Terms and conditions

Last updated: June 2025

Welcome to Vallario LLC (“Vallario,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website (https://joevallario.com), services, and any communications (including SMS/text messaging) provided by Vallario Health Benefits (“Services”). By visiting our website, submitting requests, or opting in to receive text messages, you agree to these Terms. If you do not agree with any part of these Terms, please do not use our Services.

1. Who We Are

Legal Entity: Vallario LLC (DBA Vallario Health Benefits)
Physical Address: 401 E Jackson St., Tampa, FL 33602
Email: agent@joevallario.com
Phone: +1 (301) 310-6551

2. Services Overview

Vallario offers insurance‐related services, including:

Providing quotes for health insurance, Medicare, and related plans.
Sending policy updates, renewal reminders, and other service‐related communications via SMS, email, or phone.
Offering general guidance on selecting and managing insurance coverage.

You may access certain features on our website, request a quote, chat with an agent, or opt in to receive text messages (“SMS”) for updates, promotions, and policy information.

3. Eligibility & User Responsibility

Age: You must be at least 18 years old to use our Services.
Accurate Information: When providing personal or contact information (name, email, phone number, address), you represent that it is accurate, current, and complete.
Compliance: You agree to comply with all applicable federal, state, and local laws when using our Services.

4. SMS/Text Messaging Policy

Opt-In: By ticking the opt-in checkbox on our website’s form (or providing verbal consent, as described in our Opt-In Disclosure), you expressly consent to receive SMS messages from Vallario Health Benefits for quotes, policy updates, and related insurance communications.
Message Frequency: Message frequency may vary. We will send texts only when necessary (e.g., to deliver a requested quote, confirm policy details, or send important updates).
Message & Data Rates: Standard message and data rates may apply based on your wireless plan. We are not responsible for any carrier fees.
Opt-Out (STOP): To stop receiving SMS messages from Vallario, reply STOP to any text you receive. After you opt out, we may send you a final confirmation message to confirm your request.
Help: For assistance, reply HELP to any SMS you receive or call +1 (301) 310-6551.
No Condition of Purchase: Consent to receive SMS messages is not a condition for purchasing any insurance product or service.
Compliance: We follow all U.S. 10DLC requirements. You may receive up to ___ messages per month, depending on your account settings and the campaign’s scope.

5. Privacy Policy & Data Use

Your privacy is important. Please review our full Privacy Policy, which is incorporated into these Terms by reference. A summary of key points:

We collect personal information (name, email, phone, address) to provide insurance quotes and Services.
We also collect non-personal data (browser type, usage data) for analytics.
We do not share mobile opt-in data with third parties for marketing purposes.
We may share your information with insurance carriers, regulatory bodies (if required), or as otherwise described in our Privacy Policy.
By using our Services, you expressly consent to our collection, use, and sharing of your personal information as described.

6. Use-Case & Content Restrictions

Permitted Uses: You may use our website, request quotes, and receive SMS messages for insurance‐related purposes (e.g., quotes, policy updates, reminders).
Prohibited Content/Activities: You agree not to use our Services for:
- Spam, unsolicited marketing, or high-risk financial solicitations (cash-for-homes, loan schemes).
- Affiliate lead generation or any activity that violates the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, or similar laws.
- Any content that is illegal, defamatory, pornographic, or harassing.
- Attempting to reverse-engineer, scrape, or otherwise misuse our website or data.

7. Intellectual Property

All website content, logos, graphics, and text (“Content”) are owned or licensed by Vallario LLC and are protected by U.S. and international copyright, trademark, and other laws.
You may view and share Content for personal, noncommercial use only. Any other use (reproduction, distribution, modification) without our written permission is prohibited.

8. Disclaimer of Warranties

“As-Is” Basis: Our website and Services are provided “as is” and “as available.” Vallario disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy of content, and non-infringement.
No Guarantee: We do not guarantee that any insurance quote is available or that coverage will be issued. All insurance quotes are subject to carrier underwriting and approval.
Third-Party Links: Our site may link to third-party websites (insurance carriers, government sites). Vallario does not endorse or guarantee those links. Use them at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Vallario LLC (and its officers, directors, employees, agents, suppliers) will not be liable for any direct, indirect, incidental, special, or consequential damages arising out of your use of our Services, even if advised of the possibility of such damages. Your sole remedy for dissatisfaction is to stop using our Services.

10. Indemnification

You agree to indemnify, defend, and hold harmless Vallario LLC and its representatives from and against any claims, damages, losses, liabilities, costs, or expenses (including attorney’s fees) arising from or related to:

Your breach of these Terms.
Your violation of any law or third-party rights.
Your use of our Services or your content (including SMS messages).

11. Termination

We may suspend or terminate your access to our website or SMS Services at any time, for any reason, including if we believe you have violated these Terms.
You may opt out of SMS messaging at any time by replying STOP. You may terminate other Services by emailing agent@joevallario.com.
Upon termination, any provisions that by their nature survive (e.g., disclaimers, indemnification, limitation of liability) will remain in effect.

12. Changes to Terms

We may update these Terms at any time. When we do, we’ll post the revised Terms on https://joevallario.com/terms-and-conditions with a new “Last updated” date. Your continued use of our Services after changes indicates your acceptance of the revised Terms. Please check this page periodically.

13. Governing Law & Dispute Resolution

These Terms are governed by Florida law (without regard to conflict of law principles).
Any dispute arising under these Terms will be resolved exclusively in state or federal courts located in Hillsborough County, Florida.

Terms and conditions

Last updated: June 2025

1. Who We Are

Legal Entity: Vallario LLC (DBA Vallario Health Benefits)

Physical Address: 401 E Jackson St., Tampa, FL 33602

Email: agent@joevallario.com

Phone: +1 (301) 310-6551

2. Services Overview

Vallario offers insurance‐related services, including:

Providing quotes for health insurance, Medicare, and related plans.

Sending policy updates, renewal reminders, and other service‐related communications via SMS, email, or phone.

Offering general guidance on selecting and managing insurance coverage.

You may access certain features on our website, request a quote, chat with an agent, or opt in to receive text messages (“SMS”) for updates, promotions, and policy information.

3. Eligibility & User Responsibility

Age: You must be at least 18 years old to use our Services.

Accurate Information: When providing personal or contact information (name, email, phone number, address), you represent that it is accurate, current, and complete.

Compliance: You agree to comply with all applicable federal, state, and local laws when using our Services.

4. SMS/Text Messaging Policy

Opt-In: By ticking the opt-in checkbox on our website’s form (or providing verbal consent, as described in our Opt-In Disclosure), you expressly consent to receive SMS messages from Vallario Health Benefits for quotes, policy updates, and related insurance communications.

Message Frequency: Message frequency may vary. We will send texts only when necessary (e.g., to deliver a requested quote, confirm policy details, or send important updates).

Message & Data Rates: Standard message and data rates may apply based on your wireless plan. We are not responsible for any carrier fees.

Opt-Out (STOP): To stop receiving SMS messages from Vallario, reply STOP to any text you receive. After you opt out, we may send you a final confirmation message to confirm your request.

Help: For assistance, reply HELP to any SMS you receive or call +1 (301) 310-6551.

No Condition of Purchase: Consent to receive SMS messages is not a condition for purchasing any insurance product or service.

Compliance: We follow all U.S. 10DLC requirements. You may receive up to ___ messages per month, depending on your account settings and the campaign’s scope.

5. Privacy Policy & Data Use

Your privacy is important. Please review our full Privacy Policy, which is incorporated into these Terms by reference. A summary of key points:

We collect personal information (name, email, phone, address) to provide insurance quotes and Services.

We also collect non-personal data (browser type, usage data) for analytics.

We do not share mobile opt-in data with third parties for marketing purposes.

We may share your information with insurance carriers, regulatory bodies (if required), or as otherwise described in our Privacy Policy.

By using our Services, you expressly consent to our collection, use, and sharing of your personal information as described.

6. Use-Case & Content Restrictions

Permitted Uses: You may use our website, request quotes, and receive SMS messages for insurance‐related purposes (e.g., quotes, policy updates, reminders).

Prohibited Content/Activities: You agree not to use our Services for:

Spam, unsolicited marketing, or high-risk financial solicitations (cash-for-homes, loan schemes).

Affiliate lead generation or any activity that violates the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, or similar laws.

Any content that is illegal, defamatory, pornographic, or harassing.

Attempting to reverse-engineer, scrape, or otherwise misuse our website or data.

7. Intellectual Property

All website content, logos, graphics, and text (“Content”) are owned or licensed by Vallario LLC and are protected by U.S. and international copyright, trademark, and other laws.

You may view and share Content for personal, noncommercial use only. Any other use (reproduction, distribution, modification) without our written permission is prohibited.

8. Disclaimer of Warranties

“As-Is” Basis: Our website and Services are provided “as is” and “as available.” Vallario disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy of content, and non-infringement.

No Guarantee: We do not guarantee that any insurance quote is available or that coverage will be issued. All insurance quotes are subject to carrier underwriting and approval.

Third-Party Links: Our site may link to third-party websites (insurance carriers, government sites). Vallario does not endorse or guarantee those links. Use them at your own risk.

9. Limitation of Liability

10. Indemnification

You agree to indemnify, defend, and hold harmless Vallario LLC and its representatives from and against any claims, damages, losses, liabilities, costs, or expenses (including attorney’s fees) arising from or related to:

Your breach of these Terms.

Your violation of any law or third-party rights.

Your use of our Services or your content (including SMS messages).

11. Termination

We may suspend or terminate your access to our website or SMS Services at any time, for any reason, including if we believe you have violated these Terms.

You may opt out of SMS messaging at any time by replying STOP. You may terminate other Services by emailing agent@joevallario.com.

Upon termination, any provisions that by their nature survive (e.g., disclaimers, indemnification, limitation of liability) will remain in effect.

12. Changes to Terms

We may update these Terms at any time. When we do, we’ll post the revised Terms on https://joevallario.com/terms-and-conditions with a new “Last updated” date. Your continued use of our Services after changes indicates your acceptance of the revised Terms. Please check this page periodically.

13. Governing Law & Dispute Resolution

These Terms are governed by Florida law (without regard to conflict of law principles).

Any dispute arising under these Terms will be resolved exclusively in state or federal courts located in Hillsborough County, Florida.

14. Contact Us

If you have any questions about these Terms, SMS messaging, or anything else, please contact us:

Vallario LLC (dba Vallario Health Benefits)

401 E Jackson St.

Tampa, FL 33602

Email: agent@joevallario.com

Phone: +1 (301) 310-6551

Thank you for trusting Vallario Health Benefits. We look forward to helping you with your insurance needs.