Terms of Service
Effective Date: January 1, 2025
Welcome to Rooted Benefits LLC. By accessing or using our website and services, you agree to the following Terms of Service.
**This site may use AI tools and automation to provide fast, helpful responses. Your information is protected under HIPAA and never sold.
1. Use of Site
This site is for informational purposes only. It does not constitute legal, medical, or financial advice. We are a licensed insurance agency serving clients nationwide, but this site does not guarantee eligibility, enrollment, or benefits.
2. Licensing & Scope
Rooted Benefits LLC is a licensed insurance agency based in Montgomery County, Texas, serving clients across the United States. Our agents are licensed in their respective states and appointed with various carriers. We do not offer every plan in every area.
3. Limitation of Liability
We are not liable for damages arising from the use or inability to use this site or from any actions taken based on the information provided herein. All use is at your own risk.
4. Disclaimer and Hold Harmless Agreement
Rooted Benefits LLC provides insurance guidance and plan comparisons based on information available at the time of consultation. We do not guarantee eligibility, approval, or specific plan outcomes. While we strive to ensure all information is accurate and up to date, we cannot be held responsible for errors in data provided by insurance carriers or third-party platforms.
By using our services, you agree to hold Rooted Benefits LLC, its agents, contractors, and affiliates harmless from any claims, damages, or liability arising from:
- Carrier decisions or plan benefit changes
- Delayed or incorrect enrollment actions
- Misinterpretation of information provided verbally or through automated tools
- Any loss or damage resulting from reliance on information provided via this website or our representatives
This clause does not waive rights under applicable consumer protection laws but serves to clarify the scope of our responsibility as an independent insurance agency.
5. Intellectual Property
All content, design elements, and branding are the intellectual property of Rooted Benefits LLC and may not be reused or distributed without written permission.
6. Jurisdiction
These Terms are governed by the laws of the State of Texas. Any legal action must be brought in Montgomery County, TX.
7. Automated and AI-Generated Communications
By using our services, you acknowledge that some communications—including SMS, email, chat responses, and appointment scheduling—may be powered by automated or AI tools. These systems are monitored for accuracy and are designed to assist, not replace, human support. You may request human interaction at any time.
**Use of these tools does not change your privacy rights or our data protection obligations under HIPAA or other regulations.
8. Third-Party Tools and Site Monitoring
We use third-party platforms for marketing, analytics, and customer service. This includes tools such as Google Analytics, automated CRM integrations, and performance monitoring services. These services help us improve functionality and user experience.
Use of this website implies your acknowledgment that anonymized data may be collected to support service delivery and quality improvement. You may opt out of cookie tracking by managing your browser preferences or visiting aboutads.info/choices.
Privacy Policy
Effective Date: January 1, 2025
At Rooted Benefits LLC, your privacy matters. This policy explains what data we collect, how we use it, and how we protect it.
1. What We Collect
We collect essential contact information (name, phone, email, zip code, date of birth) to provide accurate Medicare guidance. We do not collect sensitive health data beyond Medicare eligibility.
2. How We Use Your Data
We use your data to:
- Contact you about Medicare and retirement benefit options
- Schedule appointments
- Provide requested information
- Deliver marketing or educational content
- Facilitate customer support and appointment scheduling through automated or AI-driven systems
We do not sell, rent, or share your information.
3. HIPAA & Security
We follow HIPAA regulations in our handling of any protected health information (PHI). All data is encrypted at rest and in transit. We do not send PHI through analytics tools, and we maintain signed Business Associate Agreements (BAAs) with any vendors who handle sensitive health data.
4. Use of AI and Automation
We may use artificial intelligence (AI) tools and automated systems to improve your experience. This includes chatbots, virtual assistants, automated booking tools, voicemail drops, SMS responders, and email follow-ups. These tools may simulate live conversations and provide responses or actions based on your input. All data collected through these systems is subject to the same privacy protections outlined in this policy and is never sold or shared.
