Terms of Use

Last updated: March 2026

Please read these Terms of Use carefully before using the Richards Health website and benchmark tool. By accessing or using our services, you agree to be bound by these terms.

Nature of Services

Richards Health provides health insurance advisory services and educational tools. The benchmark tool and related content are provided for informational purposes only and do not constitute insurance advice, a quote, or a binding offer of coverage.

Benchmark results are directional estimates based on state-level premium data and assumptions. They may not reflect your actual insurance options, premium rates, or eligibility. Always consult with a licensed insurance professional before making coverage decisions.

Not a Medical or Legal Advisory

Nothing on this website constitutes medical advice or legal counsel. Health information you provide is used solely for the purpose of calibrating coverage benchmarks and is not reviewed by medical professionals.

Licensing

Richards Health operates as a licensed insurance advisory where required by applicable state law. Licensing status varies by state. Not all services are available in all states. We currently serve 27 states.

Certified health insurance provider for this domain: Tyler Glen Richards.

User Representations

By using our services, you represent that:

  • You are at least 18 years of age
  • You are a resident of a state where we operate
  • Information you provide is accurate to the best of your knowledge
  • You will use our services for lawful purposes only

Intellectual Property

All content on this website - including text, graphics, logos, and benchmark methodology - is the property of Richards Health and may not be reproduced or distributed without written permission.

Limitation of Liability

To the fullest extent permitted by law, Richards Health shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or reliance on benchmark results. Our total liability for any claim shall not exceed the amount paid by you for services in the preceding 12 months, if any.

Third-Party Services

Our website may contain links to third-party websites or integrate third-party services (including scheduling tools and analytics providers). We are not responsible for the privacy practices or content of third-party services.

Consent to Contact

By submitting information through our contact form or benchmark tool, you consent to being contacted by Richards Health LLC or affiliated licensed advisors via phone, email, or text message regarding your coverage review. You may opt out of communications at any time.

Mobile Messaging Terms and Conditions

Richards Health LLC ("Richards Health LLC", "we", or "us") operates a mobile messaging program (the "Program") subject to these Mobile Messaging Terms and Conditions (the "Mobile Messaging Terms"). The Program and our collection and use of your personal information is also subject to our Privacy Policy. By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree to these Mobile Messaging Terms and our Privacy Policy.

  1. Program Description: We may send promotional and transactional mobile messages in various formats through the Program. Promotional messages advertise and promote our products and services and may include promotions, specials, and other marketing offers. Transactional messages relate to an existing or ongoing transaction and may include appointment reminders and other transaction-related information. Mobile messages may be sent using an automated technology, including an autodialer, automated system, or automatic telephone dialing system. Message frequency will vary but will not exceed 5 messages in 1 day. You agree that we may send you messages regarding the foregoing topics or any topic and that such messages and/or calls may be made or placed using different telephone numbers or short codes. We do not charge for mobile messages sent through the Program but you are responsible for any message and data rates imposed by your mobile provider, as standard data and message rates may apply for SMS and MMS alerts.
  2. User Opt-In: By providing your mobile phone number to us, you are voluntarily opting in to the Program and you agree to receive recurring mobile messages from us at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal "Do Not Call" list. You agree that any mobile phone number you provide to us is a valid mobile phone number of which you are the owner or authorized user. If you change your mobile phone number or are no longer the owner or authorized user of the mobile phone number, you agree to promptly notify us at tyler@richards.health. Your participation in the Program is not required to make any purchase from us and your participation in the Program is completely voluntary.
  3. User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to opt-out of the Program and stop receiving mobile messages from us, or you no longer agree to these Mobile Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT, and/or UNSUBSCRIBE to any mobile message from us. You may continue to receive text messages for a short period while we process your request and you may receive a one-time opt-out confirmation message. You understand and agree that the foregoing is the only reasonable method of opting out. For support, reply HELP to any mobile message from us. Our mobile messaging platform may not recognize requests that modify the foregoing commands, and you agree that we and our service providers will not be liable for failing to honor requests that do not comply with the requirements in these Mobile Messaging Terms. We may also change the telephone number or short code we use to operate the Program and we will notify you of any such change. You acknowledge that any requests sent to a telephone number or short code that has been changed may not be received by us and we will not be responsible for failing to honor a request sent to a telephone number or short code that has been changed.
  4. Disclaimer of Warranty and Liability: The Program is offered on an "as-is" basis and may not be available in all areas, at all times, or on all mobile providers. You agree that neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message or information sent through the Program.
  5. Modifications: We may modify or cancel the Program or any of its features at any time, with or without notice. To the extent permitted by applicable law, we may also modify these Mobile Messaging Terms at any time. Any such modification will take effect when it is posted to our website. You agree to review these Mobile Messaging Terms periodically to ensure that you are aware of any modifications. Your continued participation in the Program will constitute your acceptance of those modifications.

Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of our services after changes constitutes acceptance of the revised terms.

Governing Law

These Terms shall be governed by applicable federal law and the laws of the state in which Richards Health is principally licensed, without regard to conflict of law principles.

Contact Us

If you have any questions about these Terms and Conditions, you can contact us:

By email: tyler@richards.health

By phone number: (470) 673-3661