Terms and Conditions

1. SMS Terms & Conditions

Mobile Opt in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.

• 1. SMS Consent Communication: The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
• 2. Types of SMS Communications: If you have consented to receive text messages from Dorraiz Insurance, you may receive messages related to the following: Customer care, Account Notifications, Fraud alerts. Example: "Hello, this is a friendly reminder of your upcoming appointment with Dr. [Name] at [Location] on [Date] at [Time]. You can reply STOP to opt out of SMS messaging from Dorraiz Insurance at any time."
• 3. Message Frequency: Message frequency may vary depending on the type of communication. For example, you may receive up to 2 SMS messages per week related to your appointments.
• 4. Potential Fees for SMS Messaging: Please note that standard message and data rates may apply, depending on your carrier's pricing plan. These fees may vary if the message is sent domestically or internationally.
• 5. Opt-In Method: You may opt in to receive SMS messages from Dorraiz Insurance in the following ways: By submitting an online form.
• 6. Opt-Out Method: You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
• 7. Help: If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at https://www.dorraizinsurance.com/contact. Additional Options: If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
• 8. Standard Messaging Disclosures: Message and data rates may apply. You can opt out at any time by texting "STOP." For assistance, text "HELP" or visit our Privacy Policy and Terms and Conditions pages. Message frequency may vary.

2. Introduction and Acceptance

Welcome to Dorraiz Insurance. These Terms and Conditions (“Terms”) govern the use of our insurance services and website. By using our services, you agree to these terms.

3. Description of Services

Dorraiz Insurance provides the following services:

• ACA (Obamacare) insurance consulting and advisory
• Medicare insurance services (Parts A, B, C and D)
• Life, dental and vision insurance
• Plan comparison and analysis
• Enrollment and renewal assistance
• Ongoing support and customer service
• Cost-optimisation and subsidy analysis

4. Eligibility and Licenses

Our services are available in the states where Daniel Orraiz holds active licenses—currently 20+ U.S. states.

5. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information during the quote process
• Notify changes that may affect your coverage
• Review all policy documents carefully before signing
• Pay premiums directly to the insurer as agreed
• Comply with all policy terms
• Maintain confidentiality of your account information

6. Liability Limitations

Dorraiz Insurance acts as an intermediary between you and insurance companies. Our responsibilities include:

• Providing accurate information about available plans
• Assisting with application and enrollment
• Offering support during the policy term
• Keeping your information confidential

7. Privacy and Confidentiality

We are committed to protecting your privacy according to our Privacy Policy:

• Numbers collected for SMS consent are not shared with third parties for marketing
• Your data is used solely to provide insurance services
• We maintain strict confidentiality standards
• We comply with all applicable data-protection regulations

8. Fees and Compensation

Our consulting services are generally free to consumers. We are compensated by insurers, which does not affect your premium.

9. Service Termination

Either party may terminate this relationship with written notice. Policies in force remain subject to their own terms.

10. Legal Compliance

Dorraiz Insurance operates in full compliance with:

• State insurance regulations
• Affordable Care Act (ACA)
• Medicare and Medicaid regulations
• Federal and state consumer-protection laws
• Professional licensing requirements

11. Modifications

We reserve the right to update these terms at any time. Changes take effect once posted on this page.

12. Contact Information

For questions about these Terms:

• Agent: Daniel Orraiz
• Email: info@dorraizinsurance.com
• Phone: (956) 302-1451 / (407) 785-9073