5. Do Not Track (DNT)
Some browsers allow users to send “Do Not Track” signals. Our website currently does not respond to Do Not Track settings, as there is no industry standard for interpreting these signals. We will update this policy if our practices change.
6. Children's Privacy
Our website and services are intended for adults and are not directed to individuals under the age of 18. We do not knowingly collect or solicit personal information from children. If we learn that we have collected personal information from a child under 18, we will promptly delete that information from our records.
If you believe that a child has provided us with personal information, please contact us at [email protected] so that we can take appropriate action.
7. Cookie Usage
We use both essential and non-essential cookies to improve site functionality, analyze traffic, and deliver targeted advertising. These cookies may be set by us or by third-party platforms such as Google, Facebook, and CRM-integrated tools.
These tools collect general usage data (pages visited, time on site, browser type) to help us improve services. We do not transmit any protected health information (PHI) through cookies or analytics platforms, and tools like Google Analytics are applied only to pages that do not contain sensitive health data, in accordance with Google’s HIPAA policy.
You can opt out of cookie-based tracking by adjusting your browser settings or by using the tools at:
8. Insurance Carriers and Marketing Relationships
Rooted Benefits LLC is a licensed insurance agency contracted with a variety of nationally and regionally recognized insurance carriers, including providers of Medicare Advantage plans, Medicare Supplements, Prescription Drug Plans, and ancillary health products. We are affiliated with Wealth Alliance Group, a licensed Field Marketing Organization (FMO), which provides back-office support and compliance oversight.
Our contracted carriers include, but are not limited to:
- Aetna
- Ambetter
- Blue Cross and Blue Shield of Texas (BCBS TX)
- CHRISTUS Health Plan
- Cigna
- Community First Health Plans
- Community Health Choice
- Devoted Health
- GTL (Guarantee Trust Life)
- Heartland National Life
- Humana
- Imperial Insurance Companies
- KelseyCare Advantage
- Manhattan Life
- Moda Health
- Molina Healthcare
- Oscar
- Physicians Mutual
- Scott and White Health Plan
- Sendero Health Plans
- UnitedHealthcare
- WellCare
- Wellpoint
This list may change over time and does not imply endorsement by or exclusive affiliation with any carrier. We do not offer every plan available in every area. For a complete list of available plans in your area, visit Medicare.gov or call 1-800-MEDICARE.
9. Compensation Transparency
We are compensated by the insurance carriers we represent when a client enrolls in a plan. This does not affect your costs or influence our obligation to act in your best interest.
10. Accessibility Statement (ADA)
We are committed to making our website accessible to individuals with disabilities. If you experience difficulty accessing content, please contact us at [email protected].
11. Data Retention Policy
We retain personal data only as long as necessary to fulfill the purposes outlined in this policy, or as required by law or CMS compliance standards.
12. Analytics & Error Reporting Tools
Analytics and Site Performance
We use tools such as Google Analytics, CRM-integrated reporting tools, and website monitoring platforms to gather anonymous usage data. This may include device type, time on site, pages visited, and general geographic region. These tools help us diagnose issues and improve site performance.
We do not send personal identifiers or health information to these tools. All data collected is anonymous and aggregated. We also do not use session recording technologies that capture keystrokes or sensitive form data.
13. Third-Party Service Providers
We use trusted third-party service providers to support our operations, including CRM systems, email marketing platforms, website hosting, and analytics services. These partners may have access to personal data solely for the purpose of performing tasks on our behalf. All such access is governed by contractual agreements requiring strict confidentiality and security.
Any service providers that handle protected health information (PHI) do so under signed Business Associate Agreements (BAAs) and in full compliance with HIPAA regulations. We do not sell or share your personal data with any outside parties for unrelated marketing purposes.
14. Legal Disclosures
- We are not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
- We do not offer every plan in your area. For all available plans, visit Medicare.gov or call 1-800-MEDICARE.
- Social media trademarks used on this site are the property of their respective owners. Their use does not imply endorsement.
