Terms & Conditions

1. Who We Are

CTX Partners, LLC is an independent enrollment resource that helps individuals, freelancers, and small business owners compare and enroll in health coverage. We are not an insurance carrier. Plans referenced on our site are sponsored and underwritten by third-party organizations, including SBMA Benefits (MEC plans) and Clearwater Benefits (Major Medical plans), with optional add-ons through Delta Dental and VSP Vision.

2. Use of Our Website

You may use ctx-partners.com to learn about coverage options and to request a quote or consultation. You agree to provide accurate information when submitting any form on our site and not to use our website for any unlawful purpose, to impersonate another person, or to submit false or misleading information.

3. No Insurance Advice; Not a Guarantee of Coverage

Information on this website is for general informational purposes and does not constitute insurance, legal, financial, or medical advice. Plan availability, pricing, and eligibility vary by state and individual circumstances and are confirmed by a licensed consultant before enrollment. Submitting a form or speaking with us does not guarantee approval, enrollment, or coverage under any plan.

4. SMS / Text Messaging Program

By checking the SMS opt-in box on our contact form and providing your mobile number, you consent to receive text messages from CTX Partners at the number provided.

Types of messages & frequency

Our SMS program may include messages about your health coverage inquiry, quote follow-ups, appointment reminders, and related customer service communications. Message frequency varies depending on your inquiry and may include multiple messages.

For details on how we collect, use, and share your information, including your mobile number, see our Privacy Policy.

5. Third-Party Links & Partners

Our website may link to third-party sites, including plan administrator enrollment portals (for example, myenroll.com), carrier provider directories, or partner services. We do not control and are not responsible for the content, privacy practices, or terms of those third-party sites.

6. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to accuracy, completeness, or fitness for a particular purpose. We do our best to keep plan and pricing information current, but details are subject to change by the underlying carriers and administrators.

7. Limitation of Liability

To the fullest extent permitted by law, CTX Partners is not liable for any indirect, incidental, or consequential damages arising from your use of our website or SMS program, including delayed, undelivered, or misdirected messages.

8. Governing Law

These Terms are governed by the laws of the state in which CTX Partners, LLC is organized, without regard to conflict-of-law principles, except where superseded by applicable federal law (including the Telephone Consumer Protection Act as it relates to our SMS program).

9. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with a revised effective date. Continued use of our website or SMS program after changes are posted constitutes acceptance of the updated Terms.

10. Contact Us