Terms and Conditions
Creative Health Solutions
Effective date: October 21, 2026
These Terms and Conditions cover the Creative Health Solutions text messaging program (Part 1, SMS Terms) and your use of www.chsquotes.com (Part 2, Website Terms). "Creative Health Solutions," "we," "us," and "our" mean Creative Health Solutions, 51 NW Carolina St #104, Melbourne, FL 32904.
Part 1: SMS Terms
1. Program name and description
Program name: Creative Health Solutions Client Messages.
Creative Health Solutions sends text messages to people who opt in. There are two types of messages, and you choose each one separately:
- Non-marketing (informational) messages: messages about your insurance inquiry, including insurance quotes, appointment reminders, and follow-ups on your request.
- Marketing messages: sent only if you give separate consent for them. These are occasional messages about insurance plans, coverage options, and open-enrollment deadlines.
Consenting to one type of message does not mean you consent to the other.
2. How you opt in
You can opt in by:
- Website quote forms: checking one or both optional SMS consent boxes on the quote forms at www.chsquotes.com. One box is for non-marketing messages and a separate box is for marketing messages. Both boxes are unchecked by default, and you can submit a form without checking either one.
- Website chat: checking the SMS consent box in the chat window on our website, when that box is shown.
After you opt in, you may receive a message confirming your enrollment.
3. Consent is optional
Consent to receive text messages is optional and is not a condition of purchase of any product or service.
4. Message frequency
Message frequency varies based on your inquiry and your interaction with us.
5. Costs
Msg & data rates may apply. Contact your wireless carrier for details about your plan.
6. How to opt out
You can cancel at any time. Reply STOP to any message to stop receiving texts. We also accept END, CANCEL, UNSUBSCRIBE, and QUIT. You will receive one message confirming that you have been unsubscribed. After that, you will receive no further text messages unless you opt in again, for example by replying START.
Replying STOP ends all text messages from this program. If you only want to stop marketing messages and keep receiving messages about your quote or appointments, contact us at (321) 872-4940 or dmills@chsquotes.com.
7. How to get help
Reply HELP to any message for help. You can also contact us:
- Phone: (321) 872-4940
- Email: dmills@chsquotes.com
- Mail: Creative Health Solutions, 51 NW Carolina St #104, Melbourne, FL 32904
8. Carriers
Wireless carriers are not liable for delayed or undelivered messages.
9. Eligibility
You must be at least 18 years old, and you must be the account holder for the mobile number you provide or have the account holder's permission.
10. Privacy
Your mobile number and SMS opt-in information are never sold or shared with third parties or affiliates for marketing purposes. See our Privacy Policy.
11. Changes to the SMS Terms
We may update these SMS Terms. The current version will always be posted on this page.
Part 2: Website Terms
12. Use of this website
By using www.chsquotes.com (the "Site"), you agree to these Terms and Conditions and to our Privacy Policy. You agree to use the Site only for lawful purposes and to give accurate information when you request a quote or schedule a call. You may not misuse the Site, interfere with its operation, or try to gain unauthorized access to it.
13. Information only, not a guarantee of coverage, savings, or rates
The content on the Site is general information about insurance and is not legal, tax, or medical advice. Requesting a quote does not create an insurance policy or bind coverage. Coverage is not in effect until an insurance company approves your application and the policy is issued.
We do not guarantee coverage, eligibility, savings, premiums, or rates. Quotes are estimates based on the information you provide. Final premiums, subsidy amounts, eligibility, benefits, and networks are determined by the insurance company or the Health Insurance Marketplace and may change. Any savings figures or client examples on the Site describe past results. Your results may vary.
14. Licensed agents
Creative Health Solutions is an independent insurance agency. Insurance products are offered through licensed insurance agents. Plan availability, carriers, and products vary by state and location. Darius Mills is a licensed insurance agent in all 50 states.
15. Medicare
Creative Health Solutions is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
16. Third-party sites and services
The Site may link to or include third-party websites and services, such as HealthCare.gov, Medicare.gov, insurance company websites, Calendly, and Google reviews. We do not control those sites and are not responsible for their content or practices.
17. Intellectual property
The Site's content, including text, graphics, logos, and images, belongs to Creative Health Solutions or its licensors. You may not copy or reuse it for commercial purposes without our written permission.
18. Disclaimer of warranties
The Site is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Site will be uninterrupted or error-free.
19. Limitation of liability
To the fullest extent permitted by law, Creative Health Solutions and its owners, agents, and employees will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, or coverage, arising from your use of the Site or reliance on its content. This applies even if we were told such damages were possible. Nothing in these Terms limits any liability that cannot be limited under applicable law.
20. Governing law and complaints
These Terms and Conditions are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. If you have a complaint about insurance services, please contact us first at (321) 872-4940 or dmills@chsquotes.com. You may also file a complaint with your state's Department of Insurance.
21. Changes to these Terms
We may update these Terms and Conditions from time to time. When we do, we will post the updated version on this page and change the effective date above. Your continued use of the Site after a change means you accept the updated Terms.
22. Contact us
Creative Health Solutions
51 NW Carolina St #104
Melbourne, FL 32904
Phone: (321) 872-4940
Email: dmills@chsquotes.com