Last updated: April 21, 2025
AGREEMENT TO OUR LEGAL TERMS
Solid Rock Health Educators (“Company,” “we,” “us,” or “our”) is a business registered in the state of Maryland, USA, with a physical address at 1 Randall Avenue, Suite 101, Pikesville, Maryland 21208.
We manage the website located at https://www.srockhealth.com/ (the “Site”), along with any associated products and services that reference or link to these legal terms (collectively referred to as the “Services”).
You may reach us by phone at 410-486-2582 or 410-486-2595, via email at info@srockhealth.com, or through postal mail at 1 Randall Avenue, Suite 101, Pikesville, Maryland 21208, United States.
These Legal Terms form a binding agreement between you, whether acting on your own behalf or representing an organization (“you”), and Solid Rock Health Educators. By accessing or using the Services, you confirm that you have read, understood, and agreed to comply with these Legal Terms. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU ARE NOT AUTHORIZED TO USE THE SERVICES AND MUST STOP USING THEM IMMEDIATELY. We will give you advance notice of any planned changes to the Services you use. Updated Legal Terms will take effect once posted or once you are notified via email at info@srockhealth.com. Your continued use of the Services after the changes take effect indicates your acceptance of the revised terms.
The Services are designed for users who are 18 years of age or older. Individuals under 18 are not allowed to access or register for the Services.
We advise you to keep a printed copy of these Legal Terms for your personal records.
TABLE OF CONTENTS
- OUR SERVICES
- INTELLECTUAL PROPERTY RIGHTS
- USER REPRESENTATIONS
- PURCHASES AND PAYMENT
- PROHIBITED ACTIVITIES
- USER-GENERATED CONTRIBUTIONS
- CONTRIBUTION LICENSE
- GUIDELINES FOR REVIEWS
- SERVICES MANAGEMENT
- PRIVACY POLICY
- TERM AND TERMINATION
- MODIFICATIONS AND INTERRUPTIONS
- GOVERNING LAW
- DISPUTE RESOLUTION
- CORRECTIONS
- DISCLAIMER
- LIMITATIONS OR LIABILITY
- INDEMNIFICATION
- USER DATA
- ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
- SMS TEXT MESSAGING
- CONTACT US
OUR SERVICES
The information made available through the Services is not meant to be distributed to or used by any individual or organization in a jurisdiction or country where such distribution or use would violate local laws or regulations, or where doing so would require us to fulfill any registration obligations within that jurisdiction or country. Therefore, anyone who chooses to access the Services from outside our intended regions does so voluntarily and is fully responsible for ensuring their actions comply with applicable local laws.
Additionally, the Services are not designed to meet industry-specific regulatory standards such as the Health Insurance Portability and Accountability Act (HIPAA), the Federal Information Security Management Act (FISMA), or similar regulations. If your use of the Services would require compliance with such laws, you are not permitted to use them. Furthermore, the Services may not be used in any manner that would result in a violation of the Gramm-Leach-bliley Act (GLBA).
INTELLECTUAL PROPERTY RIGHTS
Our intellectual property
We either own or are licensed to use all intellectual property rights associated with our Services. This includes, but is not limited to, all source code, databases, features, software, website layouts, audio, video, written content, images, and graphics included in the Services (collectively referred to as the “Content”), along with any trademarks, service marks, and logos featured in the Services (the “Marks”).
Our Content and Marks are protected under copyright and trademark laws, as well as other applicable intellectual property and unfair competition laws and international treaties. The Content and Marks are made available through the Services on an “AS IS” basis and are intended solely for your personal, non-commercial use or for internal business purposes.
Your use of our Services
As long as you comply with these Legal Terms, including the “PROHIBITED ACTIVITIES” section below, we grant you a limited, non-exclusive, non-transferable, and revocable license to:
- Access the Services; and
- Download or print portions of the Content you are lawfully allowed to access.
Strictly for your personal, non-commercial use or for internal business purposes. Unless specifically permitted in this section or elsewhere in these Legal Terms, you are not allowed to copy, reproduce, compile, republish, upload, post, publicly display, encode, translate, transmit, distribute, sell, license, or otherwise use any part of the Services, Content, or Marks for any commercial purpose without our explicit prior written approval.
