TotalCare Insurance Group, LLC – Website Terms and Conditions

Last Updated: July 27, 2025

Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the TotalCare Insurance Group, LLC website (the “Service”) operated by TotalCare Insurance Group, LLC (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who wish to access or use the Service.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you do not have permission to access the Service.

1. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of TotalCare Insurance Group, LLC and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of TotalCare Insurance Group, LLC.

2. Use of the Service

You agree to use the Service only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Service. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within the Service.

3. Disclaimers

The information provided on this website is for general informational purposes only and does not constitute professional insurance, financial, or legal advice. While we strive to keep the information up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Insurance policies and coverages are subject to specific terms, conditions, limitations, and exclusions. For accurate and personalized information regarding your insurance needs, please consult directly with a licensed agent from TotalCare Insurance Group, LLC.

4. Limitation of Liability

In no event shall TotalCare Insurance Group, LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

5. Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by TotalCare Insurance Group, LLC.

TotalCare Insurance Group, LLC has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that TotalCare Insurance Group, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

6. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

7. Indemnification

You agree to defend, indemnify, and hold harmless TotalCare Insurance Group, LLC and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; or b) a breach of these Terms.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of [State where TotalCare Insurance Group, LLC is registered], United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding the Service.

9. Changes to Terms and Conditions

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

10. Contact Us

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

• By email: totalcareinsurancegroup@gmail.com
  
• By phone number: 210-767-2196

SMS Terms & Conditions

1- SMS Consent Communication:

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

2- Types of SMS Communications:

If you have consented to receive text messages from Total Care Insurance Group, LLC, you may receive messages related to the following (provide specific examples):

• Appointment reminders
• Follow-up messages
• General inquiries about your accounts
• Account Notifications

 

 

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

3- Message Frequency:

Message frequency may vary depending on the type of communication. For example, you may receive up to [X] SMS messages per week related to your [appointments/billing, etc.].

Example:
“Message frequency may vary. You may receive up to 2 SMS messages per week regarding your appointments or account status.”

4- 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.

5- Opt-In Method:

You may opt-in to receive SMS messages from TotalCare Insurance Group, LLC in the following ways:

– By submitting an online form

6- 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.

7- Help:

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at Contact Us

Additional Options:

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

8- Standard Messaging Disclosures:

Message and data rates may apply.
You can opt-out at any time by texting “STOP.”
For assistance, text “HELP” or visit our Privacy Policy and Terms and Conditions pages.
Message frequency may vary
II. Privacy Policy
A. A privacy policy needs to inform customers about how the company collects, uses, and shares their customer’s information.
B. The privacy policy should be easy to find and linked to all pages (footer or header).
C. The privacy policy needs to be on a single page or pop-up window.
The privacy policy’s sharing section must explicitly state:”SMS opt-in or phone numbers for the purpose of SMS are not being shared with any third party and affiliate company for marketing purposes.”

Additional Considerations:

– Please refrain from providing examples of full privacy policies.

-The privacy policy cannot be vague or simple; it needs to take all aspects of use, collection, and sharing into consideration.

A company can share information as long as it does not share SMS consent or phone numbers for SMS by providing the disclaimer; it will be compliant.

– PDF files are generally acceptable for privacy policies when they are easily accessible and include the required SMS statement.