Terms of Service

Effective Date: July 25 2025

Welcome to Merrimack Health Insurance. By accessing this website (the “Site”) or using any of our services (the “Services”), you agree to be bound by the following Terms of Service (“Terms”). Please read them carefully. If you do not agree to these Terms, do not use our Site or Services.

1. Use of the Site

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:

In any way that violates federal, state, or local laws or regulations.

To send any unsolicited promotional material or spam.

To attempt to gain unauthorized access to any part of the Site or systems connected to it.

2. Services Offered

Merrimack Health Insurance provides insurance consulting and brokerage services including health, dental, vision, supplemental, and Medicare-related products. Our team assists individuals, families, and employers in selecting and managing insurance plans.

Any advice or recommendation provided by our agents is based on the information you supply. Final insurance coverage decisions rest with the individual and their chosen carrier.

3. Disclaimers

We are not an insurance carrier. We are a licensed health insurance agency providing consulting and brokerage services.

Coverage eligibility and benefits are determined by the carrier, not Merrimack Health Insurance.

The content on this Site is for informational purposes only and should not be construed as legal, tax, or financial advice.

4. Limitation of Liability

To the maximum extent permitted by law, Merrimack Health Insurance is not liable for any direct, indirect, incidental, or consequential damages arising out of your access or use of the Site or Services.

5. Privacy and Data Collection

We value your privacy and comply with New Hampshire SB 255 and all applicable data protection laws.

Data Collected

We may collect:

Name, email, phone number, and any information you provide through our contact forms

Information regarding your insurance needs and preferences

Data collected via cookies for site analytics and user experience optimization

Use of Data

We use your data:

To contact you in response to your inquiry

To provide quotes and assist with insurance recommendations

To improve our website performance and services

We do not sell or share your personal information with third parties for promotional or marketing purposes.

For full details, please review our Privacy Policy.

6. SMS Terms of Service

To enhance communication and provide timely updates, we may offer SMS messaging as part of our service. By opting into SMS communication, you agree to the following:

SMS Consent

By providing your mobile number, you authorize Merrimack Health Insurance to send you non-marketing and limited marketing text messages related to your inquiry or services.

Message frequency may vary depending on your engagement and service needs.

SMS Opt-Out

You can opt out of SMS messages at any time by replying "STOP".

After opting out, you may receive a confirmation message, and no further messages will be sent unless you re-enroll.

Carrier Disclaimer

Message and data rates may apply depending on your mobile carrier.

Merrimack Health Insurance is not liable for delayed or undelivered messages.

A2P 10DLC & TCR Compliance

All SMS communications are registered with The Campaign Registry (TCR) and adhere to A2P 10DLC guidelines.

We do not send messages without documented consumer opt-in, and all messages clearly identify Merrimack Health Insurance as the sender.

We maintain proper records of consent and provide clear opt-out instructions in every message.

7. Intellectual Property

All content on this Site, including text, logos, images, and layout, is the property of Merrimack Health Insurance or its licensors. You may not reproduce, distribute, or use any content without prior written consent.

8. Changes to Terms

We may update these Terms at any time. Any changes will be posted to this page with an updated effective date. Continued use of the Site after changes are posted constitutes acceptance of the new Terms.

9. Contact Us

For any questions or concerns about these Terms, please contact:

Merrimack Health Insurance
12 Madison Lane
Merrimack, NH 03054
Phone: (978) 645-1234
Email: brobichaud@merrimackins.com