Terms of service :Terms of Service
Welcome to Inverrary Health & Tax Consulting (“Company,” “we,” “our,” or “us”). By accessing our website, using our services, or opting into SMS communications, you agree to the following Terms of Service.
1. Services Provided
Inverrary Health & Tax Consulting provides:
Health insurance enrollment and consulting services
Medicare plan assistance
Marketplace insurance guidance
Tax preparation and consulting services
Financial and insurance-related advisory services
All services are provided in accordance with applicable federal and state regulations.
2. Eligibility (18+ Requirement)
Our services and SMS programs are intended for individuals 18 years of age or older.
By using our website or opting into SMS communications, you represent and warrant that:
You are at least 18 years old
You are legally authorized to enter into binding agreements
We do not knowingly collect personal information from individuals under 18 years of age.
3. Use of Website
By using our website, you agree:
To provide accurate and truthful information
Not to misuse, disrupt, or attempt unauthorized access to our systems
Not to use the website for unlawful purposes
We reserve the right to refuse service if misuse is detected.
4. SMS Messaging Terms
If you opt in to receive SMS messages from Inverrary Health & Tax Consulting:
You may receive messages regarding appointments, policy updates, enrollment reminders, tax preparation updates, and promotional offers.
Message frequency varies.
Message and data rates may apply.
You may opt out at any time by replying “STOP.”
You may request assistance by replying “HELP.”
Consent to receive SMS messages is not a condition of purchase.
We do not sell, rent, or share your mobile number with third parties for marketing purposes.
5. Carrier Liability Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
Inverrary Health & Tax Consulting is not responsible for:
Message delivery failures
Carrier network issues
Mobile device incompatibility
Service interruptions caused by mobile carriers
Message delivery is subject to effective transmission by your mobile carrier.
6. Appointment & Service Communications
By providing your contact information, you consent to receive:
Phone calls
Emails
Text messages
Related to your services, appointments, and policy or tax matters.
7. Payments & Refunds
All fees for tax preparation or consulting services will be disclosed prior to service completion. Refund policies, if applicable, will be communicated in writing before engagement.
Insurance premiums are determined by the carrier and are subject to carrier terms and federal/state regulations.
8. No Guarantee of Specific Outcomes
We strive to provide accurate guidance and professional service; however:
We do not guarantee specific tax refund amounts.
We do not guarantee insurance approval or specific plan eligibility.
Coverage decisions are determined by insurance carriers.
Tax determinations are made by the IRS and relevant authorities.
9. Limitation of Liability
To the fullest extent permitted by law, Inverrary Health & Tax Consulting shall not be liable for:
Indirect, incidental, or consequential damages
Carrier decisions regarding insurance coverage
IRS determinations regarding tax filings
Losses resulting from inaccurate information provided by clients
Our total liability shall not exceed the amount paid for services rendered.
10. Data Privacy
Your personal information is handled in accordance with our Privacy Policy.
Please review it here:
www.inverraryhealth.com/privacy-policy
11. Third-Party Services
We may utilize third-party platforms for:
Insurance enrollment systems
Tax processing software
SMS communications
Appointment scheduling
We are not responsible for service interruptions caused by third-party providers.
12. Modifications to Terms
We reserve the right to update these Terms at any time. Updates will be posted on this page with a revised effective date.
13. Governing Law
These Terms shall be governed by the laws of the State of Florida.
14. Contact Information
If you have questions regarding these Terms, contact:
Inverrary Health & Tax Consulting
786-538-5188
