centers for Medicare & Medicaid Services) Regulations
HIPAA (Health Insurance Portability and Accountability Act)
State Department of Insurance Rules & Regulations
TCPA (Telephone Consumer Protection Act) Compliance for Marketing & Communications

By submitting your contact information, you consent to receiving communications from our agency, including calls, text messages, and emails regarding our services. You can opt out of these communications at any time.

4. SMS and Text Message Communications

4.1. Consent to Receive SMS Messages

By providing your phone number and opting in, you consent to receive text messages from Stella Health Insurance Agency regarding:

Appointment confirmations and reminders
Insurance policy updates
General customer service messages
Promotional offers and alerts

Messages may be sent using an automated system via SalesMessage (https://app.salesmessage.com) in compliance with the TCPA (Telephone Consumer Protection Act) and CTIA guidelines.

4.2. Opting Out of SMS Messages

You can opt out of text messages at any time by replying STOP to any message. You may also contact us directly to be removed from SMS communications.

4.3. Message and Data Rates May Apply

Standard message and data rates may apply based on your mobile carrier’s plan. Stella Health Insurance Agency is not responsible for any charges incurred from receiving our SMS messages.

4.4. Frequency of Messages

We strive to send messages only when necessary. The number of messages you receive may vary based on your interaction with our services.

5. Third-Party Links and Services

Our website may contain links to third-party websites, including insurance carriers and service providers. We do not endorse or control these third-party sites and are not responsible for their content or privacy practices.

6. Disclaimer of Warranties

Stella Health Insurance Agency provides services “as is” and makes no guarantees regarding the accuracy, completeness, or suitability of any information provided. We disclaim all warranties, express or implied, to the fullest extent permitted by law.

7. Limitation of Liability

To the maximum extent allowed by law, Stella Health Insurance Agency is not liable for any direct, indirect, incidental, special, or consequential damages resulting from:

Use of our website or services
Errors, omissions, or inaccuracies in the information provided
Unauthorized access to or use of your personal information

8. Indemnification

You agree to indemnify and hold Stella Health Insurance Agency, its employees, agents, and affiliates harmless from any claims, damages, losses, liabilities, or expenses arising out of:

Your use of our website or services
Violation of these Terms of Service
Any unlawful, fraudulent, or harmful activities conducted through your account

9. Changes to These Terms

We may update these Terms of Service at any time. Changes will be posted on this page, and your continued use of our website and services constitutes acceptance of the updated terms.

10. Governing Law

These Terms of Service shall be governed and interpreted according to the laws of the State of California, without regard to conflict of law principles. Any disputes arising from these terms shall be resolved in the courts of California.

11. Contact Information

For questions regarding these Terms of Service, please contact us at:

📧 Email: info@stellainsurance.com
📞 Phone: 1 (855) 866-8089
📍 Address: 2210 W Beverly Blvd, Montebello, CA 90640