Terms of Service

Please read these terms carefully before using our services

Effective Date: June 12, 2026  ·  Last Updated: June 12, 2026

1. Acceptance of Terms

By accessing or using the Chandler Health Advisory website (the "Site") or submitting a quote request, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site or submit any information through it.

These Terms apply to all visitors, users, and individuals who access or use the Site.

2. Nature of Services

Chandler Health Advisory is an independent health insurance advisory service operated by Denzel Chandler, a licensed health insurance agent. Our services include:

Advisory Only — Not Legal or Medical Advice: The information provided through this Site and our consultations is for general informational and advisory purposes only. It does not constitute legal, medical, or financial advice. You should consult appropriate licensed professionals for legal, medical, or financial guidance.

3. Advisor-Client Relationship

Submitting a quote request or scheduling a consultation does not create a formal advisor-client contract. A relationship is established only upon explicit written agreement and enrollment through our services.

We act as an independent broker and may be compensated by insurance carriers for plans you enroll in. This compensation does not increase your premium — insurance carriers pay broker commissions from their existing rate structures. Our advice is guided by your best interests.

4. No Guarantee of Coverage or Pricing

Plan availability, premiums, deductibles, and eligibility for subsidies vary based on your individual circumstances, location, and current market offerings. Any estimates or examples provided on this Site or during a consultation are illustrative only and do not constitute a guarantee of coverage, cost, or eligibility.

Final plan details, pricing, and coverage terms are determined by the insurance carrier and are subject to their underwriting rules and applicable law.

5. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting a quote request or communicating with us. Providing false or misleading information may result in incorrect plan recommendations and could affect your ability to obtain coverage or file claims.

6. Communication Consent

By submitting a quote request, you consent to being contacted by Chandler Health Advisory via phone, email, or text message (SMS) regarding your inquiry. You may opt out of text messages at any time by replying STOP. Message and data rates may apply.

We will not contact you for purposes unrelated to your insurance inquiry without your separate consent.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Chandler Health Advisory and Denzel Chandler shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

Our total liability for any claim arising from these Terms or use of this Site shall not exceed the amount you paid us directly, if any.

8. Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

9. HIPAA & Health Information

Chandler Health Advisory is an independent licensed insurance advisor and may function as a Business Associate under the Health Insurance Portability and Accountability Act (HIPAA) when coordinating with insurance carriers who are Covered Entities.

We do not collect, store, or transmit Protected Health Information (PHI) — such as medical records, diagnoses, or prescription history — through this website. Any health-related details voluntarily shared through our quote form (e.g., ongoing medications or conditions) are used solely to recommend appropriate insurance coverage and are kept strictly confidential.

By submitting a quote request, you acknowledge that:

We comply with all applicable federal and Florida state privacy laws governing the handling of personal and health-related information. If you have concerns about how your information is used, contact us at denzelchandlerhealth@gmail.com.

10. Third-Party Services

This Site may contain links to or integrations with third-party platforms (including Calendly for scheduling and insurance carrier portals). We are not responsible for the content, policies, or practices of any third-party website or service. Your use of those services is governed by their respective terms and policies.

11. Intellectual Property

All content on this Site — including text, graphics, logos, and design — is the property of Chandler Health Advisory and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any Site content without our prior written permission.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts of Broward County, Florida.

13. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

14. Contact Us

If you have questions about these Terms, please contact us: