TERMS AND CONDITIONS
Last Updated: August 2026
1. Acceptance of Terms
By accessing or using stratfordoak.org (the “Website”), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, you must refrain from using this Website.
2. Communication Consent (Email, SMS, and Phone)
By submitting an inquiry, quote request, or contact form on the Website, you expressly grant permission to Stratford Oak and its licensed agents/representatives to contact you using the contact details you provided.
- Channels: You consent to receive outreach via email, SMS/text messages, and phone calls (including auto-dialed calls, prerecorded voice messages, or automated system notifications).
- Rates & Frequency: Message and data rates may apply for SMS communications depending on your mobile carrier plan. Frequency of messages varies based on your requested services and inquiries.
- Non-Condition of Sale: Expressing consent to be contacted is not a mandatory condition for purchasing any health insurance coverage or policy through us.
- Opt-Out Instructions: You may revoke this consent at any time. Reply “STOP” to any text message to opt out of SMS communications, click the “unsubscribe” link in any promotional email, or contact us directly to update your communication preferences.
3. Scope of Services & No Medical Advice
Stratford Oak operates as a health insurance information and resource platform.
- Informational Only: All material, articles, quote tools, and insurance summaries provided on the Website are for general informational and educational purposes only. They do not constitute medical advice, diagnosis, or legal advice.
- No Guarantee of Coverage: Premium quotes, policy comparisons, and plan availability displayed on the Website are non-binding estimates. Final rates, policy terms, and coverage approvals are determined solely by the issuing health insurance carriers upon full underwriting.
4. User Responsibilities & Accuracy
When submitting requests for quotes, plan comparisons, or consultations, you agree to:
- Provide truthful, accurate, and complete contact and personal information.
- Avoid impersonating any person or entity.
- Refrain from submitting false claims or invalid phone numbers/emails, which may violate state insurance laws or telecommunications rules.
5. Third-Party Insurance Carriers
The Website may feature options from or link to third-party insurance providers, state or federal healthcare exchanges, and partners. Stratford Oak does not control, warrant, or assume liability for the products, pricing, privacy practices, or service quality of any third-party insurer.
6. Intellectual Property Rights
All content on stratfordoak.org—including text, graphics, logos, icons, software, and design elements—is the exclusive property of Stratford Oak and protected by applicable copyright, trademark, and intellectual property laws. Unlawful copying or redistribution is strictly prohibited.
7. Limitation of Liability
To the maximum extent permitted by law, Stratford Oak shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from your use of the Website, reliance on provided health insurance details, or temporary unavailability of our services.
8. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to its conflict of law principles.
9. Contact Details
For questions regarding these Terms and Conditions or to alter your communication preferences, please reach out through our site:
- Website: stratfordoak.org
- Email: support@stratfordoak.org