Tu & Associates

Last Updated: 09/25/2025

Welcome to Tu & Associates. By accessing or using our website, forms, SMS services, social pages, or any services we provide (collectively, the “Services”), you agree to these Terms & Conditions (“Terms”). If you do not agree, please do not use the Services.

Official Links:

• Privacy Policy: https://www.trinhtuinsurance.com/privacy-policy
   
• Terms of Service (this page): https://www.trinhtuinsurance.com/terms
   

1) Who We Are

Tu & Associates is an independent insurance agency that helps consumers evaluate and enroll in health, Medicare, dental, vision, accident/illness, and life insurance products.

2) Eligibility & Accounts

You must be at least 18 years old (or the age of majority in your state) to use the Services. If you create an account or submit information, you agree to provide accurate, current, and complete details and to keep them updated.

3) Insurance Information & No Advice Warranty

Information on our site and in our communications is for general educational purposes only. It is not legal, tax, financial, or medical advice. Final plan availability, premiums, benefits, networks, and subsidies are determined by carriers and applicable laws and may change at any time.

4) Quotes, Enrollments & Carriers

Any quotes are estimates and not guarantees. Enrollment decisions are made by carriers and/or applicable exchanges. We are not responsible for carrier decisions, delays, network changes, or claim outcomes.

5) Your Responsibilities

You agree not to misuse the Services, interfere with their operation, or attempt to access data you’re not authorized to access. You’re responsible for the accuracy of information you submit to us.

6) Third-Party Services & Links

Our Services may link to third parties (e.g., insurance carriers, social media). We do not control, endorse, or assume responsibility for third-party content, policies, or practices.

7) Intellectual Property

All content on our website and channels (logos, text, graphics, videos, templates) is owned by Tu & Associates or our licensors and protected by law. You may not copy, distribute, or create derivative works without prior written consent.

8) SMS Terms of Service (Text Messaging)

By providing your phone number and opting in through a web form, paper form, verbal consent, or other medium, you agree to receive SMS/text messages from Tu & Associates related to our Services.

Types of Messages You May Receive

• Appointment reminders and confirmations
• Birthdays and Holidays Greetings/Wishes
• Application/enrollment updates and account notification
• Policy renewal alerts, service updates, and important notices
• Customer care and support messages
• Occasional marketing/promotional messages about relevant insurance products
   

Messaging frequency may vary.

Message and data rates may apply.

To opt out at any time, reply STOP.
For assistance, reply HELP or visit our Facebook page: https://facebook.com/tuandassociates.

Carrier Disclosures:

• Carriers are not liable for delayed or undelivered messages.
• Delivery is subject to your mobile carrier network coverage.
   

Privacy & Consent Handling:

• We may store your opt-in/opt-out and message interaction data to comply with laws and to operate the messaging program.
• See our Privacy Policy for details: https://www.trinhtuinsurance.com/privacy-policy.
• SMS consent is not shared with third parties or affiliates.
   

Example Opt-In Language (for your web forms):
“By submitting this form, you agree to receive SMS messages from Tu & Associates about appointments, account notifications, and insurance updates. Message frequency may vary. Message & data rates may apply. Reply STOP to opt out, HELP for help. Privacy Policy: https://www.trinhtuinsurance.com/privacy-policy. Terms: https://www.trinhtuinsurance.com/terms.”

9) Privacy

Your privacy is important to us. Please review our Privacy Policy for what we collect, how we use it, who we share it with, and your choices:
https://www.trinhtuinsurance.com/privacy-policy

10) Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Services will be uninterrupted or error-free.

11) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TU & ASSOCIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID US, WHICHEVER IS GREATER.

12) Indemnification

You agree to indemnify and hold Tu & Associates, its owners, agents, and employees harmless from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services or violation of these Terms.

13) Changes to These Terms

We may update these Terms at any time. The “Last Updated” date reflects the latest version. Continued use of the Services after changes indicates acceptance of the updated Terms. The current Terms are always available at:
https://www.trinhtuinsurance.com/terms

14) Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-law rules. You agree to the exclusive jurisdiction of state and federal courts located in Cook County, Illinois. (Optional: If you prefer arbitration, we can revise this clause to include binding arbitration and a class-action waiver.)

15) Contact Us

Tu & Associates
Phone: 847-600-9884
Website: https://www.trinhtuinsurance.com
Facebook: https://facebook.com/tuandassociates
Email: info@trinhtuinsurance.com