Privacy Policy
Heras Insurance Solutions LLC
Last Updated: 10/05/2026
Heras Insurance Solutions LLC (“we,” “us,” or “our”) is committed to protecting your privacy and maintaining the trust you place in us when seeking guidance related to health insurance, Medicare, ACA (Affordable Care Act), and related services. By accessing our website, submitting your information, or interacting with our services, you acknowledge that you have read and understood this Privacy Policy.
We collect personal information that you voluntarily provide to us, including your name, phone number, email address, mailing address, date of birth, and other information necessary to provide insurance guidance, quotes, and related services. We may also automatically collect technical information such as your IP address, browser type, device identifiers, and usage data to improve functionality, security, and service performance.
Your information is processed based on your consent, our legitimate business interest in providing services, and compliance with applicable legal and regulatory obligations. We use your information to provide personalized assistance, generate quotes, facilitate enrollment processes, deliver customer support, maintain records, and send relevant communications.
By providing your phone number and/or email address, you provide prior express written consent to receive communications from Heras Insurance Solutions LLC, including calls, emails, and text messages sent using automated technology, including but not limited to autodialers. These communications may include appointment confirmations, reminders, follow-ups, service-related notifications, and educational messages. Message frequency may vary. Standard message and data rates may apply. Consent is not required as a condition of purchasing any product or service. You may revoke consent at any time by replying “STOP” to SMS messages or following unsubscribe instructions provided in communications. Opt-out requests will be honored in accordance with applicable law.
We use third-party platforms, including customer relationship management systems, communication providers, and payment processors such as GoHighLevel, Twilio, and Stripe, to operate our business. These providers may process your data on our behalf under their own privacy and security standards. We are not responsible for the independent policies or practices of such third parties.
We do not sell, rent, or trade your personal information under any circumstances. We only share your information with our designated upline agency, Baez Agency LLC, for the purpose of processing insurance-related services, administrative support, compliance oversight, and client management within our licensed operational structure. Baez Agency LLC is authorized to access such information strictly for business and regulatory purposes. We do not share your information with unrelated third parties for marketing purposes.
We may disclose your information when required to comply with applicable laws, regulations, legal processes, governmental requests, or to protect our legal rights.
By using our services, you acknowledge and consent to the sharing of your information with Baez Agency LLC as described above.
We retain personal information only for as long as necessary to fulfill the purposes described in this policy, comply with legal, regulatory, and recordkeeping obligations, resolve disputes, and enforce agreements.
We implement reasonable administrative, technical, and organizational safeguards designed to protect your information; however, no method of transmission or storage is completely secure. By using our services, you acknowledge and accept this risk.
You may request access, correction, or deletion of your personal information, subject to applicable legal, regulatory, and contractual limitations.
Cookies and Tracking Technologies
Our website may use cookies, analytics tools, pixels, and similar tracking technologies to improve website functionality, analyze traffic, enhance user experience, and support communication and marketing efforts. These technologies may collect information such as browser type, device identifiers, IP address, pages visited, and interaction data.
Users may control or disable cookies through their browser settings; however, certain website features may not function properly if cookies are disabled.
SMS Consent and Mobile Information
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, messaging platforms, website hosting, and technical support, is permitted only to the extent necessary to provide our services. All other categories of personal information exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Terms of Use
Heras Insurance Solutions LLC
These Terms of Use govern your access to and use of the services provided by Heras Insurance Solutions LLC. By accessing or using our services, you agree to be legally bound by these Terms.
Heras Insurance Solutions LLC provides advisory, educational, and administrative assistance related to insurance products. We are not an insurance carrier and do not underwrite, issue, or guarantee any insurance policy. All coverage decisions, pricing, eligibility determinations, and approvals are made solely by third-party insurance carriers and applicable regulatory authorities.
All information provided by Heras Insurance Solutions LLC is for general informational and educational purposes only and does not constitute legal, medical, financial, or tax advice. No client relationship creates a fiduciary duty. You are solely responsible for evaluating your options and making final decisions regarding insurance coverage.
You agree to provide accurate, complete, and truthful information. Any misrepresentation, omission, or fraudulent activity may result in denial of services, termination of access, and potential legal consequences.
Heras Insurance Solutions LLC does not operate under a fixed pricing model. Certain services may involve administrative, consulting, or service fees depending on the nature of the assistance provided. Any applicable fee will be disclosed clearly in advance, and no charge will be processed without your prior acknowledgment and consent.
Once a service has been agreed upon and performed, any associated fee is considered fully earned and is non-refundable. By proceeding after disclosure, you acknowledge and agree that the fee represents compensation for time, expertise, advisory services, and administrative work already rendered, regardless of outcome or result. You further agree not to dispute such charges with your financial institution once the service has been performed in accordance with the agreed terms.
Payments, when required, may be processed through third-party providers such as Stripe. By submitting payment, you agree to the terms and conditions of such providers. Heras Insurance Solutions LLC is not responsible for errors, failures, or disputes arising from third-party payment systems.
To the maximum extent permitted by law, Heras Insurance Solutions LLC shall not be liable for any claims, losses, damages, liabilities, costs, or expenses of any kind, including direct, indirect, incidental, consequential, special, or punitive damages, arising from or related to your use of our services, reliance on information provided, denial of coverage, delays, errors, omissions, or decisions made by insurance carriers or third parties.
You agree to indemnify, defend, and hold harmless Heras Insurance Solutions LLC, its owners, agents, affiliates, and partners from any claims, demands, damages, liabilities, costs, or expenses, including legal fees, arising out of or related to your use of the services, your violation of these Terms, your misrepresentation of information, or your reliance on any information provided.
Heras Insurance Solutions LLC reserves the right to modify, suspend, or discontinue any part of its services at any time without prior notice. We may update these Terms at any time, and continued use of our services constitutes acceptance of any revisions.
Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages.
Age Requirement
You must be at least 18 years of age or older to use this website and SMS communication services.
SMS Communications
By providing your phone number and submitting a form through our website, you consent to receive informational SMS communications from Heras Insurance Solutions LLC related to appointments, insurance requests, policy updates, and customer support.
Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance.
These Terms shall be governed by and construed in accordance with the laws of the State of Texas. Any dispute arising from or related to these Terms shall be subject to the exclusive jurisdiction and venue of the courts located in the State of Texas.
Agency Fee Disclosure (Texas Compliance)
Heras Insurance Solutions LLC
Heras Insurance Solutions LLC may charge a separate service or agency fee for administrative, consulting, enrollment assistance, or other services that are not included in the premium charged by an insurance carrier.
Any such fee will be clearly disclosed to the client in advance, including the amount, purpose, and scope of the services to be provided. The client’s explicit and documented acknowledgment and consent will be obtained prior to the performance of any fee-based service.
All fees charged by Heras Insurance Solutions LLC are for legitimate services actually performed and are considered reasonable in relation to the value of the services provided.
This fee is separate from and independent of any commission received from an insurance carrier and is not required in order to purchase an insurance policy. Clients have the right to decline any service that includes a fee without affecting their ability to obtain insurance coverage.
Once the agreed service has been performed, the agency fee is considered fully earned and non-refundable. By agreeing to proceed after disclosure, the client acknowledges and agrees that the fee represents compensation for professional time, expertise, advisory services, and administrative work already rendered, and agrees not to dispute such charges based on the completion of the agreed service.
This disclosure is provided in accordance with applicable provisions of the Texas Insurance Code, including but not limited to Sections 4005.003 and 4005.004.