Terms and Conditions of Service

Effective Date: September 8, 2026

These Terms of Service (“Terms”) govern your access to and use of the website operated by Curtis M Dempz / CMD-Health Advisors, including www.cmd-health.com and any related services, forms, communications, or resources made available through the website.

By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

1. Business Information

CMD-Health Advisors is operated by Curtis M Dempz.

Registered Address:
308 OPPITZ LN
LAKELAND, FL, 33803, US

Email: curtismdempz@cmdhealthadvisors.com
Phone: 813-743-8756

2. Website Use

This website is provided for informational purposes and to allow individuals and businesses to learn about health insurance and related coverage options, request information, communicate with an insurance professional, or schedule an appointment.

You agree to use this website only for lawful purposes and not to:

Interfere with or disrupt the operation or security of the website;
Attempt to gain unauthorized access to website systems or information;
Submit false, misleading, fraudulent, or unlawful information;
Use the website in a manner that violates applicable law or the rights of another person or organization.

We may restrict or terminate access to the website if we reasonably believe these Terms have been violated.

3. Insurance and Advisory Services

Information available through this website is intended for general informational purposes and does not constitute a guarantee of insurance eligibility, benefits, coverage, premium amounts, approval, or availability.

Insurance products, rates, eligibility requirements, underwriting decisions, benefits, exclusions, limitations, and availability are determined by the applicable insurance carrier, plan administrator, or other provider.

Any insurance coverage is subject to the actual policy, certificate, plan documents, carrier rules, and applicable law. If information on this website differs from the terms of an insurance policy or plan document, the policy or plan document controls.

Submitting a form or contacting CMD-Health Advisors does not create an insurance contract or guarantee coverage.

4. Quotes and Coverage Information

Any pricing, benefit information, examples, comparisons, or estimates provided through the website or by CMD-Health Advisors are subject to change and may depend on factors including eligibility, age, location, health information where permitted, household composition, carrier underwriting, plan selection, and other applicable factors.

A quote is not a guarantee of coverage or final premium.

5. SMS and Text Message Terms

If you voluntarily provide your mobile telephone number and affirmatively consent to receive text messages, you agree that Curtis M Dempz / CMD-Health Advisors may send you marketing and promotional SMS or MMS messages regarding insurance products, coverage options, quotes, appointments, follow-ups, and related services.

Message frequency varies. Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing any product or service.

You may opt out of text messages at any time by replying STOP. After submitting an opt-out request, you may receive a final message confirming your removal.

For assistance, reply HELP or contact us using the information provided on this website.

Mobile information will be handled in accordance with our Privacy Policy. We do not sell or share mobile phone numbers or SMS consent information with third parties for their own marketing purposes.

Wireless carriers are not liable for delayed or undelivered messages.

6. Email and Other Communications

If you provide your email address or other contact information, we may communicate with you regarding inquiries, requested information, appointments, insurance options, services, or other communications consistent with your selections and applicable law.

You may unsubscribe from marketing emails using any unsubscribe method provided in those communications.

7. Privacy

Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, disclose, and protect personal information.

The Privacy Policy is available at:

https://www.cmd-health.com/privacypolicy

8. Third-Party Services and Links

The website may contain links to third-party websites, scheduling platforms, insurance carriers, provider networks, payment processors, or other third-party services.

CMD-Health Advisors does not control these third-party services and is not responsible for their availability, content, security, privacy practices, terms, or actions.

Your use of a third-party service is governed by that third party's terms and policies.

9. Intellectual Property

Unless otherwise indicated, website content, including text, graphics, branding, logos, layouts, and other materials, is owned by or licensed to CMD-Health Advisors and is protected by applicable intellectual property laws.

You may view and use website content for personal and legitimate business purposes related to evaluating or obtaining our services. You may not reproduce, distribute, modify, sell, or commercially exploit website content without prior written permission.

10. Disclaimer of Warranties

The website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, CMD-Health Advisors disclaims warranties of any kind, whether express or implied, regarding the website, its availability, accuracy, completeness, reliability, or suitability for a particular purpose.

We do not guarantee that the website will operate without interruption or error or that all information will always be current.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Curtis M Dempz and CMD-Health Advisors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of, inability to use, or reliance upon this website.

Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

12. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Curtis M Dempz and CMD-Health Advisors from claims, damages, liabilities, costs, or expenses resulting from your unlawful misuse of the website or violation of these Terms.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

Before commencing formal legal proceedings, the parties agree to make a reasonable good-faith effort to resolve any dispute relating to the website or these Terms informally.

Unless otherwise required by applicable law, any legal proceeding that cannot be resolved informally shall be brought in a court of competent jurisdiction located in or serving Polk County, Florida.

Nothing in this section prevents either party from seeking relief in small claims court when eligible or pursuing any remedy that cannot legally be waived.

14. Changes to These Terms

We may update these Terms periodically to reflect changes to our services, business practices, technology, or legal requirements.

When these Terms are updated, the revised version will be posted on this page and the “Effective Date” will be updated.

Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

15. Mobile Messaging Terms and Conditions

Mobile Messaging Terms and Conditions

CURTIS M DEMPZ (“CURTIS M DEMPZ”, “we”, or “us”) operates a mobile messaging program (the “Program”) subject to these Mobile Messaging Terms and Conditions (the “Mobile Messaging Terms”). The Program and our collection and use of your personal information is also subject to our Privacy Policy https://www.cmd-health.com/privacypolicy. By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree to these Mobile Messaging Terms and our Privacy Policy.

1. Program Description: We may send promotional and transactional mobile messages in various formats through the Program. Promotional messages advertise and promote our products and services and may include [promotions, specials, other marketing offers, and abandoned checkout reminders]. Transactional messages relate to an existing or ongoing transaction and may include [order notifications and updates, appointment reminders, and other transaction-related information]. Mobile messages may be sent using an automated technology, including an autodialer, automated system, or automatic telephone dialing system. Message frequency will vary but will not exceed 5 messages in 1 day. You agree that we, may send you messages regarding the foregoing topics or any topic and that such messages and/or calls may be made or placed using different telephone numbers or short codes. We do not charge for mobile messages sent through the Program but you are responsible for any message and data rates imposed by your mobile provider, as standard data and message rates may apply for SMS and MMS alerts.

2. User Opt-In: By providing your mobile phone number to us, you are voluntarily opting in to the Program and you agree to receive recurring mobile messages from us at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal “Do Not Call” list. You agree that any mobile phone number you provide to us is a valid mobile phone number of which you are the owner or authorized user. If you change your mobile phone number or are no longer the owner or authorized user of the mobile phone number, you agree to promptly notify us at curtismdempz@cmdhealthadvisors.com. Your participation in the Program is not required to make any purchase from us and your participation in the Program is completely voluntary.

3. User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to optout of the Program and stop receiving mobile messages from us, or you no longer agree to these Mobile Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT, and/or UNSUBSCRIBE to any mobile message from us. You may continue to receive text messages for a short period while we process your request and you may receive a one-time opt-out confirmation message. You understand and agree that the foregoing is the only reasonable method of opting out. For support, reply HELP to any mobile message from us. Our mobile messaging platform may not recognize requests that modify the foregoing commands, and you agree that we and our service providers will not be liable for failing to honor requests that do not comply with the requirements in these Mobile Messaging Terms. We may also change the telephone number or short code we use to operate the Program and we will notify you of any such change. You acknowledge that any requests sent to a telephone number or short code that has been changed may not be received by us and we will not be responsible for failing to honor a request sent to a telephone number or short code that has been changed.

4. Disclaimer of Warranty and Liability: The Program is offered on an “as-is” basis and may not be available in all areas, at all times, or on all mobile providers. You agree that neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message or information sent through the Program.

5. Modifications: We may modify or cancel the Program or any of its features at any time, with or without notice. To the extent permitted by applicable law, we may also modify these Mobile Messaging Terms at any time. Any such modification will take effect when it is posted to our website. You agree to review these Mobile Messaging Terms periodically to ensure that you are aware of any modifications. Your continued participation in the Program will constitute your acceptance of those modifications.

15. Contact Us

Questions regarding these Terms and Conditions may be directed to:

Curtis M Dempz / CMD-Health Advisors
308 OPPITZ LN
LAKELAND, FL, 33803, US

By Email: curtismdempz@cmdhealthadvisors.com
Phone: +18137438756