If you would like to use the Services, Content, or Marks in a way not permitted by these Legal Terms, you must send your request to: info@srockhealth.com. If we give you written permission to share, reproduce, or display any part of our Services or Content, you must clearly acknowledge us as the owner or licensee of the Services, Content, or Marks, and make sure that any copyright or proprietary notice is included or visible wherever the Content is used. We retain all rights in the Services, Content, and Marks that are not explicitly granted to you. Any violation of these intellectual property rights will be considered a serious breach of our Legal Terms, and your access to the Services will be terminated immediately.
Your submissions
Before using our Services, please carefully read this section along with the “PROHIBITED ACTIVITIES” section to understand (a) the rights you grant us and (b) your responsibilities when posting or uploading any content through the Services.
Submissions: When you voluntarily send us any questions, comments, suggestions, ideas, feedback, or other content related to the Services (“Submissions”), you agree to transfer all intellectual property rights in those Submissions to us. This means we will own those Submissions and can use and share them freely for any lawful purpose, including commercial use, without needing to acknowledge or compensate you.
Your responsibility for content you post or upload: By submitting any content through any part of the Services, you:
- Confirm that you’ve read and agree to our “PROHIBITED ACTIVITIES” section, and will not upload, send, publish, or transmit any Submission that is illegal, threatening, abusive, harassing, hateful, obscene, defamatory, discriminatory, sexually explicit, false, misleading, harmful, or otherwise inappropriate.
- To the extent allowed by law, waive any moral rights you may have in relation to the Submission;
- Guarantee that the Submission is your original work, or that you have all necessary rights and permissions to submit it and grant us the rights stated above; and
- Confirm that your Submission does not contain confidential information.
You are fully responsible for any content you submit. If we suffer any losses due to your violation of this section, infringement of someone else’s intellectual property, or breach of applicable law, you agree to cover those losses.
USER REPRESENTATIONS
By using the Services, you confirm and guarantee that: (1) you have the legal authority to enter into these Legal Terms and agree to follow them; (2) you are not considered a minor in your place of residence; (3) you will not access the Services using automated or non-human methods, such as bots or scripts; (4) you will not use the Services for any unlawful or unauthorized purposes; and (5) your use of the Services will comply with all relevant laws and regulations.
If you provide any information that is false, inaccurate, outdated, or incomplete, we reserve the right to suspend or terminate your account and deny you access to the Services—either in part or in full—now and in the future.
PURCHASES AND PAYMENT
We accept the following payment methods:
- Visa
- Mastercard
- American Express
- Discover
You agree to provide accurate, complete, and up-to-date billing and account details for all purchases made through the Services. You also agree to promptly update any changes to your account or payment details—such as your email address, payment method, or credit card expiration date—so we can process your transactions and reach you if necessary. Applicable sales tax will be added to the purchase price as determined by us. All payments must be made in U.S. dollars.
PROHIBITED ACTIVITIES
You are not permitted to access or use the Services for any purpose other than those we explicitly provide. Any commercial use of the Services is strictly limited to activities that are specifically authorized or approved by us.
USER-GENERATED CONTRIBUTIONS
The Services do not allow users to submit or publish any content.
CONTRIBUTION LICENSE
By using the Services, you and the Services agree that we may access, store, process, and utilize any personal information and data you provide in accordance with our Privacy Policy and your selected preferences or settings.
If you send us suggestions or other feedback regarding the Services, you agree that we may use and share that input for any purpose, without providing you with any compensation.
GUIDELINES FOR REVIEWS
If the Services include a section for submitting reviews or ratings, you must follow these guidelines when posting a review:
- Your review should reflect your direct experience with the individual or entity being reviewed.
- Do not use profanity or language that is abusive, racist, offensive, or hateful.
- Avoid any discriminatory content based on religion, race, gender, nationality, age, marital status, sexual orientation, or disability.
- Do not include any references to illegal activity.
- You must not be affiliated with a competitor when posting a negative review.
- Refrain from making legal judgments about the conduct of others.
- Do not post false or misleading information.
- You may not coordinate or participate in campaigns to post reviews—positive or negative.
We reserve the right to accept, reject, or remove reviews at our sole discretion. We are under no obligation to monitor or delete reviews, even if someone finds them offensive or inaccurate. Reviews do not reflect our views or those of our partners or affiliates, and we do not endorse them. We are not responsible for any review content or for any resulting claims, liabilities, or damages.
By submitting a review, you grant us a perpetual, non-exclusive, worldwide, royalty-free, fully paid, transferable, and sublicensable license to reproduce, edit, translate, transmit, display, perform, and distribute any content related to your review.
SERVICES MANAGEMENT
We reserve the right, though we are not obligated, to: (1) monitor the Services for any breaches of these Legal Terms; (2) take legal action, at our sole discretion, against anyone who violates the law or these Terms, which may include reporting the user to law enforcement; (3) restrict, limit, deny, or disable access to any of your Contributions, in whole or in part, at our sole discretion and to the extent technically possible, without prior notice; (4) remove or disable any content or files from the Services that are excessively large or place an unreasonable burden on our systems, again at our sole discretion and without notice or liability; and (5) manage the Services in a way that protects our rights and property while ensuring the Services operate effectively.
PRIVACY POLICY
We take data privacy and security seriously. Please take a moment to review our Privacy Policy. By using the Services, you agree to the terms of our Privacy Policy, which is considered a part of these Legal Terms.
TERM AND TERMINATION
These Legal Terms will remain in effect as long as you use the Services. If we suspend or terminate your account for any reason, you are prohibited from creating a new account, whether under your name, a fake or borrowed name, or the name of any third party, even if acting on behalf of that third party. In addition to suspending or terminating your account, we have the right to pursue appropriate legal actions, including civil, criminal, and injunctive remedies.
MODIFICATIONS AND INTERRUPTIONS
We reserve the right to change, modify, or remove any part of the Services at any time and for any reason at our sole discretion, without prior notice. However, we are not obligated to update any content on the Services. We also reserve the right to modify or discontinue all or parts of the Services with notice.
We cannot guarantee the continuous availability of the Services. The Services may experience interruptions, delays, or errors due to hardware, software issues, or maintenance.
GOVERNING LAW
These Legal Terms and your use of the Services are governed by the laws of the State of Maryland, without regard to its conflict of law principles, as if the agreements were made and performed entirely within Maryland.
DISPUTE RESOLUTION
Informal Negotiations
To expedite the resolution of any dispute, controversy, or claim related to these Legal Terms (each a “Dispute” and collectively, “Disputes”), both you and we agree to first attempt to resolve the issue through informal negotiations for at least thirty (30) days before pursuing arbitration. These informal negotiations will begin once one Party provides written notice to the other Party.
Binding Arbitration
If the Parties cannot resolve a Dispute through informal negotiations, the Dispute (excluding those specifically excluded below) will be resolved exclusively and finally through binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS CLAUSE, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration will be conducted under the Commercial Arbitration Rules of the American Arbitration Association (“AAA”) and, where applicable, the AAA’s Supplementary Procedures for Consumer-Related Disputes (“AAA Consumer Rules”), which can be found on the AAA website.
If, for any reason, a Dispute proceeds to court instead of arbitration, the Dispute will be initiated and handled in the state and federal courts located in Maryland, United States, and the Parties consent to, and waive any defenses of lack of personal jurisdiction in, those courts. The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) do not apply to these Legal Terms.
If this provision is found to be illegal or unenforceable, neither Party will have the right to arbitrate the portion of the Dispute that is deemed illegal or unenforceable, and that Dispute will be resolved in a court with proper jurisdiction, as outlined above. The Parties agree to submit to the personal jurisdiction of that court.
Restrictions
The Parties agree that any arbitration will be restricted to resolving the Dispute between them individually. To the maximum extent allowed by law, (a) no arbitration may be combined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated as a class action or to use class action procedures; and (c) there is no right or authority for any Dispute to be brought in a representative capacity on behalf of the public or any other individuals.
CORRECTIONS
The Services may contain information with typographical errors, inaccuracies, or omissions, such as details on descriptions, pricing, availability, and other matters. We retain the right to correct any such errors, inaccuracies, or omissions and to modify or update the information on the Services at any time, without prior notice.
