Terms of Service

Shaddai Management LLC
Effective Date: June 1, 2026

SMS Messaging Terms & Compliance

1. Program Description

This messaging program sends appointment confirmation and reminder messages to customers who have booked an appointment with Shaddai Management LLC through our website at www.merazhealthinsuranceagency.com or via our scheduling forms and have explicitly opted in to receive SMS notifications.

Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Messages include scheduling confirmations, appointment reminders, rescheduling updates, and customer support communications.

2. Cancellation Instructions

You can cancel the SMS service at any time. Simply text “STOP” to the same number that sent you messages.

Upon sending “STOP,” we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us.

To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

3. Support Information

If you experience issues with the messaging program, reply with the keyword “HELP” for assistance or contact us directly:

Email: mis@merazinsurance.com
Phone: 800-388-7078

4. Carrier Liability

Carriers are not liable for delayed or undelivered messages.

5. Message & Data Rates

Message and data rates may apply for messages sent to you from us and to us from you.

Message frequency varies based on your service usage and appointment schedule.

For questions regarding your text or data plan, please contact your wireless provider.

6. Supported Carriers

Our SMS program works with all major U.S. wireless carriers, including:

• AT&T
• T-Mobile
• Verizon
• Sprint
• Most regional carriers

7. Age Restriction

You must be 18 years of age or older to participate in our SMS program.

8. Privacy Policy

For privacy-related inquiries, please review our Privacy Policy at:

https://merazhealthinsuranceagency.com

We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines regarding SMS communications.

General Terms

This website (the “Site”) is owned and operated by Shaddai Management LLC (“Company,” “we,” or “us”).

By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site.

Accessing the Site in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to modify these Terms of Service or impose new conditions on the use of the Site at any time. Any updates will be posted on this website. Continued use of the Site after such changes constitutes acceptance of the revised Terms.

Intellectual Property Rights

Our Limited License to You

This Site and all materials available on the Site are the property of Shaddai Management LLC and/or its affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws.

The Site is provided solely for your personal, non-commercial use.

You may not use the Site or its materials in any manner that infringes upon our rights or that has not been expressly authorized by us.

Unless explicitly authorized, you may not:

• Modify content
• Copy content
• Reproduce content
• Republish content
• Upload content elsewhere
• Transmit content
• Translate content
• Sell content
• Create derivative works
• Exploit content commercially
• Distribute content in any medium

You may download or print one copy of individual pages for your personal, non-commercial use provided all copyright and proprietary notices remain intact.

Your License to Us

By posting or submitting any material, including comments, blog entries, social media posts, photographs, videos, or other content, you represent that you own the material or have obtained all necessary permissions.

You grant Shaddai Management LLC a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, sell, exploit, create derivative works from, distribute, and publicly display such material.

Disclaimers

Throughout the Site, we may provide links to websites maintained by third parties.

Our inclusion of such links does not imply endorsement or sponsorship of those sites or any information, products, or services offered through them.

The information, products, and services offered on or through this Site are provided “as is” without warranties of any kind, either express or implied.

To the fullest extent permitted by law, we disclaim all warranties, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement

You agree to indemnify and hold harmless Shaddai Management LLC, its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, costs, and expenses arising from your violation of these Terms of Service.

Online Commerce

Certain sections of the Site may allow you to purchase products or services from third-party vendors.

We are not responsible for the quality, accuracy, reliability, timeliness, or performance of products or services provided by third parties.

If you make a purchase through a third-party vendor linked from our Site, information obtained during your visit, including payment information, may be collected by both the merchant and us.

Your dealings with third-party vendors are solely between you and the third party.

Shaddai Management LLC shall not be responsible for any loss or damage arising from such transactions.

Registration & Passwords

To access certain features of the Site, you may be required to create an account.

You agree to provide accurate, current, and complete information during registration.

You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.

If you suspect unauthorized use of your account, notify us immediately at:

mis@merazinsurance.com

We are not liable for any loss or damage resulting from your failure to safeguard your account credentials.

Termination

We reserve the right to terminate or suspend your access to the Site without notice if we determine that you have violated these Terms of Service or engaged in conduct we deem unlawful, inappropriate, or harmful.

Upon termination, you must immediately cease all use of the Site and any content obtained from it.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the state in which Shaddai Management LLC operates.

Any dispute arising under these Terms shall be resolved exclusively through binding arbitration within that jurisdiction.

Changes to Terms of Service

We may update these Terms of Service from time to time.

The most current version will always be available on our website and will include the effective date.

Contact Information

For questions regarding these Terms of Service, please contact us:

Shaddai Management LLC
Phone: 800-388-7078
Email: mis@merazinsurance.com
Website: https://merazhealthinsuranceagency.com

By using our website and services, you consent to these Terms of Service.