Terms & Conditions

These Terms & Conditions (“Terms”) govern your use of the Zambito Health Quotes website and our text messaging program. The site and program are operated by Zambito Enterprise LLC, doing business as Zambito Health Quotes (“we,” “us,” or “our”). By using our website or opting in to our text messages, you agree to these Terms.

1. Our services

Zambito Health Quotes helps individuals, families, seniors, and small businesses compare health insurance, Medicare, and supplemental coverage options. Requesting a quote or consultation is free and does not enroll you in any plan or obligate you to buy anything.

• Quotes are estimates based on the information provided. Final premiums, benefits, eligibility, and approval are determined by the insurance carrier and are described in the carrier’s official plan documents.
• We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week to get information on all of your options.
• Zambito Health Quotes is not connected with or endorsed by the U.S. government or the federal Medicare program.
• Carrier availability varies by state and plan.

2. Information only

Content on this website is general and educational. It is not legal, tax, financial, or medical advice. Insurance rules, enrollment dates, and plan details change. Please confirm details with us or with the carrier before making a decision.

3. SMS Terms

Program name

Zambito Health Quotes

Program description

When you opt in through the consent checkbox on our website form, you may receive the following text messages at the mobile number you provided:

• Transactional and service messages (requires the SMS consent checkbox): responses to your insurance quote request, appointment scheduling and reminders, and policy follow-ups.
• Promotional messages (only if you separately check the marketing consent checkbox): enrollment-season reminders and news about plan options.

Both consents are optional and separate. Consent is not a condition of purchase.

Message frequency and cost

Message frequency varies. Message and data rates may apply. Check with your mobile carrier for details about your plan.

How to opt out

You can cancel at any time. Text STOP to the number that messaged you. After you send STOP, you’ll receive one confirmation message that you’ve been unsubscribed, and you won’t receive further text messages from us. If you want to join again, opt in through our website form or text START.

How to get help

Text HELP to the number that messaged you, or contact us at 813-361-1513 or ZambitoHealthQuotes@gmail.com.

Carrier liability

Carriers are not liable for delayed or undelivered messages.

Privacy

We respect your privacy. Mobile information is not shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for details on how we handle your information.

4. Use of this website

You agree to use this website only for lawful purposes and to provide accurate information when you submit our form. Please don’t submit Social Security numbers, Medicare numbers, dates of birth, or health information through the website. You may not attempt to interfere with the site’s operation or security.

5. Intellectual property

The Zambito Health Quotes name, logo, and website content are owned by Zambito Enterprise LLC and may not be copied or reused without permission. Carrier logos and names are trademarks of their respective owners. Their appearance on this site does not imply endorsement of Zambito Health Quotes.

6. Disclaimers and limitation of liability

This website is provided “as is” without warranties of any kind. While we work to keep information accurate and current, we don’t guarantee that it is complete or error-free. To the fullest extent permitted by law, Zambito Enterprise LLC will not be liable for any indirect, incidental, or consequential damages arising from your use of this website or the text messaging program. Websites we link to, such as Medicare.gov or HealthCare.gov, are operated by others, and we are not responsible for their content.

7. Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules.

8. Changes to these Terms

We may update these Terms from time to time. Changes take effect when posted on this page with a new effective date.

9. Contact us