Terms of Service

Effective date: August 4, 2026

Welcome to heartsfirstinsurance.com, operated by Hearts First Insurance ("Hearts First", "we", "us") in Houston, Texas. By using this website, you agree to these terms. If you do not agree, please do not use the site.

Who we are

Hearts First Insurance is a licensed insurance agency based in Houston, Texas. We help individuals, families, and seniors compare and enroll in insurance products offered by third-party insurance carriers.

Informational purposes only

The content on this website is general information about insurance products and our services. It is not an offer of coverage, a contract of insurance, or a guarantee of eligibility, price, or benefits.

All coverage is governed exclusively by the terms of the policy issued by the insurance carrier. If anything on this site differs from an issued policy, the policy controls.

Quotes, eligibility, and availability

Any quotes, premiums, subsidies, or plan features discussed with us are estimates until confirmed by the carrier. Final rates and eligibility depend on carrier underwriting, your state and county, the information you provide, and enrollment periods, all of which can change without notice. Plan availability varies by area, and we do not offer every plan available in your area.

Not legal, tax, or financial advice

We provide licensed insurance guidance. Nothing on this site or in our conversations is legal, tax, or financial advice. For those matters, please consult the appropriate professional.

Your use of the site

You agree to use the site lawfully, to provide accurate information in our forms, and not to interfere with the site’s operation, attempt to access it without authorization, or use it to send spam or malicious content.

Forms and communications

When you submit our contact form, the handling of your information and your consent to be contacted are described in our Privacy Policy, which is part of these terms.

Intellectual property

The Hearts First name, logo, and the content of this site belong to us or are used with permission. Insurance carrier names and logos shown on this site are the property of their respective owners and appear only to indicate the carriers we work with. You may not copy or reuse site content for commercial purposes without our written permission.

Third-party sites and carriers

This site may link to third-party websites, and enrolling in coverage involves third-party carriers and platforms. We are not responsible for the content, policies, or practices of third parties.

Disclaimer and limitation of liability

The site is provided "as is" and "as available". We work to keep the information accurate and the site running, but we do not guarantee that the site will be error-free or uninterrupted.

To the maximum extent permitted by law, Hearts First will not be liable for indirect, incidental, or consequential damages arising from your use of the site. Nothing in these terms limits rights that applicable law does not allow to be limited.

Changes to these terms

We may update these terms from time to time. The current version will always be posted on this page with its effective date, and your continued use of the site means you accept the updated terms.

Governing law

These terms are governed by the laws of the State of Texas. Any dispute related to the site will be resolved in the courts of Harris County, Texas.

Contact us

Hearts First Insurance — Houston, Texas. Email info@heartsfirstinsurance.com or call (832) 975-2543.