DISCLAIMER
The services are provided “as-is” and “as-available.” You agree that your use of the services is at your own risk. To the fullest extent allowed by law, we disclaim all express or implied warranties related to the services and your use of them, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no representations or warranties regarding the accuracy or completeness of the service content or the content of any websites or mobile apps linked to the services, and we accept no liability for any (1) errors, inaccuracies, or mistakes in content and materials, (2) personal injury or property damage of any kind arising from your access to and use of the services, (3) unauthorized access to or use of our secure servers and/or financial information stored on them, (4) interruptions or suspensions of transmission to or from the services, (5) bugs, viruses, trojan horses, or similar issues that may be transmitted to or through the services by third parties, and/or (6) errors or omissions in any content or materials, or any loss or damage resulting from the use of content posted, transmitted, or made available through the services. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by third parties through the services, any hyperlinked websites, or any websites or mobile apps featured in banners or other advertisements. We will not be a party to or responsible for monitoring any transaction between you and third-party providers of products or services through any medium or environment. You should use your best judgment and exercise caution where appropriate.
LIMITATIONS OF LIABILITY
Under no circumstances will we, or our directors, employees, or agents, be responsible for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including but not limited to loss of profit, lost revenue, loss of data, or other damages arising from your use of the services, even if we have been informed of the potential for such damages.
INDEMNIFICATION
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising from: (1) your use of the Services; (2) a breach of these Legal Terms; (3) any violation of the representations and warranties you made in these Legal Terms; (4) your infringement of third-party rights, including, but not limited to, intellectual property rights; or (5) any harmful actions toward another user of the Services you connected with through the Services. However, we reserve the right, at your expense, to take over the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will make reasonable efforts to inform you of any claim, action, or proceeding that is subject to this indemnification once we become aware of it.
USER DATA
We will store certain data that you send to the Services to manage their performance, as well as data related to your use of the Services. While we conduct regular routine backups of data, you are solely responsible for all data you transmit or for any activities you undertake using the Services. You agree that we will not be liable for any loss or corruption of such data, and you waive any right to take action against us resulting from the loss or corruption of that data.
ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
By visiting the Services, sending us emails, and completing online forms, you are engaging in electronic communications. You agree to receive electronic communications and acknowledge that all agreements, notices, disclosures, and other communications we send to you electronically, via email or through the Services, fulfill any legal requirement for such communications to be in writing. You consent to the use of electronic signatures, contracts, orders, and other records, as well as the electronic delivery of notices, policies, and transaction records initiated or completed by us or through the Services. You waive any rights or requirements under any laws, regulations, rules, ordinances, or statutes in any jurisdiction that mandate original signatures, delivery, or retention of non-electronic records, or payments and credits through means other than electronic methods.
SMS TEXT MESSAGING
Consent for SMS Communications: Phone numbers collected for SMS purposes or SMS opt-in consent will NOT be shared with third parties or affiliates for marketing purposes.
Types of SMS Communications:
- Clients: Updates on policies, payments due, sending policy ID cards, and any policy servicing for existing accounts.
- Potential Clients: Sending requested insurance quotes for home and auto coverage.
- Standard Messaging Disclosures: Message and data rates may apply. You can opt out at any time by texting ‘STOP.’ For help, text ‘HELP’ or visit our Privacy Policy.
Message Frequency:
The frequency of messages may vary depending on the communication type. For example, you may receive up to 2 SMS messages per week about your [appointments/billing, etc.].
Example:
“Message frequency may vary. You may receive up to 2 SMS messages per week regarding your appointments or account status.”
Potential Fees for SMS Messaging:
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. Fees may differ for domestic or international messages.
Opt-In Method:
You may opt in to receive SMS messages from Solid Rock Health Educators through the following methods:
- Verbally, during a conversation
- By messaging us first
Opt-Out Method:
You can opt out of receiving SMS messages at any time by replying “STOP” to any SMS message. Alternatively, you can contact us directly to request removal from our messaging list.
Help:
If you experience any issues, reply with the keyword “HELP.” Alternatively, you can reach out to us directly at info@srockhealth.com.
Additional Options:
If you prefer not to receive SMS messages, simply do not check the SMS consent box on our forms.
CONTACT US
To address a complaint about the Services or to get more information about using the Services, please contact us.