Effective Date: January 1, 2026

These Terms and Conditions govern your use of the services and communications provided by Golden Years Design Benefits. By accessing our website, submitting your information, or opting in to communications, you agree to these terms.

Services
Golden Years Design Benefits provides insurance education, consultation, quoting assistance, enrollment support, and ongoing service related to insurance products.

SMS and Communication Use
By providing your phone number, you agree to receive calls and text messages from Golden Years Design Benefits. Messages may include:

• Appointment reminders
• Insurance quotes and plan information
• Policy updates and service notifications
• Follow ups related to your inquiries or requests

Message frequency varies based on your interaction with our services.

Opt Out Instructions
You can cancel the SMS service at any time. Just text "STOP" to the (732) 526-7659 . After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected].

Message and Data Rates
As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to 4 messages per month. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Carrier Liability Disclaimer
Mobile carriers are not responsible for delayed or undelivered messages.

Customer Support
For help, reply HELP to any message or contact us directly:

Company Name: Golden Years Design Benefits
Website: http://goldenyearsdesignbenefits.net
Email: [email protected]
Phone: (732) 526-7659

Age Requirement
You must be at least 18 years old to use our services or opt in to communications.

Privacy Policy
Your use of our services is also subject to our Privacy Policy, which explains how we collect, use, and protect your information.

Privacy Policy: http://goldenyearsdesignbenefits.net/privacy-policy

Consent Not Required for Purchase
Consent to receive calls or text messages is not required to purchase any insurance products or services.

Changes to These Terms
Golden Years Design Benefits reserves the right to update these Terms and Conditions at any time. Updates will be posted on this page with a revised effective date.

Governing Law
These Terms and Conditions are governed by applicable federal and state laws of the United States