TERMS & CONDITIONS

1. Acceptance of Terms

By accessing or using this website, completing a consultation request form, or opting in to receive SMS messages from Lina Shenk and/or SVJ Insurance Advisors, you agree to be bound by these Terms of Service. If you do not agree, please do not use this website or submit your information.

2. Description of Services

Lina Shenk is an Independent Insurance Advisor with SVJ Insurance Advisors, offering insurance education, plan comparisons, appointment scheduling, and consultation services for individuals, families, Medicare-eligible individuals, and small groups in Pennsylvania and other licensed states.

SVJ Insurance Advisors Inc. is an independent insurance agency and is not affiliated with or endorsed by Medicare, the federal government, or any government agency.

3. SMS Messaging Program — Terms and Conditions

By opting in to receive SMS text messages by checking the consent box on our consultation request form, you agree to the following:

Program Description:

You are opting in to receive text messages from Lina Shenk and/or SVJ Insurance Advisors. Messages are related to:

- Responses to your insurance inquiry

- Appointment scheduling and confirmations

- Appointment reminders

- Insurance education and plan information

- Follow-up communication related to services you requested

Message Frequency:

Message frequency may vary based on your inquiry activity and appointment schedule. You may receive occasional follow-up messages related to your open request.

Message and Data Rates:

Standard message and data rates may apply depending on your mobile carrier and plan. SVJ Insurance Advisors does not charge for SMS messages, but your carrier's standard rates apply.

How to Opt Out:

You may opt out of SMS messages at any time by replying STOP to any message you receive. After opting out, you will receive one final confirmation message and no further texts will be sent unless you opt in again.

How to Get Help:

Reply HELP to any message for assistance, or contact us directly at:

Phone: 484-224-5949

Email: [email protected]

Carrier Liability Disclaimer:

Participating wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your network operator.

Age Restriction:

You must be 18 years of age or older to opt in to SMS communications from SVJ Insurance Advisors. By submitting your phone number and checking the SMS consent box, you confirm you are at least 18 years old.

Consent Is Not a Condition of Purchase:

Your consent to receive SMS messages is not required as a condition of receiving insurance advisory services, obtaining a quote, or enrolling in any insurance plan.

4. Privacy and Data Use

Your personal information, including your phone number and SMS consent status, is handled in accordance with our Privacy Policy. No mobile information or SMS opt-in data will be shared with third parties or affiliates for marketing or promotional purposes.

Link to Privacy Policy: https://linashenk.insurewithsvj.com/privacy-policy

5. No Government Affiliation

SVJ Insurance Advisors is not affiliated with, endorsed by, or connected to Medicare, Medicaid, or any federal, state, or local government agency. Our advisors are licensed independent insurance professionals.

6. Insurance Information Disclaimer

Insurance plan availability, benefits, premiums, and eligibility may vary by carrier, location, and individual circumstances. Information provided on this website and through consultations is for educational purposes only and does not constitute a guarantee of coverage, pricing, or enrollment. Speaking with an advisor does not obligate you to enroll in any plan.

7. Limitation of Liability

SVJ Insurance Advisors and its independent advisors shall not be liable for any indirect, incidental, or consequential damages arising from the use of this website, reliance on information provided, or SMS communications. Our total liability shall not exceed the amount paid, if any, for services rendered.

8. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with a revised "Last Updated" date. Continued use of our website or services after changes are posted constitutes your acceptance of the updated Terms.

9. Contact Information

SVJ Insurance Advisors Inc.

555 2nd Ave, Suite D204

Collegeville, PA 19426

Phone: 484-224-5949

Email: [email protected]

Lina Shenk, Independent Advisor

Phone: 223-218-2210

Email: [email protected]

555 2nd Ave, Suite D204 Collegeville, PA 19426

484-224-5949

Licensed Independent Insurance Agency

Lina Shenk

Lina Shenk is an Independent Advisor with SVJ Insurance Advisors, providing personalized insurance guidance for individuals, families, and Medicare beneficiaries. Her goal is to help clients understand their options, answer coverage questions, and make informed decisions with confidence.

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SMS Terms

SVJ Insurance Advisors Inc. is an independent insurance agency. Insurance plan availability, benefits, premiums, and eligibility may vary by carrier,

location, and individual circumstances. Speaking with an advisor does not obligate you to enroll in any plan.

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