Miriam Smith Terms and Conditions

Effective Date: July 29, 2025

Welcome to Miriam Smith! These Terms and Conditions ("Terms") govern your use of our website, services, and all associated communications, including SMS/MMS messages and email correspondence. By accessing or using our services, you agree to be bound by these Terms. Please read them carefully.

1. Acceptance of Terms

By accessing or using any part of theMiriam Smith website, signing up for our services, opting into our messaging programs, or otherwise interacting with us, you agree to be bound by these Terms. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any

services.

2. Services Provided

Miriam Smith provides advisory and enrollment services related to Medicare and Medicaid insurance plans. Our services are designed to help eligible individuals understand their options and enroll in suitable health coverage. Our services may include, but are not limited to:

Medicare Plan Advising: Providing information and guidance on Medicare Parts A, B, C (Medicare Advantage), and D (Prescription Drug Plans), Medigap (Medicare Supplement Insurance), and Special Needs Plans (SNPs).

Medicaid Eligibility and Enrollment Assistance: Assisting individuals with understanding Medicaid eligibility requirements and navigating the application and enrollment process.

Plan Comparison and Selection: Helping clients compare various Medicare and Medicaid plans offered by different carriers to identify options that best meet their healthcare and financial needs.

Enrollment Support: Guiding clients through the application and enrollment procedures for chosen insurance plans.

Educational Resources: Providing educational content and updates regarding Medicare, Medicaid, and related health insurance topics.

Appointment Scheduling and Reminders: Facilitating the scheduling of consultations and sending reminders for appointments.

Client Communication: Engaging in direct communication via phone, email, and SMS/MMS to provide information, updates, and support related to insurance services.

Important Note: Miriam Smith acts as an independent insurance advisor. We are not a government agency and do not represent the Medicare or Medicaid programs directly. Our role is to assist you in understanding and accessing these programs and related private insurance options. Our services do not include providing medical advice, legal advice, or tax advice.

3. SMS/MMS Messaging Terms & Conditions (A2P 10DLC Compliance)

By providing your mobile number and opting into any text message marketing or informational program offered by Miriam Smith, you explicitly consent to receive recurring text messages from us to the mobile number you provided. You understand that consent is not a condition of any purchase.

Program Description: Miriam Smith operates various SMS/MMS messaging programs designed to provide you with [e.g., updates, promotional offers, appointment confirmations, reminders, customer service alerts, lead follow-ups, etc.].

Opt-In & Consent Methods: You can opt-in to our SMS/MMS programs through various methods, including but not limited to:

Web Forms: Submitting your mobile number via a web form on our website , where you check an explicit consent box (e.g., "I agree to receive text messages from Miriam Smith. Message and data rates may apply. Reply STOP to unsubscribe. By checking, I agree to the SMS Terms & Conditions and Privacy Policy.").

Keyword Opt-In: Texting a specific keyword (e.g., "JOIN", "START") to our designated SMS number in response to a clear call-to-action.

Verbal Consent: Providing verbal consent to a Miriam Smith representative during a call or in-person interaction, where the nature of the messages (e.g., "Are you okay with receiving SMS appointment reminders?") and opt-out instructions are clearly communicated.

Point-of-Sale/Paper Forms: Providing your mobile number on a physical form at our business location with a clear opt-in statement.

Note: For all opt-in methods, we maintain records of consent, including timestamps and method of collection, for compliance purposes.

Message Content: Messages may include, but are not limited to: promotional offers, new product/service announcements, appointment confirmations and reminders, customer support communications, order updates, and information related to your use of our services.

Supported Carriers: Our messaging programs are supported by all major U.S. carriers, including but not limited to: AT&T, Sprint, T-Mobile, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, and more. Standard message and data rates may apply depending on your mobile plan.

Message Frequency: Message frequency will vary depending on the program(s) you opt into and your engagement with our services. You can expect to receive [e.g., 2-4 messages per week, up to 10 messages per month, etc.].

STOP, HELP, and Opt-Out Instructions:

To cancel your SMS/MMS subscription at any time, simply text STOP to . You will receive one final confirmation message indicating that you have been unsubscribed. After this, you will no longer receive SMS/MMS messages from that specific program.

