Terms of Service

Effective Date: February 24, 2026

1. Acceptance of Terms

By accessing or using https://www.healthwealthguardians.com (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our Site.

2. Services Provided

Health & Wealth Guardians, LLC provides an informational platform and a point of contact for individuals seeking health insurance information. We are not an insurance carrier. We provide links to third-party quoting engines and tools to help you find insurance coverage.

3. Not Professional Medical or Legal Advice

The content on this Site is for informational purposes only. We do not provide medical, legal, or tax advice. You should consult with a licensed professional regarding your specific health insurance needs and legal obligations.

4. Third-Party Links & Services

Our Site contains links to third-party websites (e.g., insurance carrier quoting portals).

  • No Control: We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

  • No Guarantee: We do not guarantee the accuracy of quotes or the availability of specific insurance plans provided by third parties. Your interaction with any third party found through our Site is solely between you and that party.

5. User Conduct & Accuracy of Information

You agree to provide accurate, current, and complete information when using our contact forms. You are prohibited from:

  • Using the Site for any any illegal purpose

  • Impersonating any person or entity

  • Attempting to interfere with the proper working of the Site

6. Consent to Communication (TCPA Disclosure)

By submitting your contact information, you provide your express written consent to be contacted by Health & Wealth Guardians, LLC via:

  • Telephone calls (including to cellular phones)

  • Text messages (SMS/MMS)

  • Email

You acknowledge that your consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. You may opt out at any time by following the instructions in our Privacy Policy.

7. Limitation of Liability

To the maximum extent permitted by law, Health & Wealth Guardians, LLC shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of the Site or any third-party services linked through our Site.

8. Indemnification

You agree to indemnify and hold harmless Health & Wealth Guardians, LLC and its members from and against any claims, damages, or expenses arising out of your use of the Site or your violation of these Terms.

9. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Iowa, without regard to its conflict of law provisions. You agree that any legal action or proceeding between Health & Wealth Guardians, LLC and you for any purpose concerning these Terms shall be brought exclusively in a court of competent jurisdiction sitting in Johnson County, Iowa.

10. Professional Licensing

Health & Wealth Guardians, LLC is a licensed insurance producer in the State of Iowa and additionally holds non-resident licenses in Arizona, Colorado, Illinois, Florida, Texas, and Wisconsin. Our National Producer Number (NPN) is 18666302. We only solicit insurance in jurisdictions where we are properly licensed.

11. Contact Us

If you have any questions about these Terms, please contact us at: HealthandWealthGuardians@gmail.com