Terms and Conditions

Welcome to PlanSaludFamiliar.com, a website operated by Mario Barrera LLC, doing business as (DBA) Plan Salud Familiar (hereinafter, "Plan Salud Familiar", "we", "us", or "the Agency"). By accessing or using this website (the "Site"), you agree to these Terms and Conditions. If you do not agree with them, please do not use this Site.

1. Purpose of the Site

Plan Salud Familiar provides educational information related to health plans available on the Affordable Care Act (ACA) Marketplace, medical provider directories, tools to request quotes, contact licensed agents, and access resources related to medical coverage. The content published is for informational purposes only and does not constitute legal, tax, or medical advice.

2. Permitted Use

You agree to use this Site for lawful purposes only. You may use the Site to:

Request information or quotes.

Locate providers and consult available plans.

Contact licensed agents.

Request assistance related to medical coverage.

Schedule appointments.

3. Restrictions

You agree not to perform any of the following actions:

Use false information or impersonate another person.

Register third-party information without express authorization.

Reverse engineer or attempt unauthorized access to servers, databases, or APIs.

Automate queries using bots, scraping, or similar tools.

Distribute malware, send spam, or interfere with the normal operation of the Site.

4. Intellectual Property

All content on the Site (design, logos, databases, directories, images, text, software, and code) is the property of Mario Barrera LLC (DBA Plan Salud Familiar) or its licensors. Reproduction without written authorization is prohibited.

5. Accuracy of Information

Although we strive to keep information updated, we do not guarantee that premiums, subsidies, networks, eligibility, or plan availability will remain unchanged. Information may be modified at any time by CMS, Health Insurance Marketplaces, or insurance companies.

6. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO EXPRESS OR IMPLIED WARRANTIES REGARDING AVAILABILITY, ACCURACY, CONTINUITY, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.

7. Limitation of Liability

To the maximum extent permitted by law, Mario Barrera LLC (DBA Plan Salud Familiar) shall not be liable for indirect, incidental, special, consequential, exemplary damages, loss of revenue, or loss of data arising from the use of the Site. The maximum cumulative liability shall not exceed USD $100, unless applicable law provides otherwise.

8. Force Majeure

We will not be liable for delays or interruptions caused by power failures, internet outages, technology providers (such as CMS, HealthSherpa, Telnyx, Hostinger), external vendors, natural disasters, or regulatory changes.

9. SMS Messaging Consent

If you voluntarily provide your mobile phone number and check the independent box designated for SMS messaging consent, you authorize Mario Barrera LLC (DBA Plan Salud Familiar) to send messages related exclusively to the requested services.

Optional Nature: SMS consent is completely optional. It is not a condition for receiving information, requesting quotes, using the Site, or purchasing any service. It is independent of the general acceptance of these Terms and Conditions and our Privacy Policy.

Types of Messages: Messages may include appointment reminders, customer service, updates on applications or policies, verification codes, and other expressly requested communications. We do not send unsolicited SMS messages.

Frequency and Rates: Message frequency may vary. Message and data rates may apply depending on your mobile carrier.

Cancellation (Opt-Out): You can cancel your consent at any time by replying STOP.

Assistance: You can request help by replying HELP. You can also contact us at 1-877-503-0777 or write to info@plansaludfamiliar.com.

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

10. Cancellation of SMS Consent

The user may revoke their consent to receive SMS messages at any time by replying STOP. Once the request is processed, we will stop sending SMS messages, except for a single final message to confirm cancellation. The cancellation of SMS consent does not affect access to the Site or the ability to communicate with us through other means.

11. Accuracy of Provided Information

The user declares that the information provided is true, that the phone number belongs to them (or they have legal authorization to use it), and that the email address is valid.

12. Communication Preferences

The user may modify their communication preferences at any time by contacting us at info@plansaludfamiliar.com or calling 1-877-503-0777.

13. Mobile Information Privacy

Mario Barrera LLC (DBA Plan Salud Familiar) does not sell, rent, share, or disclose mobile phone numbers or SMS consent records to third parties or affiliates for marketing or promotional purposes. Information may only be shared with technology providers rendering services strictly necessary for sending messages or operating the platform, in accordance with applicable legislation and under strict confidentiality obligations.

14. Regulatory Compliance

Mario Barrera LLC (DBA Plan Salud Familiar) operates in accordance with applicable United States laws and strives to comply with:

Affordable Care Act (ACA) and CMS Marketplace Rules.

TCPA (Telephone Consumer Protection Act).

CTIA Messaging Principles and Best Practices.

Applicable FCC regulations.

Mobile carrier requirements for A2P messaging and policies of our technology providers.

15. Arbitration and Governing Law

Any dispute shall be resolved through binding arbitration administered by the American Arbitration Association (AAA), unless applicable law provides otherwise. Both parties waive the right to a jury trial and to participate in class actions. Arbitration shall take place in the State of Texas. These Terms shall be governed by the laws of the State of Texas.

16. Severability and Modifications

If any provision is found to be invalid, the remaining provisions will continue in full force and effect. We may modify these Terms at any time. The current version will be posted on this page indicating the date of the update. Continued use of the Site implies acceptance of the changes.

17. Contact Information

Mario Barrera LLC DBA Plan Salud Familiar 📍 457 Laurence Dr STE 432, Heath, TX 75032, United States 📞 1-877-503-0777 📧 info@plansaludfamiliar.com 🌐 https://plansaludfamiliar.com