Terms and Conditions

1. Acceptance of Terms

By accessing and using the services provided by Garden State Life and Health, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services or submit any of your personal information to us.

2. Communications Consent (TCPA & Contact Policy)

By providing your telephone number and email address to Garden State Life and Health, you provide your express written consent to receive communications from us. This consent includes, but is not limited to:

• Text messages (SMS/MMS) for marketing, informational, and reminder purposes.
• Phone calls, including those made using an automatic telephone dialing system (ATDS) or auto-dialer.
• Calls utilizing artificial voices, prerecorded messages, or Artificial Intelligence (AI) voice assistants.
• Emails containing promotional materials, updates, and appointment reminders.

You acknowledge that your consent to receive these communications is not a condition of purchasing any goods or services from Garden State Life and Health. You may opt-out of these communications at any time by replying "STOP" to any text message, utilizing the unsubscribe link in any email, or directly contacting our office.

3. Data Collection and Privacy

We collect and store the information you provide during registration and appointment booking to deliver personalized healthcare and insurance guidance. We are committed to protecting your privacy; however, by using our services, you acknowledge that your data may be used to facilitate the communication methods outlined in Section 2.

4. No Medical Advice

The information provided during our webinars and consultations is for educational and informational purposes only. Garden State Life and Health and Rick Bender provide guidance on Medicare insurance plans and options, but do not provide medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.

5. Modifications to Terms

Garden State Life and Health reserves the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting to this website. Your continued use of our services constitutes your acceptance of the revised terms.