Effective date: July 12, 2026
1. Acceptance of terms
These Terms and SMS Terms are an agreement between you and CDWJ Holdings LLC. By accessing this website, submitting a form, or participating in an SMS program, you agree to the applicable portions of these terms and acknowledge the Privacy Policy.
If you do not agree, do not use the website or participate in the messaging program.
2. Website purpose
This website provides general information and a way to request assistance concerning health coverage options. Website content is educational and informational. It is not an insurance policy, offer of coverage, guarantee of eligibility, legal advice, tax advice, medical advice, or a substitute for official plan documents.
CDWJ Holdings LLC is not a government agency or government website. Product availability, pricing, eligibility, benefits, exclusions, and effective dates depend on the applicable provider, carrier, plan documents, location, underwriting rules, enrollment requirements, and law.
3. Quote and contact requests
Submitting a website form requests contact and does not create coverage, bind an insurance policy, guarantee a quote, establish an advisory or fiduciary relationship, or obligate you to purchase anything.
You agree to provide accurate, current information and to avoid submitting information you are not authorized to provide. You are responsible for reviewing all official documents and confirming that any coverage or product meets your needs before enrollment or purchase.
4. SMS Terms
Program name: CDWJ Holdings LLC SMS Program
Support: Reply HELP or email Chriswilliamshealthhelp@gmail.com.
Opt out: Reply STOP at any time.
4.1 Optional consent
SMS consent is voluntary and is not a condition of purchasing a product, requesting a quote, or receiving assistance. The website provides separate optional checkboxes for informational or transactional messages and marketing messages. Each checkbox is unchecked by default.
4.2 Informational and transactional messages
If you select the informational SMS option, CDWJ Holdings LLC may send texts about your quote request, appointments, application or enrollment status, requested follow-up, and service-related updates.
4.3 Marketing messages
If you separately select the marketing SMS option, CDWJ Holdings LLC may send texts about coverage products, promotions, and follow-up opportunities. You may decline marketing texts while still submitting the form and requesting assistance.
4.4 Frequency and charges
Message frequency may vary based on your request, interactions, and selected message category. Message and data rates may apply according to your mobile service plan. CDWJ Holdings LLC does not charge a separate fee for receiving its text messages.
4.5 Opting out
Reply STOP to any message to unsubscribe from that SMS program. You may receive one final message confirming the opt-out. After opting out, no further messages will be sent under that program unless you later provide new consent or initiate a new interaction that permits a response.
4.6 Help
Reply HELP for help or email Chriswilliamshealthhelp@gmail.com. A help response may identify CDWJ Holdings LLC, provide support information, and repeat opt-out instructions.
4.7 Supported carriers and delivery
Message delivery is subject to carrier availability and network conditions. Wireless carriers are not liable for delayed or undelivered messages. Not all devices, carriers, or locations may be supported.
4.8 Mobile privacy
Mobile information will not be sold or shared with third parties for promotional or marketing purposes. SMS opt-in data and consent will not be transferred to unrelated third parties or affiliates for their own marketing or promotional use. Limited service providers may process mobile information solely to deliver, route, support, secure, or maintain the messaging program, as explained in the Privacy Policy.
4.9 Re-enrollment
After opting out, you may re-enroll through a new affirmative opt-in on the website or by following another authorized opt-in process made available by CDWJ Holdings LLC. Where a keyword program is advertised, texting START may initiate or confirm enrollment and trigger a confirmation message.
5. Acceptable use
You may not:
- Use the website for unlawful, fraudulent, abusive, or misleading purposes.
- Attempt to interfere with website security, availability, forms, or communications systems.
- Submit malicious code, automated spam, false contact information, or another person's information without authorization.
- Copy, scrape, reproduce, or exploit website content except as permitted by law or written permission.
6. Third-party services and information
The website or communications may refer to carriers, providers, plans, or third-party websites. CDWJ Holdings LLC does not control third-party content, systems, availability, privacy practices, or final coverage decisions. References do not necessarily constitute endorsement.
Your interactions with a third party may be governed by that party's terms, privacy policy, plan documents, and other agreements.
7. Intellectual property
The website design, text, graphics, branding, and other original content are owned by or licensed to CDWJ Holdings LLC and are protected by applicable intellectual property laws. You may view and print content for personal, noncommercial use but may not republish, distribute, modify, sell, or create derivative works without permission.
8. Disclaimers
The website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, CDWJ Holdings LLC disclaims warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, and uninterrupted operation.
No website statement supersedes official carrier, provider, policy, certificate, or plan documents. You are responsible for reviewing the governing documents and seeking appropriate professional advice.
9. Limitation of liability
To the fullest extent permitted by law, CDWJ Holdings LLC and its representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of the website, reliance on content, communications delays, third-party services, or inability to access services.
Some jurisdictions do not permit certain exclusions or limitations, so portions of this section may not apply to you. Nothing in these terms limits liability that cannot legally be limited.
10. Changes, suspension, and governing principles
We may update these terms or modify, suspend, or discontinue website features or messaging programs. Updates become effective when posted unless another date is stated. Continued use after an update constitutes acceptance of the revised terms.
These terms are governed by applicable United States law and the law of the state in which CDWJ Holdings LLC is organized, without regard to conflict-of-law principles. If a provision is unenforceable, the remaining provisions remain in effect.