Terms and Conditions

Effective Date: January 15, 2025

These Terms and Conditions (“Terms”) govern your access to and use of the website, services, and communications provided by USTX Traders INC doing business as Mercato Trend (“Mercato Trend,” “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, please do not use our website or services.

1. Company Information

Legal Entity: USTX Traders INC
DBA: Mercato Trend
Address: 12808 West Airport Blvd, STE 303C, Sugar Land, TX 77478
Email: info@mercatotrends.com

2. Scope of Services

Mercato Trend provides marketing, customer education, lead generation, and enrollment assistance services for products including but not limited to:

Life Insurance
Health Insurance
Annuities
Auto / Motor Vehicle Insurance
Residential Energy Services
Commercial Energy Solutions
Telecom / Internet Services

We act as a marketing and enrollment facilitator and do not guarantee provider approval, pricing, savings, availability, or acceptance by any carrier or service provider.

All plans and services remain subject to provider rules, underwriting standards, eligibility requirements, and applicable laws.

3. Eligibility

To use our services, you must:

Be at least 18 years old
Be legally capable of entering binding agreements
Provide truthful and accurate information

By using our services, you represent that you meet these requirements.

4. No Professional Advice Disclaimer

Information provided through our website, advertisements, representatives, or communications is for general informational purposes only.

Nothing provided by Mercato Trend constitutes:

Legal advice
Tax advice
Financial advice
Investment advice

Customers should carefully review provider documents and consult qualified professionals where appropriate.

5. Enrollment and Plan Disclosures

All enrollments and applications are subject to:

Carrier or provider approval
Accurate and complete customer information
Applicable state and federal laws
Provider underwriting and eligibility standards

Mercato Trend does not control final premiums, rates, coverage terms, plan acceptance, or service availability.

Customers are solely responsible for reviewing all disclosures and provider documents before enrollment.

6. Customer Responsibilities

By using our services, you agree to:

Provide accurate, truthful, and complete information
Notify us of material changes affecting enrollment
Review all disclosures and plan documents
Comply with all laws and regulations

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

7. Communications and Consent

By submitting your information or interacting with Mercato Trend, you consent to receive communications by:

Phone calls
Text messages
Emails
Automated or prerecorded messages where legally permitted
Other electronic communications

These communications may relate to:

Marketing offers
Enrollment assistance
Appointment reminders
Customer support
Service updates

Message and data rates may apply. Consent is not a condition of purchase where prohibited by law.

You may opt out of non-essential communications at any time.

8. SMS Terms and Conditions

If you consent to receive SMS from USTX Traders INC / Mercato Trend, you agree to receive customer care and marketing text messages from us.

Message Types: Promotional offers, reminders, customer support, enrollment updates
Message Frequency: Messaging frequency may vary
Opt-Out: Reply STOP to unsubscribe
Help: Reply HELP for assistance
Rates: Message and data rates may apply depending on your mobile carrier

Please review our Privacy Policy and these Terms for additional information.

9. 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.

10. Intellectual Property

All website content including text, graphics, branding, logos, designs, layouts, and materials is the property of USTX Traders INC / Mercato Trend or its licensors and is protected by intellectual property laws.

You may not copy, reproduce, distribute, modify, or exploit any content without prior written permission.

11. Third-Party Providers and Links

Our website or services may reference third-party providers, carriers, vendors, or external websites.

Mercato Trend is not responsible for the content, products, policies, pricing, or practices of third parties. Use of third-party services is at your own risk and subject to their own terms.

12. Limitation of Liability

To the fullest extent permitted by law, Mercato Trend shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

Use or inability to use our website or services
Provider decisions or enrollment outcomes
Errors, delays, interruptions, or outages
Actions or omissions of third-party providers

13. Indemnification

You agree to indemnify and hold harmless USTX Traders INC, Mercato Trend, its officers, employees, contractors, agents, and affiliates from any claims, damages, liabilities, losses, costs, or expenses arising from:

Your misuse of services
Violation of these Terms
Fraudulent or inaccurate information you provide

14. Service Modifications and Termination

We reserve the right to modify, suspend, restrict, or discontinue any portion of our website or services at any time without notice.

We may terminate access if these Terms are violated or if required by law or regulation.

15. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

16. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall first be attempted through good-faith negotiation.

If unresolved, disputes shall be subject to the exclusive jurisdiction of state or federal courts located in Texas.

17. Changes to These Terms

We reserve 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 revised Terms.

18. Contact Information

For questions regarding these Terms and Conditions, please contact:

USTX Traders INC
12808 West Airport Blvd, STE 303C
Sugar Land, TX 77478

📧 Email: contact@ustxtraders.com