NP Health Solutions LLC – Terms & Conditions

Last Updated: January 2026

These Terms & Conditions ("Terms") govern your access to and use of all websites, forms, communications, insurance services, educational materials, and related offerings provided by NP Health Solutions LLC ("NP Health Solutions," "we," "our," or "us"), including but not limited to https://nphealthsolutions.net and any related landing pages, scheduling tools, communication systems, or client intake platforms (collectively, the "Services").

By accessing or using any part of the Services, you agree to these Terms and our Privacy Policy. If you do not agree, you must not access or use the Services.

Acceptance of Terms

THESE TERMS INCLUDE A MANDATORY ARBITRATION CLAUSE AND CLASS ACTION WAIVER. PLEASE REVIEW CAREFULLY.

These Terms constitute a legally binding agreement between you (whether personally or on behalf of an entity) and NP Health Solutions LLC. By accessing, browsing, submitting information to, or using any part of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy.

If you are using the Services on behalf of another individual or entity, you represent and warrant that you are authorized to act on their behalf.

1. General Information

NP Health Solutions LLC is a licensed health insurance agency that provides guidance and enrollment assistance for insurance products, including but not limited to:

Health insurance (Marketplace and private plans)
Life insurance
Medicare and senior-related insurance options
Coverage reviews and plan comparisons

All information provided through our Services is for educational and informational purposes only and does not constitute legal, financial, tax, or medical advice. Insurance coverage availability, pricing, and eligibility vary by carrier, location, income, and individual circumstances.

You must be at least 18 years of age to use the Services.

2. Client Information & Eligibility

You agree to provide accurate, current, and complete information when submitting forms or communicating with us.

You understand that:

Insurance recommendations rely on the accuracy of the information you provide
Submitting incorrect or incomplete information may affect eligibility or coverage outcomes
You are responsible for reviewing all policy documents before enrollment

NP Health Solutions LLC does not make decisions on behalf of insurance carriers and cannot guarantee approval, acceptance, pricing, or benefits.

3. Scope of Services

(a) Website & Educational Content

Public website content is provided "AS IS" and may be updated, modified, or removed at any time without notice.

(b) Insurance Guidance & Enrollment Assistance

We assist clients in understanding available insurance options and completing enrollment when applicable. Final policy issuance, coverage terms, pricing, and acceptance are determined solely by the insurance carrier.

NP Health Solutions LLC does not underwrite, insure, or administer insurance policies.

(c) Appointments, Reviews & Consultations

Appointments may be conducted by phone, video, or electronic communication. Missed appointments may require rescheduling.

Coverage reviews and consultations are provided at no cost unless otherwise stated.

4. SMS & MMS Messaging Terms

SMS Terms of Service

Last Updated: January 28, 2026
Program Name: NP Health Solutions LLC SMS Notifications

By providing your phone number and opting in through our website forms, you consent to receive SMS and MMS messages from NP Health Solutions LLC to keep you informed about business-related communications. This campaign sends Account, Order and Service messages from NP Health Solutions LLC related to my account, orders or services clients have requested or scheduled. These messages may include order confirmations, account notifications and order/service information to customers who explicitly opt in to receive these messages by filling out a web form on our website or calendar. Message frequency may vary and depends on the services the customer has requested. This campaign also sends occasional promotional messages from NP Health Solutions LLC related to marketing. These messages may include special offers, discounts and new product updates to customers who explicitly opted in to receive these messages by filling out a web form on our website or calendar. Message frequency is limited and promotional content is related to the services the customer has requested or shown interest in.

These messages may include, but are not limited to:

Responses to inquiries and consultation updates
Service-related notifications
Follow-up communications
Optional marketing or promotional messages (only if separately consented)

Cancellation

You can cancel the SMS service at any time by replying STOP to any message. Upon sending STOP, we will confirm your unsubscribe status via SMS. After confirmation, you will no longer receive SMS messages from us. To rejoin, you must opt in again through our website forms.

Support

If you experience issues with the messaging program, reply HELP for assistance or contact us directly at [email protected] or (772) 356-1996.

Important Information

Message frequency may vary based on your interaction with our Services.
Message and data rates may apply.
Carriers are not liable for delayed or undelivered messages.
For questions about your text or data plan, please contact your wireless provider.

Compliance

This messaging program complies with CTIA guidelines, carrier requirements, and applicable federal and state laws governing A2P messaging.

Privacy

All SMS opt-in data and consent records are maintained securely and will not be shared with third parties for marketing or promotional purposes.

No mobile information will be shared with affiliates or third parties for marketing purposes.

For additional details regarding data handling and privacy practices, please review our Privacy Policy at:
https://nphealthsolutions.net/privacy-policy

Prohibited Content

Our SMS messages will never contain:

Phishing, smishing, or social engineering attempts
Illegal content in violation of federal or state laws
SHAFT content (sex, hate, alcohol, firearms, tobacco) that does not meet applicable regulations

Recurring Messages Disclosure

By opting into our SMS messaging program, you authorize NP Health Solutions LLC to send recurring SMS/MMS messages to the mobile phone number you provide. Message frequency varies depending on your engagement and selected services.

You are not required to consent to receive SMS messages as a condition of purchasing any goods or services.

5. Acceptable Use

You agree not to use the Services to:

Violate any applicable law or regulation
Submit false or misleading information
Impersonate another individual or entity
Abuse or harass representatives or systems
Circumvent consent or compliance requirements

We reserve the right to restrict or terminate access for violations of these Terms.

6. Fees & Compensation

Most consultations and coverage reviews are offered at no direct cost. In some cases, NP Health Solutions LLC may receive commissions from insurance carriers when a policy is issued.

You are not charged additional fees by NP Health Solutions LLC unless explicitly disclosed in writing.

7. Disclaimers

Services are provided "AS IS" and "AS AVAILABLE." We do not guarantee:

Policy approval or acceptance
Specific coverage terms or pricing
Availability of any carrier or plan
Medical outcomes or financial savings

8. Limitation of Liability

To the maximum extent permitted by law, NP Health Solutions LLC shall not be liable for indirect, incidental, special, or consequential damages arising from your use of the Services.

Any claim must be brought within one (1) year of the event giving rise to the claim.

9. Indemnification

You agree to indemnify and hold harmless NP Health Solutions LLC from any claims, damages, or liabilities arising from your misuse of the Services or violation of these Terms.