The rules for using this website and our text messaging program.
Effective date: October 14, 2026 · Last updated: October 14, 2026
Seguros Unidos Insurance Agency & Taxes ("Seguros Unidos," "we," "us" or "our") is the brand under which Zulma Gonzalez, a licensed insurance agent doing business as Seguros Unidos, provides insurance and tax return preparation services in the Houston, Texas area. Zulma Gonzalez holds Texas insurance agent license No. 1836404 (General Lines: Life, Accident, Health and HMO; and Property and Casualty) and Florida nonresident insurance agent license No. G311820, and her National Producer Number (NPN) is 16998198. You can verify these licenses with the Texas Department of Insurance and the Florida Department of Financial Services. You can reach us at 281-978-4668 or contact@segurosunidostx.com.
In these Terms & Conditions (the "Terms"):
These Terms apply when you use the Site or the SMS Program. They are published in Spanish and in English, and both versions have the same force; if the two versions differ, the one more favorable to you applies.
3.1 Services. We help individuals, families and businesses compare and apply for health insurance (including Marketplace plans), auto, home, flood, commercial and other insurance from the insurance companies we work with. We also prepare tax returns and file them electronically with the Internal Revenue Service ("IRS") as an Authorized IRS e-file Provider. If you need an Individual Taxpayer Identification Number (ITIN) for your return, we help you fill out Form W-7 to file with it; we are not an IRS Acceptance Agent. Zulma Gonzalez is not an attorney. She is also a notary public commissioned by the State of Texas who notarizes signatures and administers oaths, and she does not give legal advice. The Notary Public notice and fees are at segurosunidostx.com/en/notary. We also translate documents between Spanish and English. We do not provide legal advice or immigration services, and we do not tell you which documents to file with immigration authorities.
3.2 Licenses. We offer each type of insurance only in the states where we hold the required license and insurance company appointments. If you request a quote for a type of insurance that we cannot offer in your state, we will tell you and will not process the request.
3.3 Fees. Help enrolling in a Marketplace plan costs you nothing. If a Service has a fee, such as tax return preparation, we will tell you the amount before we provide it and will charge it only if you agree. For insurance, we charge only the fees that applicable law allows.
3.4 Who operates the Site. Zulma Gonzalez, doing business as Seguros Unidos, operates the Site. The Site is not HealthCare.gov, CuidadoDeSalud.gov or an IRS website, and we are not affiliated with the federal government or the Centers for Medicare & Medicaid Services (CMS).
Prices shown on the Site are estimates based on the information you enter, including an income range. The insurance company sets the premium. For Marketplace plans, the Marketplace determines your eligibility and any premium tax credit when you apply. If you receive that credit in advance to lower your monthly payment, the final amount is reconciled on your federal tax return, and you may have to repay some or all of it if your income or household turns out to be different from what you estimated.
Submitting a form does not bind any coverage. Coverage begins only when the insurance company or the Marketplace confirms it and any required first payment is made.
About health plan prices. Prices shown on the Site are illustrative. Do not send money to any insurer in response to them. You cannot obtain coverage until you complete an application for coverage and the insurer or the Marketplace confirms it. Benefit exclusions and limitations may apply; see each plan's Summary of Benefits and Coverage. Each insurer has sole financial responsibility for its own products.
5.1 Types of messages. If you consent to receive text messages from Seguros Unidos Insurance Agency & Taxes, you agree to receive SMS about your quote, application or tax return, appointment reminders, payment reminders, requests for documents we need from you, reminders about your policy renewal and your annual Marketplace consent, and answers to your questions. If you opt in through the box on the tax appointment form, your consent covers only messages about your tax appointment and your tax return, as explained in Section 7 of our Privacy Policy.
5.2 How to opt in. You may opt in by checking the optional text message box on a form on the Site, or by telling us in person or by phone that you want to receive text messages. If you text us first, we will only reply to that conversation; we will send reminders only if you agree to receive them. Consent to receive text messages is not a condition of any purchase or service.
5.3 Frequency. Message frequency varies depending on your request and your policy.
5.4 Cost. Message and data rates may apply under your mobile carrier's plan.
5.5 How to opt out. You can opt out at any time by texting STOP in reply to any message. When you text STOP, our texting system automatically stops messages to your number. You may also reply END, CANCEL, QUIT, UNSUBSCRIBE, REVOKE or OPT OUT, or let us know in any other reasonable way that makes your request clear, for example with a text such as "no more messages," by phone, by email or in person; if you opt out in any of these other ways, we will stop as soon as we can, and no later than 10 business days after you tell us. You may receive one final message confirming that you have been unsubscribed. After you opt out, we will not send you text messages unless you opt in again. If you texted STOP, text START to us (or UNSTOP) when you want to receive text messages again; until you do, we will not send you text messages.
5.6 Help. For assistance, text HELP in reply to any message, call 281-978-4668 or email contact@segurosunidostx.com. You may also see our Privacy Policy (segurosunidostx.com/en/privacy) and these Terms & Conditions (segurosunidostx.com/en/terms).
5.7 Mobile carriers. Carriers are not liable for delayed or undelivered messages.
5.8 Reminders are a courtesy. Your deadlines, payments and renewals are set by your insurance company, the Marketplace or the IRS, and they do not change if a reminder is late or does not arrive. Please do not rely solely on our text messages to meet them.
5.9 Privacy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted: Cloudflare, Google and RingCentral, which operate our email and text messages, and WhatsApp, in the cases described in our Privacy Policy, receive this information only to store or deliver it for us. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Please read our full Privacy Policy.
Please make sure that the information you enter in our forms is accurate; we use it to prepare your quote and to contact you. You may not use the Site to send anything unlawful. Provide Personal Information about other people, such as your spouse or children, only if you have the right to share it, for example because you are requesting coverage for them.
The content of the Site is general information. We provide guidance specific to your situation when we review it with you; we do not provide legal advice.
We work to keep the Site available and its information accurate, but the Site is provided "as is," and we cannot promise that it will always be available or free of errors. Plan prices come from HealthSherpa, and vehicle details come from the National Highway Traffic Safety Administration (NHTSA), the federal vehicle safety agency; this information may be inaccurate or out of date, so please review your quote with us before you apply. To the extent permitted by law, we are not responsible for losses caused solely by the Site being unavailable or by errors in that third-party information.
This Section 7 applies only to the Site. It does not change our obligations to you as your insurance agency or tax preparer, and nothing in these Terms takes away any right that the law does not allow you to waive, such as your rights under the Texas Deceptive Trade Practices-Consumer Protection Act.
These Terms are governed by the laws of the State of Texas. Nothing in these Terms limits the rights you have under the law of the state where you live, including its consumer protection and insurance laws (for example, Florida insurance law if you live in Florida).
We may update these Terms. When we do, we will post the new version on this page and update the effective date and the "Last updated" date at the top. Changes take effect on the new effective date and do not affect anything that occurred before it. A change to these Terms does not expand the types of text messages you agreed to receive; we will ask for your consent before we send you any other type.
If a court finds any part of these Terms invalid or unenforceable, that part will be limited or removed only to the extent necessary, and the rest of these Terms will remain in effect.
Seguros Unidos Insurance Agency & Taxes · Houston, TX · 281-978-4668 · contact@segurosunidostx.com
