Terms of service

1. About our services

Cradlestrategies LLC helps individuals and families learn about and compare health, dental, vision, Medicare, and supplemental insurance options and assists with applications and enrollment through licensed insurance agents. Information on this website is general and educational. It is not legal, tax, or medical advice.

Plan availability, benefits, premiums, and eligibility are set by insurance carriers and may change. Coverage is not in effect until a carrier approves your application. We do not guarantee that any plan will be approved or that any specific benefit will be available to you.

2. Eligibility

You must be at least 18 years old to use our Services. By using them, you confirm that the information you provide is accurate and that the phone number and email address you provide belong to you.

3. SMS / text messaging terms

Program name: Cradlestrategies LLC Client Updates.

Program description: When you opt in through a form or booking calendar on our website, you may receive text messages from Cradlestrategies LLC, including appointment confirmations and reminders, responses to your inquiries, service updates, plan information, enrollment period announcements, and, only if you separately consent, promotional messages about health, dental, vision, Medicare, and supplemental insurance.

Consent: Opting in is optional. Consent checkboxes are never pre-checked and are not required to book an appointment or submit a form. Consent is not a condition of purchase. Messages may be sent using an automated system, CRM, or automatic telephone dialing system.

Message frequency: Message frequency varies based on your interaction with our Services.

Costs: Message and data rates may apply. Check your mobile plan for details.

Opt-out: Reply STOP to any message to cancel. You will receive one confirmation message and then no further messages unless you opt in again. You may also opt out by contacting us using the details below.

Help: Reply HELP to any message, call +1 (610) 808-2579, or email [email protected].

Carrier disclaimer: Wireless carriers are not liable for delayed or undelivered messages.

See Section 4 of our Privacy Policy for more about our text messaging practices.

4. Consent to calls, texts, and emails

If you check the consent box(es) when you book or submit a form, you provide express written consent for Cradlestrategies LLC and its licensed agents to contact you at the phone number and email address you provided, including through automated technology, prerecorded or artificial voice messages, and text messages, about your inquiry and about health, dental, vision, Medicare, and supplemental insurance products and services. This consent applies even if your number is listed on a state or federal Do Not Call registry. You understand that consent is not a condition of purchasing any goods or services, and you may revoke it at any time by replying STOP to a text message or contacting us.

5. Your responsibilities

• Provide accurate and complete information, especially on insurance applications
• Review plan documents from the carrier before enrolling
• Do not use our website for unlawful purposes or try to interfere with its operation
• Do not submit another person's information without their permission

6. Insurance and Medicare disclosures

Cradlestrategies LLC is a licensed insurance agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. Not connected or affiliated with any United States Government or State agency. Medicare has neither reviewed nor endorsed this information. This is a solicitation for insurance. A licensed insurance agent may contact you.

7. Intellectual property

The content on this website, including text, graphics, and logos, belongs to Cradlestrategies LLC or its licensors and may not be copied or reused without our written permission.

8. Third-party services and links

Our Services may use or link to third-party tools such as booking calendars and carrier websites. We are not responsible for third-party content, policies, or practices.

9. Disclaimer of warranties

Our website and its content are provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not warrant that the website will be uninterrupted or error-free.

10. Limitation of liability

To the fullest extent permitted by law, Cradlestrategies LLC and its members, agents, and employees will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the website. Nothing in these Terms limits any rights you have under applicable insurance laws or regulations.

11. Indemnification

You agree to indemnify and hold Cradlestrategies LLC harmless from claims arising from your misuse of our Services or your violation of these Terms.

12. Governing law

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in Pennsylvania, unless applicable law requires otherwise.

13. Changes to these terms

We may update these Terms from time to time. When we do, we will change the "Last updated" date above. Continued use of our Services after an update means you accept the revised Terms.

14. Contact us

Questions about these Terms? Contact us: