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ZAMBRANO INSURANCE GROUP

Terms & Conditions — Last Updated: March 30, 2026

1. Acceptance of Terms

By accessing or using the services provided by Zambrano Insurance Group LLC ("Company," "we," "us," or "our"), including our website https://www.zambranoig.com/, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.

2. Services Description

Zambrano Insurance Group provides health insurance advisory services, including but not limited to:

3. SMS Terms and Conditions

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

4. Types of SMS Communications

If you have consented to receive text messages from Zambrano Insurance Group, you may receive messages related to:

Example: "Hello, this is a friendly reminder of your upcoming appointment with Zambrano Insurance Group on [Date] at [Time]. Reply STOP to opt out at any time."

5. Message Frequency

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

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

6. 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.

7. Opt-In Method

You may opt in to receive SMS messages from Zambrano Insurance Group in the following ways:

8. Opt-Out Method

You can opt out of receiving SMS messages at any time by replying STOP to any SMS message you receive. You can also contact us directly to request removal from our messaging list.

9. Help

If you are experiencing issues, you can reply with the keyword HELP. You can also get help directly at https://www.zambranoig.com/#contact or by calling +1 (817) 770-9438.

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

10. Standard Messaging Disclosures

11. User Responsibilities

You agree to:

12. Privacy

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

13. Limitation of Liability

Zambrano Insurance Group acts as an insurance advisor and facilitator. We do not provide medical services, nor do we guarantee specific coverage or claim outcomes. Final coverage decisions are made by the insurance carriers. We are not liable for any decisions made by insurance companies regarding your enrollment or claims.

14. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Zambrano Insurance Group LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

15. Modifications

We reserve the right to update these Terms and Conditions at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the modified terms.

16. Governing Law

These Terms and Conditions are governed by the laws of the State of Texas, United States of America.

17. Contact Us

For questions about these Terms and Conditions, contact us: