Terms and Conditions

Cardinal Senior Benefits LLC
Effective Date: January 1, 2026

Terms & Conditions

SMS Messaging Terms & Compliance

Program Description

Cardinal Senior Benefits LLC offers an SMS messaging program for individuals who submit an inquiry, quote request, appointment request, or other request through our website at https://cardinalsb.com or through our website forms and explicitly opt in to receive text messages.

Our SMS program may include informational/customer-care messages and promotional messages, depending on the consent option you selected.

Informational and customer-care messages may include responses to inquiries, quote follow-up, appointment coordination, scheduling confirmations, appointment reminders, rescheduling updates, customer support communications, and service-related updates.

Promotional messages may include special offers, discounts, event promotions, service announcements, and other marketing communications related to Cardinal Senior Benefits LLC’s services.

Opt-in is collected through website forms with dedicated SMS consent checkbox options. SMS consent is optional and is not required as a condition of purchase or service. You will only receive the type of SMS messages you specifically consented to receive.

Opt-In & Consent

By selecting the SMS consent checkbox on our website form and submitting the form, you agree to receive text messages from Cardinal Senior Benefits LLC based on the consent option selected.

If you consent to informational/customer-care SMS messages, you may receive messages related to your inquiry, appointment, quote request, customer support request, or service-related communications.

If you consent to promotional SMS messages, you may receive marketing or promotional messages, including special offers, discounts, event promotions, and service announcements.

Consent to receive promotional text messages is not required to purchase any goods or services from Cardinal Senior Benefits LLC.

Cancellation Instructions

You can cancel SMS communications at any time. To stop receiving text messages, reply STOP to any message you receive from us.

After replying STOP, we may send one final confirmation message confirming that you have been unsubscribed. After this confirmation, you will no longer receive SMS messages from us unless you opt in again.

To rejoin, submit the website form again and select the appropriate SMS consent option.

Support Information

If you need help with the SMS messaging program, reply HELP to any message you receive from us.

You may also contact Cardinal Senior Benefits LLC directly:

Email: agency@cardinalsb.com
Phone: 855-933-0835
Website: https://cardinalsb.com

Customer support is available during regular business hours.

Carrier Liability

Mobile carriers are not liable for delayed or undelivered messages.

Message & Data Rates

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

Message frequency varies based on your interactions with Cardinal Senior Benefits LLC, your service requests, your appointment schedule, and the type of messages you consented to receive.

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

Supported Carriers

Our SMS program is intended to work with major U.S. wireless carriers and participating regional carriers. Message delivery may depend on your mobile carrier, network availability, and device settings.

Age Restriction

You must be at least 18 years old to participate in our SMS program.

For information about how Cardinal Senior Benefits LLC collects, uses, and protects your information, please review our Privacy Policy at:

https://cardinalsb.com/privacy-policy/

Cardinal Senior Benefits LLC does not share mobile information, SMS opt-in data, or text messaging consent records with third parties or affiliates for marketing or promotional purposes.

We comply with applicable laws and regulations related to SMS communications, including applicable TCPA and carrier messaging requirements.

General Terms

This website, located at https://cardinalsb.com, is owned and operated by Cardinal Senior Benefits LLC (“Company,” “we,” “us,” or “our”).

By accessing or using this website, you agree to be bound by these Terms & Conditions, our Privacy Policy, and any additional terms that may apply to specific services, features, products, forms, or areas of the website.

If you do not agree with these Terms & Conditions, please do not use this website.

Accessing the website in any manner, whether manually or through automated means, constitutes use of the website and acceptance of these Terms & Conditions.

We reserve the right to update or modify these Terms & Conditions at any time. When changes are made, the updated version will be posted on this website with the revised effective date. Your continued use of the website after changes are posted means you accept the updated Terms & Conditions.

Intellectual Property Rights

Our Limited License to You

This website and all materials available on the website, including text, graphics, logos, images, videos, page layouts, design elements, service descriptions, and other content, are owned by or licensed to Cardinal Senior Benefits LLC and are protected by copyright, trademark, and other intellectual property laws.

The website is provided for your personal, non-commercial use only.

You may not use the website or any materials available on the website in a way that infringes on our rights or has not been authorized by us.

Unless expressly authorized by Cardinal Senior Benefits LLC, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works from, exploit, or distribute any material from this website in any manner or medium.

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

Your License to Us

If you submit or provide content to Cardinal Senior Benefits LLC through the website, forms, email, text message, social media, or other communication channels, including comments, testimonials, feedback, photos, videos, or other materials, you represent that you own the content or have the necessary rights and permissions to submit it.

By submitting such content, you grant Cardinal Senior Benefits LLC a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, publish, display, and distribute the content as reasonably necessary to operate, promote, or improve our services, subject to applicable privacy and advertising laws.

This section does not give Cardinal Senior Benefits LLC permission to share SMS opt-in data or text messaging consent records for third-party marketing or promotional purposes.

Disclaimers

The information provided on this website is for general informational purposes only and should not be considered legal, financial, insurance, or professional advice. Product availability, eligibility, benefits, pricing, and coverage options may vary based on individual circumstances and applicable requirements.

We make reasonable efforts to keep website information accurate and current, but we do not guarantee that all information on the website is complete, accurate, or up to date.

The website and its content are provided “as is” and “as available,” without warranties of any kind, either express or implied. To the fullest extent permitted by law, Cardinal Senior Benefits LLC disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Third-Party Links

This website may contain links to third-party websites or services. These links are provided for convenience only. Cardinal Senior Benefits LLC does not control and is not responsible for third-party websites, content, products, services, privacy practices, or terms.

The inclusion of a third-party link does not imply endorsement, sponsorship, or approval by Cardinal Senior Benefits LLC.

If you access third-party websites through links on our website, you do so at your own risk and should review the terms and privacy policies of those third-party websites.

Online Commerce and Transactions

Certain sections of the website may allow users to request quotes, submit inquiries, schedule appointments, or access products or services. If payments, purchases, or third-party transactions are made available through the website or linked services, additional terms may apply.

Cardinal Senior Benefits LLC is not responsible for the quality, accuracy, timeliness, reliability, availability, or performance of products or services offered by third-party vendors or third-party websites.

Your participation in any transaction or communication with a third-party provider is solely between you and that third party, unless otherwise stated in writing by Cardinal Senior Benefits LLC.

Registration, Accounts, and Passwords

Certain areas of the website may require registration, login credentials, or account access. If you create an account or submit registration information, you agree to provide accurate, current, and complete information.

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

If you suspect unauthorized access to your account, please contact us immediately at agency@cardinalsb.com.

Cardinal Senior Benefits LLC is not responsible for any loss or damage arising from your failure to protect your login credentials.

User Conduct

You agree not to use this website for any unlawful, harmful, fraudulent, abusive, or unauthorized purpose.

You may not attempt to interfere with the operation, security, or functionality of the website, including by introducing malware, attempting unauthorized access, scraping content, or disrupting website services.

You also agree not to submit false, misleading, or unauthorized information through our website forms or communication channels.

Limitation of Liability

To the fullest extent permitted by law, Cardinal Senior Benefits LLC and its owners, officers, employees, contractors, agents, affiliates, and service providers will not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to your use of the website, inability to use the website, reliance on website content, or interaction with third-party websites or services.

This limitation applies even if Cardinal Senior Benefits LLC has been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless Cardinal Senior Benefits LLC, its owners, officers, employees, contractors, agents, affiliates, and service providers from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys’ fees, arising out of or related to:

• Your use of the website
• Your violation of these Terms & Conditions
• Your violation of any law or third-party rights
• Any information or content you submit through the website or communication channels

Termination

We reserve the right to terminate, restrict, or suspend your access to the website, without notice, if we determine that you have violated these Terms & Conditions or engaged in conduct that we believe is unlawful, harmful, inappropriate, or disruptive.

Upon termination, you must stop using the website and any content obtained from it.

Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the state in which Cardinal Senior Benefits LLC is organized or principally operates, without regard to conflict-of-law principles.

Any dispute arising out of or related to these Terms & Conditions, the website, or our services shall be resolved in the appropriate jurisdiction unless otherwise required by applicable law.

Changes to These Terms & Conditions

We may update these Terms & Conditions from time to time. The latest version will be posted on our website with the effective date listed above.

Your continued use of the website after updated Terms & Conditions are posted means you accept the revised terms.

If you have questions about these Terms & Conditions, please contact us at:

Cardinal Senior Benefits LLC
Phone: 855-933-0835
Email: agency@cardinalsb.com
Website: https://cardinalsb.com

By using our website and services, you acknowledge and agree to these Terms & Conditions.