Terms of Service
These Terms of Service ("Terms") govern your use of the website and services of Telios Health & Wealth, a DBA of Chad Galbreath ("Telios Health & Wealth," "we," "us," or "our"), a sole proprietorship and licensed insurance agency located in Gilbert, Arizona. By accessing our website, submitting a form, or communicating with us, you agree to these Terms.
Our Services
Telios Health & Wealth, a DBA of Chad Galbreath provides insurance guidance and assistance in reviewing and selecting health insurance and related coverage. This is a solicitation for insurance. A licensed insurance agent may contact you. We do not offer every plan available in your area; any information we provide is limited to those plans we do offer. Coverage is subject to eligibility, underwriting, carrier approval, and applicable state and federal regulations. Nothing on this website is a guarantee of coverage, benefits, eligibility, or pricing.
No Professional Advice
Information on this website is provided for general educational purposes and does not constitute legal, tax, financial, or medical advice. You should consult an appropriate licensed professional regarding your specific situation.
SMS / Text Messaging Terms
By providing your mobile number and opting in through our forms, you agree to the following SMS terms:
- Program description: Telios Health & Wealth, a DBA of Chad Galbreath sends marketing and/or transactional text messages regarding coverage options, quotes, enrollment periods, plan reviews, appointment scheduling, confirmations, and reminders.
- Consent: You provide express consent to be contacted by text, phone call, and email at the number and address you provide, including via automated systems and automatic telephone dialing systems (ATDS). Consent is not a condition of purchasing any product or service.
- Message frequency: Message frequency varies.
- Cost: Message and data rates may apply.
- Opt-out: Reply STOP at any time to stop receiving messages. Reply HELP for assistance.
- Eligibility: You confirm you are at least 18 years old and are the subscriber or customary user of the phone number provided.
- DNC: This consent applies even if your number is listed on a state or federal Do Not Call registry.
- Carrier liability: Mobile carriers (including but not limited to AT&T, T-Mobile, Verizon, and their affiliates) are not liable for delayed or undelivered messages. Delivery of text messages is subject to effective transmission by your wireless carrier and is not guaranteed.
Mobile information and consent records (including phone numbers and SMS opt-in data) will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors and service providers in support of our Services (such as CRM, calendar, messaging, or compliance providers) is permitted only for the purpose of delivering those Services to you.
Your Responsibilities
You agree to provide accurate information, to use the website lawfully, and not to interfere with its operation or security. You are responsible for the confidentiality of any account credentials you may create.
Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of Telios Health & Wealth, a DBA of Chad Galbreath or its licensors and is protected by applicable law. You may not reproduce or distribute it without permission.
Disclaimers & Limitation of Liability
The website and services are provided "as is" and "as available" without warranties of any kind, express or implied. To the fullest extent permitted by law, Telios Health & Wealth, a DBA of Chad Galbreath is not liable for any indirect, incidental, or consequential damages arising from your use of the website or services.
Third-Party Links
Our website may link to third-party sites or tools (such as scheduling or carrier resources). We are not responsible for the content or practices of those third parties.
Governing Law
These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-law principles.
Changes to These Terms
We may update these Terms at any time. Changes are effective when posted, and the "Last updated" date reflects the most recent revision. Continued use of the website constitutes acceptance of the revised Terms.
Contact Us
Telios Health & Wealth, a DBA of Chad Galbreath
3231 E Blue Sage Rd, Gilbert, AZ 85297
Email: [email protected]
Phone: +1 (310) 849-1998
This is a solicitation for insurance. A licensed insurance agent may contact you. Telios Health & Wealth, a DBA of Chad Galbreath is a licensed insurance agency and does not offer every plan available in your area.