Terms of Service

Last updated: June 2026

Welcome to the website of Carlos Vielma Hurtado (“we,” “us,” or “our”).

By accessing or using this website and our services, you agree to these Terms of Service (“Terms”). If you do not agree with these Terms, please do not use this website.

Services and Website Use

This website provides information and allows users to request insurance quotes, guidance, appointments, and assistance related to health insurance, ACA/Obamacare plans, life insurance, and related protection services.

We do not guarantee coverage, rates, approval, eligibility, subsidies, or acceptance by any insurance carrier. Any coverage, premium, benefit, or eligibility determination is subject to carrier rules, underwriting, plan availability, state regulations, and the information provided by the applicant.

You agree to use this website only for lawful purposes and not to misuse forms, contact information, communication tools, or any feature provided on the website.

No Legal, Tax, Financial, or Medical Advice

Information provided on this website is for general informational purposes only.

Nothing on this website should be considered legal, tax, financial, medical, or professional advice. Insurance products, benefits, networks, availability, premiums, deductibles, copays, subsidies, and eligibility may vary by state, county, income, age, household size, carrier, and individual circumstances.

You should carefully review all plan documents, carrier information, and official policy terms before making a decision.

SMS Messaging Program / Text Messages

If you provide your phone number and opt in through our website form, you consent to receive SMS text messages from Carlos Vielma Hurtado.

Message types may include:

Quote follow-ups.
Application or request status updates.
Policy or plan information.
Appointment confirmations and reminders.
Customer support responses.
Enrollment period reminders.
Updates related to health insurance, life insurance, or protection services.

If you separately opt in to marketing messages, you may also receive promotional messages, plan updates, special offers, enrollment reminders, and service-related marketing communications.

Message frequency may vary.

Message and data rates may apply according to your mobile carrier.

Opt-Out: You may reply STOP at any time to cancel SMS messages.

Help: You may reply HELP at any time for assistance.

Consent to receive SMS messages is not a condition of purchase.

Carrier Liability Disclaimer: Mobile carriers are not liable for delayed or undelivered messages.

We do not share, sell, rent, or transfer SMS consent, phone numbers, or opt-in data with third parties, affiliates, or external partners for marketing purposes.

Age Restriction

By using this website and/or opting in to receive SMS messages, you confirm that you are at least 18 years old.

If you are under 18, you may not use this website, submit forms, request services, or enroll in our messaging program.

User Submissions and Accuracy of Information

You agree that any information you submit through our forms is accurate, complete, and true to the best of your knowledge.

You are responsible for providing correct contact information so that we can reach you regarding your request, quote, appointment, application, or service inquiry.

Providing incorrect, incomplete, or false information may affect your ability to receive accurate insurance options, quotes, eligibility reviews, or service assistance.

Intellectual Property

All content on this website, including text, images, graphics, layout, forms, design elements, and branding, is owned by or licensed to Carlos Vielma Hurtado and may not be copied, reproduced, modified, distributed, or used without prior written permission.

Disclaimers and Limitation of Liability

This website and its contents are provided “as is” and “as available,” without warranties of any kind, either express or implied.

We do not guarantee that the website will be uninterrupted, error-free, secure, or available at all times.

To the maximum extent permitted by law, Carlos Vielma Hurtado will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website, services, communications, forms, or insurance-related information.

Your use of this website and our services is also subject to our Privacy Policy, which explains how we collect, use, protect, and share your information.

Please review our Privacy Policy here:

https://www.protegeteinsurance.com/policy

Third-Party Services

We may use third-party platforms or service providers for website hosting, CRM, forms, SMS messaging, email communication, analytics, appointment scheduling, and insurance-related processing.

These providers may process information only as needed to support the services requested by the user and in accordance with applicable privacy and security practices.

Changes to These Terms

We may update these Terms of Service from time to time.

Any updates will be posted on this page with a new “Last updated” date. Continued use of the website after changes are posted means that you accept the updated Terms.

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

Carlos Vielma Hurtado
Health and Life Insurance Advisor

Address: 116 Village Blvd, Princeton, NJ 08540, USA
Phone: +1 609-271-2772
Email: [email protected]
Website: https://www.protegeteinsurance.com/carlos-vielma-hurtado