Terms and Conditions

Ownership

The Website, including its software, content, text, graphics, designs, logos, and other materials, is owned by Reliable Health Partners, LLC or its respective licensors and is protected by applicable intellectual property laws.

All rights not expressly granted are reserved.

Authorized Use

You may access and use the Website for lawful personal and informational purposes.

You may make one copy of Website content solely for personal, informational, and non-commercial purposes, provided that:

• The copy includes the notice "© 2026 Reliable Health Partners, LLC. All rights reserved."
• No modifications are made to the content.
• The content is not distributed publicly or posted online without permission.

Educational institutions may use Website content for classroom purposes where permitted by law.

Any other use of Website content requires prior written permission from Reliable Health Partners.

Restrictions

You may not:

• Use the Website for unlawful purposes.
• Damage, disable, overburden, or interfere with the Website or related systems.
• Attempt to gain unauthorized access to networks, systems, accounts, or data.
• Copy, reproduce, distribute, modify, publish, transmit, or create derivative works from Website content without authorization.
• Use the Website to distribute spam or unsolicited communications.
• Use automated systems to access or scrape the Website in a manner that interferes with its operation.
• Upload or transmit malicious code or other harmful material.
• Violate applicable laws or regulations.

Reliable Health Partners reserves the right to restrict or terminate access to the Website where it reasonably believes that these Terms or applicable law have been violated.

Trademarks and Copyrights

Reliable Health Partners and its logos, names, trademarks, service marks, and other branding are the property of Reliable Health Partners or their respective owners.

Unauthorized use of trademarks, logos, or copyrighted materials is prohibited.

Copyright Notice: © 2026 Reliable Health Partners, LLC. All rights reserved.

Unsolicited Submissions

Reliable Health Partners does not accept unsolicited ideas, proposals, materials, or other submissions.

If you nevertheless submit unsolicited materials, you acknowledge that, to the extent permitted by law, such materials may be treated as non-confidential and may be used by Reliable Health Partners without compensation or obligation to you.

Third-Party Links

The Website may contain links to third-party websites, services, or resources.

These links are provided for convenience only. Reliable Health Partners does not necessarily endorse and is not responsible for the content, availability, security, privacy practices, or services of third-party websites.

Your use of third-party websites is subject to their own terms and policies.

Website Information

The information provided on the Website is intended for general informational purposes.

While we make reasonable efforts to keep information accurate and current, we do not guarantee that all Website content is complete, accurate, current, or error-free.

Insurance plans, benefits, eligibility requirements, pricing, availability, and other information may change and may vary based on individual circumstances, location, applicable law, carrier requirements, and other factors.

You should verify applicable plan and coverage information before making decisions regarding insurance or healthcare services.

SMS/Text Messaging Terms

8.1 Messaging Program

Reliable Health Partners may offer a text messaging program through which individuals who provide appropriate consent may receive SMS/text messages relating to their inquiries, insurance plans, products, services, healthcare-related information, appointments, updates, or other communications associated with their interaction with Reliable Health Partners.

The specific messages you receive depend on the messaging program and the consent you provide.

8.2 Consent to Receive Messages

By selecting the SMS consent checkbox on an applicable Reliable Health Partners form, you affirmatively consent to receive text messages from Reliable Health Partners at the mobile number you provide.

SMS consent is separate from acceptance of these Terms and any other required agreement.

SMS consent is optional and is not required to submit a website form or obtain services from Reliable Health Partners.

You may withdraw your SMS consent at any time by following the opt-out instructions below.

8.3 Message Frequency

Message frequency varies based on your interactions with Reliable Health Partners and the messaging program to which you have subscribed.

8.4 Message and Data Rates

Message and data rates may apply.

Your mobile carrier’s standard messaging and data rates may apply to messages you send or receive.

8.5 How to Opt Out

You may opt out of SMS messages at any time by replying STOP to any message from Reliable Health Partners.

After you send STOP, you may receive a confirmation message acknowledging your request to unsubscribe. You will no longer receive messages through the applicable messaging program unless you subsequently provide new consent.

8.6 How to Get Help

For help with SMS messages, reply HELP to any message or contact Reliable Health Partners at:

Email: communications@reliablehealthpartners.com Phone: 888-864-1880

8.7 Carrier Disclaimer

Carriers are not liable for any delayed or undelivered messages.

Message delivery may be affected by factors outside Reliable Health Partners’ control, including network availability, carrier limitations, device settings, and other technical conditions.

8.8 SMS Consent and Mobile Information

Reliable Health Partners does not sell, rent, or share mobile telephone numbers, SMS opt-in information, or messaging consent data with third parties or affiliates for their own marketing or promotional purposes.

SMS consent is specific to Reliable Health Partners and the applicable messaging program and does not constitute consent to receive messages from unrelated third parties.

For additional information about how personal information and mobile information are handled, please review our Privacy Policy.

Health Insurance and Marketplace Disclaimer

Reliable Health Partners operates this Website independently and is not the Health Insurance Marketplace.

The Website may provide information regarding health insurance plans, products, enrollment, eligibility, and healthcare-related matters. Such information is provided for general informational purposes and may not represent the complete terms, conditions, limitations, exclusions, or availability of any particular insurance plan.

Nothing on the Website should be interpreted as a guarantee of coverage, eligibility, enrollment, benefits, or insurance availability.

For comprehensive information regarding federal Marketplace services, visit HealthCare.gov.

The Website is intended to comply with applicable federal requirements, including applicable provisions of 45 CFR §§ 155.220 and 155.260.

Disclaimer of Warranties

The Website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Reliable Health Partners disclaims all warranties, express or implied, relating to the Website or its content, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, and availability.

We do not warrant that the Website will operate without interruption, error, or security vulnerabilities.

Limitation of Liability

To the fullest extent permitted by applicable law, Reliable Health Partners and its officers, directors, employees, agents, affiliates, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to your use of, or inability to use, the Website or its content.

This limitation applies regardless of the legal theory on which a claim is based and to the extent permitted by applicable law.

Copyright Infringement

If you believe that material on the Website infringes your copyright, please contact us at:

communications@reliablehealthpartners.com

Please include sufficient information to allow us to identify the allegedly infringing material and understand the basis of your claim.

Changes to the Website and These Terms

Reliable Health Partners may modify, suspend, or discontinue any part of the Website at any time.

We may also update these Terms from time to time. Changes become effective when posted to the Website unless otherwise stated.

Your continued use of the Website after updated Terms are posted constitutes your acceptance of the updated Terms to the extent permitted by applicable law.

Changes to the Website and These Terms

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be interpreted to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, together with the Privacy Policy and any other terms expressly incorporated by reference, constitute the agreement between you and Reliable Health Partners concerning your use of the Website, except where a separate written agreement applies.

Entire Agreement

These Terms are governed by the laws of the State of New Mexico, United States, without regard to conflict-of-law principles.

To the extent permitted by law, disputes relating to these Terms or your use of the Website shall be resolved in the state or federal courts located in Bernalillo County, New Mexico.