Terms and Conditions

Effective Date: January 15th 2025

These Terms and Conditions (“Terms”) govern your access to and use of the website, services, and communications provided by Reels Studio INC, doing business as Mercato Trends (“Mercato Trends,” “we,” “us,” or “our”). By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree, you should not use our website or services.

1. Company Information

Legal Entity: Reels Studio INC
DBA: Mercato Trends
Address: 12808 West Airport Blvd, Sugar Land, TX 77478
Email: info@mercatotrends.com

2. Scope of Services

Mercato Trends provides marketing, customer education, and enrollment services for insurance and energy plans, including but not limited to life insurance, annuities, motor vehicle insurance, residential energy, and commercial energy solutions.

We act as a marketing and enrollment facilitator and do not guarantee coverage approval, pricing, savings, or acceptance by any insurance carrier or energy provider. All plans are subject to provider terms, underwriting guidelines, eligibility requirements, and applicable laws.

3. Eligibility

You must be at least 18 years of age and legally capable of entering into binding agreements to use our services. By using our website or engaging with our representatives, you confirm that you meet these requirements.

4. No Professional Advice Disclaimer

Information provided through our website, marketing materials, representatives, or communications is for general informational purposes only. Nothing provided by Mercato Trends constitutes legal, tax, financial, or investment advice. Customers are encouraged to review plan documents carefully and consult qualified professionals where appropriate.

5. Enrollment and Plan Disclosures

All enrollments are subject to:

Carrier or provider approval
Accurate and complete information provided by the customer
Applicable state and federal regulations

Mercato Trends does not control final plan terms, premiums, rates, coverage decisions, or service availability. Customers are responsible for reviewing and understanding all plan documents prior to enrollment.

6. Customer Responsibilities

By using our services, you agree to:

Provide accurate, truthful, and complete information
Notify us of any changes that may affect your enrollment
Review all disclosures, terms, and policy documents
Comply with all applicable laws and regulations

Providing false or misleading information may result in denial, cancellation, or termination of services.

7. Communications and Consent

By submitting your information or engaging with Mercato Trends, you consent to receive communications via phone calls, text messages, emails, and other electronic means related to marketing, enrollment assistance, and service updates. Message and data rates may apply. You may opt out of non-essential communications at any time.

8. Privacy and Data Use

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information. By using our services, you acknowledge and agree to our Privacy Policy.

9. Intellectual Property

All website content, including text, graphics, logos, designs, and materials, is the property of Reels Studio INC DBA Mercato Trends or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or modify any content without prior written consent.

10. Third-Party Providers and Links

Our website and services may reference or link to third-party insurance carriers, energy providers, or external websites. Mercato Trends is not responsible for the content, practices, or policies of third parties. Engagement with third-party services is at your own risk and subject to their terms.

11. Limitation of Liability

To the fullest extent permitted by law, Mercato Trends shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

Use or inability to use our website or services
Enrollment decisions or provider outcomes
Errors, delays, or service interruptions
Actions or decisions of third-party providers

12. Indemnification

You agree to indemnify and hold harmless Reels Studio INC DBA Mercato Trends, its officers, employees, agents, and partners from any claims, damages, liabilities, costs, or expenses arising from your use of our services, violation of these Terms, or misuse of information provided.

13. Service Modifications and Termination

We reserve the right to modify, suspend, or discontinue any part of our website or services at any time without notice. We may also restrict or terminate access if these Terms are violated or if required by law or regulation.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

15. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through good-faith negotiation. If unresolved, disputes shall be subject to the exclusive jurisdiction of the state and federal courts located in Texas.

16. Changes to These Terms

Mercato Trends reserves the right to update or modify these Terms at any time. Updated versions will be posted on this page with a revised effective date. Continued use of the website or services constitutes acceptance of the updated Terms.

17. Contact Information

For questions regarding these Terms and Conditions, please contact us:

Email: info@mercatotrends.com
Address: 12808 West Airport Blvd, Sugar Land, TX 77478