Terms of Service

1. About These Terms

These Terms of Service (“Terms”) govern your use of telioshw.com and the services offered by Telios Health & Wealth, a registered DBA (Doing Business As) of Chad Galbreath, a sole proprietorship and licensed insurance agency. By using our website, submitting a form, booking a consultation, or otherwise engaging with us, you agree to these Terms.

If you do not agree, please do not use our services.

Reference to Privacy Policy: Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, share, and protect personal information. The full Privacy Policy is available at: https://telioshw.com/privacy-policy. By using our services, you acknowledge that you have read and agree to our Privacy Policy. Our SMS Policy is also available at: https://telioshw.com/sms-policy.

2. Our Services

Telios Health & Wealth provides Medicare insurance guidance, plan comparisons, enrollment assistance, and related insurance services. We are appointed with multiple insurance carriers and operate under state insurance department licensure. 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.

3. Eligibility

You must be at least 18 years old and a resident of the United States to use our services. By using our services, you represent and warrant that you meet these requirements and that any information you submit is accurate, current, and your own (or that of someone you are authorized to represent).

4. Consent to Contact

5. SMS Terms

By opting in to SMS, you agree to receive recurring marketing and transactional text messages from Telios Health & Wealth (a DBA of Chad Galbreath, a sole proprietorship). Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for help. Mobile information and consent records will not be shared with third parties or affiliates for marketing or promotional purposes. See our SMS Policy (https://telioshw.com/sms-policy) for full details.

Carrier Liability Disclaimer: Carriers (including but not limited to AT&T, Verizon, T-Mobile, Sprint, US Cellular, and other participating wireless carriers) are not liable for delayed or undelivered messages. Message and data rates may apply for any messages sent to you from us and to us from you. Your wireless carrier is not responsible for any delayed, lost, or undelivered messages. You agree that the carrier shall not be liable for any failures, delays, or errors in the transmission of any text message.

6. Medicare & Insurance Disclosures

• This is a solicitation for insurance. A licensed insurance agent may contact you.
• Telios Health & Wealth is not connected with or endorsed by the U.S. government, the federal Medicare program, or any state agency.
• 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.
• For information on all of your Medicare options, please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227), 24 hours a day / 7 days a week. TTY users should call 1-877-486-2048.
• Plan availability, premiums, benefits, copayments, coinsurance, and provider networks may change. Final coverage decisions are made by the insurance carrier you select.

7. User Conduct

You agree not to use the website or our services to: violate any law; submit false, misleading, or fraudulent information; interfere with the operation of the site; or harass, threaten, or defraud anyone.

8. Intellectual Property

All content on telioshw.com — including text, graphics, logos, design, and software — is the property of Chad Galbreath (DBA Telios Health & Wealth) or licensed to us, and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not reproduce, modify, distribute, or use any content without our prior written permission.

9. Disclaimers

The website and our services are provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee specific outcomes, plan availability, premiums, or savings. Information on the site is for general educational purposes and does not constitute legal, tax, medical, or comprehensive financial advice.

10. Limitation of Liability

To the fullest extent permitted by law, Chad Galbreath (DBA Telios Health & Wealth) shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the website or our services. Our total liability for any claim arising out of or related to these Terms shall not exceed one hundred U.S. dollars (US$100).

11. Indemnification

You agree to indemnify and hold harmless Chad Galbreath (DBA Telios Health & Wealth), our agents, and service providers from any claim, demand, loss, or expense (including reasonable attorneys’ fees) arising out of your breach of these Terms, your misuse of the services, or your violation of any law or third-party right.

12. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws principles. Any dispute arising out of or related to these Terms or our services shall be brought exclusively in the state or federal courts located in Maricopa County, Arizona, and you consent to personal jurisdiction in those courts.

13. Changes to These Terms

We may update these Terms at any time. The “Last updated” date at the top reflects the most recent revision. Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.

14. Contact Us

Questions about these Terms? Contact:

Chad Galbreath (DBA Telios Health & Wealth)
3231 E Blue Sage Rd, Gilbert, AZ 85297
Email: [email protected]
Hours: Mon–Fri 9am–6pm ET