Terms and Conditions of Use 2/10/2025

Introduction
This website is maintained by Caldwell Individual & Medicare for your personal information, entertainment, and enjoyment. Please feel free to browse, download from, talk back to, and otherwise use the site. At the same time, please remember that your access to the Caldwell Individual & Medicare site is subject to the following terms, conditions, and notices (the "Terms"), as well as all applicable laws. By accessing and using Caldwell Individual & Medicare, you accept the Terms without limitation or qualification. Caldwell Individual & Medicare may at any time revise these Terms by updating this posting. You are bound by such revisions and should therefore visit this page to review the current Terms from time to time. Caldwell Individual & Medicare reserves the right, without notice and for any reason, to remove any content on this site, and to deny access of any user or users to all or any part of this site.

Text Message
If you have consented to receive text messages from, The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

If you have consented to receive text messages from Caldwell Individual & Medicare, you may receive text messages related to, for example. Appointment reminders, meetings, and follow-up on Applications.
For Example: Hello, thank you for contacting Caldwell Individual & Medicare, how can we help you? Reply Stop to opt-out at any time. Message and data rates may apply, for assistance, Text Help"
Message Frequency: Our SMS message frequency will vary from time to time, but usually won’t exceed be from 100 to 150 text messages daily.

Caldwell Individual & Medicare offers text messaging services that allow you to receive Caldwell Individual & Medicare communications on your mobile device. To receive alerts from Caldwell Individual & Medicare, reply "YES" or “Y” to the opt-in message. By opting in for text messaging service, you, the user, agree to the Terms and Conditions as well as the Privacy Policy for Caldwell Individual & Medicare as it pertains to specific usage of the text messaging service:

Caldwell Individual & Medicare -Messages include information on Premiums, Health Insurance Account Info and Updates to your Account.

opt-in text “Yes” or “Y” to the text message
Opt-out: You may opt out by texting "STOP" Once opted out, they will receive no further SMS communication. They can opt back in at any time by replying "YES" or “Y”

Text HELP for help.
Short Message Service (SMS) is a text messaging feature offered on a phone, application, or mobile device that allows you to send messages from one device to another.

Your carrier's standard messaging rates apply to your entry or submission message, our confirmation and all subsequent SMS correspondence. Please contact your wireless carrier for information about your messaging plan. Your carrier may impose message or charge limitations on your account that are outside our control. All charges are billed by and payable to your mobile service provider. Message and Data Rates may apply.
By subscribing, you consent to receiving messages from time to time each month. You represent that you are the owner or authorized user of the wireless device you use to subscribe for the service, and that you are authorized to approve the applicable charges.
We will not be liable for any delays or failures in your receipt of any SMS messages as delivery is subject to effective transmission from your network operator and processing by your mobile device. SMS message services are provided on an AS IS, AS AVAILABLE basis.
Data obtained from you in connection with this SMS service only includes your cell phone number, your carrier's name, and the date, time and content of your messages and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop and improve the service. Your wireless carrier and other service providers may also collect data about your SMS usage, and their practices are governed by their own policies. We will only use the information you provide to the service to transmit your text message or as otherwise described in this document. Nonetheless, we always reserve the right to disclose any information necessary to satisfy any law, regulation or governmental request. When you complete forms online or otherwise provide us with information in connection with the service, you agree to provide accurate, complete, and true information.
The service and the content and materials received through the service are proprietary to us or our licensors, and is for your personal, non-commercial use only. You shall not damage, impair, interfere with or disrupt the service or its functionality.
The service is available only in the United States.
We reserve the right to alter charges and/or these terms and conditions from time to time. We may suspend or terminate the service to you if we believe you are in breach of our terms and conditions. Your service is also subject to termination if your wireless service terminates or lapses. We may discontinue the service at any time.