Opt-Out Instructions
Effective Date: January 1, 2025
We respect your preferences. Here’s how to opt out of future communications.
1. Email Communications
Every marketing email includes an unsubscribe link at the bottom. Click it at any time to stop receiving emails from us.
2. SMS/Text Messaging/Online Chat
Text "STOP" to any of our messages to unsubscribe from future SMS outreach. Some responses may be automated or powered by AI. You may opt out of these communications at any time by replying “STOP” to SMS, requesting a live agent by phone, or emailing [email protected].
3. Direct Mail
To opt out of receiving direct mail, send a request letter to Rooted Benefits LLC, 3431 Rayford Road, #234, Spring, Texas 77386 with your full name and mailing address and we will remove you from all mailing lists.
4. Phone Calls
Let any of our agents know you do not wish to be contacted again. We will honor all "do not contact" requests immediately.
5. Cookies & Tracking
We use cookies for analytics and to serve targeted ads through platforms like Google, Facebook, and others. To opt out of cookie-based tracking:
- Adjust your browser settings to block or delete cookies
- Visit www.aboutads.info/choices or www.youronlinechoices.com to manage ad preferences
- Use browser extensions such as uBlock Origin or DuckDuckGo Privacy Essentials
6. Social & Retargeting Ads
We use advertising tools provided by platforms such as Facebook, Google, LinkedIn, and others to deliver retargeted ads and measure campaign performance. These platforms may collect data via cookies or other tracking technologies when you visit our site. While we do not sell your data, these platforms may use aggregated information to serve you relevant ads based on your interactions.
You can opt out of personalized advertising by adjusting your preferences in the respective platforms or by visiting www.aboutads.info/choices and www.youradchoices.com. You can manage your ad preferences directly through Facebook, Google, and other platforms.
7. Google Analytics Opt-Out
You may disable Google Analytics tracking by installing the Google Opt-Out Browser Add-On:
https://tools.google.com/dlpage/gaoptout
Organizational Commitments
Effective Date: January 1, 2025
Rooted Benefits LLC is committed to operating with integrity, transparency, and care. As part of that mission, we uphold the following workplace and community values:
1. Career Growth & Learning
We equip our team with tools to grow in their careers through structured mentorship, licensing support, compliance and ethics training, and weekly coaching sessions. We believe in developing servant leaders who can grow with the company.
2. Diversity, Equity, and Inclusion (DEI)
We are committed to fostering a workplace that values diversity, ensures equality of opportunity, and promotes respectful inclusion of all individuals, regardless of race, ethnicity, gender, age, disability, religion, or background. We evaluate policies and hiring practices to align with these values.
3. Work-Life Balance
We prioritize flexibility in scheduling, personal time, and remote work opportunities. Our leadership supports employees in maintaining a healthy balance between professional responsibilities and family, faith, or personal priorities.
4. Social Impact
We are committed to helping seniors, individuals with disabilities, and underserved populations navigate complex benefit systems. Through Medicare and Medicaid enrollment support, we help remove barriers to care while building trust in the communities we serve.
5. Environmental Sustainability
While not a primary focus of our business model, we utilize paperless processes, cloud-based communication, and digital documentation to reduce waste and minimize environmental impact wherever possible.
© 2025 Rooted Benefits LLC - 3431 Rayford Road, #234, Spring, Texas 77386. All Rights Reserved. Rooted Benefits LLC is a licensed insurance agency based in Texas, serving clients nationwide. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. For information on all available options, please visit Medicare.gov or call 1-800-MEDICARE. This site is not endorsed by or affiliated with the U.S. government or the federal Medicare program. Facebook™, YouTube™, LinkedIn™, and TikTok™ are registered trademarks of their respective owners. Use of these names does not imply endorsement by, or affiliation with, those platforms. By submitting your information through this website, you agree to be contacted by a licensed agent regarding your Medicare options. This contact is not obligatory and does not affect your enrollment eligibility.