Terms and Conditions

Last Updated: November 10, 2026

 

Welcome to the website of Health Carolinas ("Health Carolinas," "company," "we," "us," or "our"), accessible at www.healthcarolinas.com. Please read these Terms and Conditions ("Terms") carefully before using our website or services.

 

By accessing, browsing, or using our website, submitting your contact information, or enrolling in SMS communications, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy located at www.healthcarolinas.com/privacy. If you do not agree to these Terms, you must discontinue use of our website and services immediately.

 

1. Description of Services & Insurance Agency Disclaimer

Health Carolinas operates as an independent healthcare insurance consultancy and agency. We assist consumers in obtaining health insurance information, quotes, plan comparisons, and enrollment assistance with third-party insurance carriers.

 

• Not an Insurance Underwriter: Health Carolinas is an independent agency and is not an insurance carrier, underwriter, or government entity.

   

• Non-Binding Quotes: All insurance plan options, quotes, rates, premium estimates, coverage details, and eligibility information displayed on this website or communicated by our agents are provided for informational purposes only. Quotes are subject to change and do not constitute a binding contract or offer of insurance.

   

• Carrier Approval: Final rates, policy issuance, coverage effective dates, and eligibility terms are determined solely by the issuing insurance carrier upon review of a completed application. Health Carolinas cannot guarantee acceptance or specific pricing.

   

2. SMS Text Messaging Terms & Conditions

By providing your mobile phone number to Health Carolinas through our website forms, phone conversations, or email communications, you explicitly consent to receive transactional, administrative, policy-related, and promotional text messages from Health Carolinas.

 

Program Details & Compliance:

• Business Identity: Text communications are sent by or on behalf of Health Carolinas.

• Product / Service Description: Text messages may include healthcare-related information, insurance plan options, application updates, enrollment status notifications, policy reminders, and responses to customer inquiries.

• Consent Terms: By providing your mobile phone number, you agree to receive text messages from Health Carolinas at the number provided, sent using an automated system. Consent is not a condition of purchase or enrollment.

• Message Frequency: Message frequency varies based on your inquiry level, policy requests, or active enrollment status.

• Rates & Charges: Message and data rates may apply according to your mobile carrier plan.

• Opt-Out Instructions (STOP): You can cancel the SMS service at any time. Reply STOP to cancel. After sending "STOP", you will receive one confirmation text verifying that you have been unsubscribed. No further messages will be sent unless you re-subscribe.

• Support Instructions (HELP): If you need assistance or have questions regarding text communications, reply HELP for help, or contact customer support directly at (843) 799-1313.

• Carrier Disclaimer: Wireless carriers (e.g., AT&T, T-Mobile, Verizon, etc.) are not liable for any delayed or undelivered messages.

• Privacy: Your mobile information and opt-in consent will never be sold, rented, or shared with third parties for marketing purposes. For complete details, see our Privacy Policy at https://www.healthcarolinas.com/privacy.

   

3. User Conduct and Responsibilities

When using this website or requesting assistance from Health Carolinas, you agree to:

 

• Provide true, accurate, current, and complete personal and contact information.

• Use the site strictly for lawful purposes and in accordance with all applicable state and federal laws.

• Avoid submitting false or fraudulent inquiries, impersonating any person or entity, or misrepresenting your eligibility for health insurance programs.

• Refrain from attempting to disrupt, impair, or unauthorizedly access the infrastructure, systems, or security of our website.

   

4. Intellectual Property Rights

All content on this website—including but not limited to text, graphics, logos, images, software, trademarks, page layout, and design elements—is the proprietary property of Health Carolinas or its licensors and is protected by copyright, trademark, and intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from any website content without our express prior written permission.

 

5. Disclaimer of Warranties

This website and all content, materials, and services provided through it are offered on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied. To the fullest extent permissible by law, Health Carolinas disclaims all warranties, including but not limited to:

 

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

• Guarantees regarding the accuracy, completeness, timeliness, or reliability of any insurance information or quotes.

• Guarantees that the site will function uninterrupted, secure, error-free, or free from viruses or technical glitches.

   

6. Limitation of Liability

To the maximum extent permitted by applicable law, Health Carolinas, its officers, directors, employees, agents, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to:

 

• Your use of, or inability to use, this website or our services.

• Any decisions made, actions taken, or coverage selected based on information provided on the site or by our representatives.

• Any denial of coverage, policy cancellation, rate change, or delay by an insurance carrier.

• Any delayed or undelivered SMS or email communications.

   

In no event shall the total liability of Health Carolinas exceed $100.00 USD or the amount paid by you to Health Carolinas (if any) for accessing our services, whichever is less.

 

7. Third-Party Links & Services

Our website may provide hyperlinks to external websites owned or operated by third parties, including health insurance carriers, government benefit sites, or administrative partners. These links are provided solely for your convenience. Health Carolinas has no control over the content, security, or privacy policies of third-party sites and accepts no responsibility for them.

 

8. Indemnification

You agree to defend, indemnify, and hold harmless Health Carolinas, its affiliates, agents, officers, and employees from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or in connection with your breach of these Terms, your misuse of the site, or your violation of any third-party right or applicable regulation.

 

9. Governing Law and Severability

These Terms shall be governed by and construed in accordance with the laws of the State of South Carolina (or North Carolina, as applicable to Health Carolinas' primary licensing jurisdiction), without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts of competent jurisdiction located in South Carolina.

 

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

 

10. Modifications to Terms

Health Carolinas reserves the right to revise, update, or modify these Terms at any time without prior notice. Any changes will become effective immediately upon posting to this page with an updated "Last Updated" date. Continued use of the website or services following any updates constitutes your acceptance of the revised Terms.

 

11. Support Contact Information

If you have any questions, concerns, or requests regarding these Terms and Conditions or our mobile messaging program, please reach out to us:

 

• Business Identity: Health Carolinas LLC

• Website: www.healthcarolinas.com

• Phone Support: (843) 799-1313

• Email: info@healthcarolinas.com

• Mailing Address: 203 Kuker St. Florence, SC 29501