Terms of Use
Effective Date:
04/06/2026
Welcome to Heather Schultz. By accessing our website, booking services, opting into communications, or using any product or service provided by us, you ("User," "you," or "your") agree to be bound by these Terms of Use. Please read them carefully.
1. Acceptance of Terms
By visiting our site, signing up for services, or receiving messages (email/SMS), you accept these Terms and our Privacy Policy. If you do not agree, please do not use our services.
I reserve the right to update or modify these Terms at any time. Updated terms will be posted with a revised effective date.
2. Eligibility
You must be at least 18 years old or the legal age of majority in your jurisdiction to use our services. By using them, you affirm that you meet this requirement.
3. Use of Services
You agree to use our website and services only for lawful purposes. You agree not to:
Violate any local, state, federal, or international laws
Interfere with or disrupt the site or our services
Misuse, copy, or redistribute any proprietary content without written permission
Submit false or misleading information
4. Communications and Messaging
By providing your contact information and opting in, you consent to receive messages from Heather Schultz via email, SMS, or phone.
Message frequency varies
Message & data rates may apply
Text STOP to opt out at any time
Text HELP for support
I am not liable for delays or undelivered messages. You must ensure that your contact details remain accurate.
Mobile carriers are not liable for delayed or undelivered messages.
5. Intellectual Property
All content, logos, design elements, videos, and materials on our site or sent via communications are owned by Heather Schultz or licensed to us. You may not use our materials without express written consent.
6. Payment and Refunds
If applicable, all pricing and payment terms will be clearly stated before purchase. Unless otherwise stated, all sales are final.
I may offer refund guarantees under certain program terms—see specific offer pages or agreements for details.
7. Limitation of Liability
To the fullest extent permitted by law, Heather Schultz is not liable for:
Any indirect, incidental, or consequential damages
Loss of data, revenue, or profit
Issues arising from your misuse of our services
All services are provided "as-is" without warranties of any kind.
8. Termination
I may terminate your access at any time without notice if you violate these Terms or misuse our services. Upon termination, all rights granted to you cease immediately.
9. Governing Law
These Terms are governed by the laws of the state or country where Heather Schultz is headquartered. Any disputes will be resolved in that jurisdiction.
10. Contact Information
For questions or concerns regarding these Terms of Use, please contact us at:
11. Description of SMS Use Cases
Heather Schultz may use SMS messaging to communicate with clients and prospects who have opted in to receive text messages. SMS communications may include, but are not limited to:
Insurance quote follow-ups and responses to inquiries
Appointment confirmations and reminders
Policy updates or service-related notifications
Requests for additional information needed to process insurance applications
Customer support communications
Occasional marketing messages related to insurance products or services
SMS messages will only be sent to users who have provided consent to receive such communications. Message frequency may vary depending on the nature of the interaction.
Users may opt out of SMS communications at any time by replying STOP to any message.
Business Name:
Heather Schultz
Email:
Phone:
(925) 481-6793
Address:
4444 York St Ste 100