For help or information regarding our SMS/MMS program, text HELP to or contact our support team at or .

You understand and agree that attempting to opt-out by any means other than texting "STOP" or contacting our support directly may not be effective.

Disclaimer: Carriers are not liable for delayed or undelivered messages.

4. Email Marketing and Communication

By providing your email address and opting into our email communications (e.g., subscribing to a newsletter, requesting information, making a purchase), you consent to receive emails from Miriam Smith regarding [e.g., promotions, updates, educational content, service-related information].

Opt-Out for Email: You can unsubscribe from our marketing emails at any time by clicking the "unsubscribe" link typically found at the bottom of our emails. Please note that even if you opt-out of marketing emails, we may still send you non-promotional, transactional, or administrative emails related to your account or services you have purchased.

Compliance: We adhere to the CAN-SPAM Act and other applicable email marketing regulations.

5. Information Collection and Use

We collect information to provide and improve our services to you.

Types of Information Collected:

Personal Information (PII): This includes information you voluntarily provide to us, such as your name, email address, phone number, physical address, payment information (processed by secure third-party payment processors), and any other information you provide when interacting with our website, forms, surveys, or customer support.

Usage Data: We automatically collect certain information when you visit our website or use our services. This may include your IP address, browser type, operating system, referring URLs, pages viewed, time spent on pages, and other diagnostic data. This data helps us understand user behavior and improve our services.

Cookies and Tracking Technologies: We use cookies and similar tracking technologies (like pixels and web beacons) to track activity on our service and hold certain information. Cookies are small data files stored on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

How We Use Your Information:

To provide, operate, and maintain our services.

To process your transactions and manage your accounts.

To send you service-related communications (e.g., confirmations, invoices, support responses).

To send you marketing and promotional communications, in accordance with your preferences and consent.

To improve our website, products, and services.

To personalize your experience and deliver content relevant to your interests.

To monitor and analyze usage and trends to enhance functionality.

To detect, prevent, and address technical issues or fraudulent activity.

To comply with legal obligations.

6. No Sale of Personal Information & Limited Sharing

Miriam Smith DOES NOT sell your personal information, including your mobile phone number or opt-in consent data, to any third parties for marketing or promotional purposes.

We may share your information only in the following limited circumstances:

With Service Providers: We may share information with trusted third-party service providers who assist us in operating our website, conducting our business, or providing services to you (e.g., GoHighLevel platform, payment processors, email service providers, CRM providers). These third parties are contractually obligated to keep your information confidential and use it only for the purposes for which we disclose it to them.

Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or subpoena).

Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our website of any such change in ownership or control of your personal information.

With Your Consent: We may share your information for any other purpose with your explicit consent.

7. Data Security

We implement reasonable security measures designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

8. Your Choices and Rights

You have certain rights regarding your personal information, subject to applicable law:

Access: You may request access to the personal information we hold about you.

Correction: You may request that we correct any inaccurate or incomplete personal information.

Deletion: You may request the deletion of your personal information, subject to certain exceptions.

Opt-Out: As described above, you can opt-out of SMS/MMS and email marketing communications.

Data Portability: You may request a copy of your personal information in a structured, commonly used, and machine-readable format.

Objection/Restriction: You may object to or request restriction of the processing of your personal information in certain circumstances.

To exercise any of these rights, please contact us at or . We will respond to your request within a reasonable timeframe, in accordance with applicable laws.

9. Children's Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from children without verification of parental consent, we take steps to remove that information from our servers.

10. Links to Other Websites

Our service may contain links to third-party websites that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We strongly advise you to review the Privacy Policy and Terms and Conditions of every site you visit.

11. Changes to These Terms and Conditions

We may update our Terms and Conditions from time to time. We will notify you of any changes by posting the new Terms and Conditions on this page and updating the "Effective Date" at the top. We may also notify you via email or a prominent notice on our website prior to the change becoming effective. Your continued use of the service after such changes constitutes your acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of , without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

Miriam Smith

17703 Gilbert Ave. SE, Tenino WA 98589

3602435335