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Terms and Conditions

Terms and Conditions

Effective Date: July 9, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website, services, and communications provided by Reels Studio INC DBA 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, please do not use our website or services.

1. Company Information

Legal Entity: Reels Studio INC
DBA: Mercato Trends
Website: https://www.mercatotrends.com
Address: 12808 West Airport Blvd, STE 303C, Sugar Land, TX 77478
Email: info@mercatotrends.com

2. Scope of Services

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

  • Life insurance

  • Health insurance

  • Annuities

  • Auto / motor vehicle insurance

  • Residential energy services

  • Commercial energy solutions

  • Telecom, wireless, and internet services

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

All plans, services, pricing, promotions, and enrollments remain subject to provider rules, underwriting standards, eligibility requirements, service availability, 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, accurate, and complete information

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

4. No Professional Advice Disclaimer

Information provided through our website, advertisements, representatives, phone calls, emails, text messages, or other communications is for general informational purposes only.

Nothing provided by Mercato Trends constitutes:

  • Legal advice

  • Tax advice

  • Financial advice

  • Investment advice

Customers should carefully review all provider documents, plan documents, disclosures, pricing terms, and agreements before making any decision. Customers should consult qualified professionals where appropriate.

5. Enrollment and Plan Disclosures

All enrollments, applications, quotes, and service requests are subject to:

  • Carrier or provider approval

  • Accurate and complete customer information

  • Applicable state and federal laws

  • Provider underwriting and eligibility standards

  • Service availability in the customer’s location

  • Provider-specific terms, conditions, and disclosures

Mercato Trends does not control final premiums, rates, coverage terms, plan acceptance, service approval, installation availability, or provider decisions.

Customers are solely responsible for reviewing all disclosures, plan documents, provider terms, pricing, fees, and service details before enrollment or purchase.

6. Customer Responsibilities

By using our services, you agree to:

  • Provide accurate, truthful, and complete information

  • Notify us of material changes affecting enrollment, eligibility, or service availability

  • Review all disclosures, plan documents, provider documents, and service terms

  • Comply with all applicable laws and regulations

  • Use our website and services only for lawful purposes

False, incomplete, or misleading information may result in denial, cancellation, termination, non-approval, or delay of services.

7. Communications and Consent

By submitting your information, filling out a form, requesting a quote, contacting us, or interacting with Mercato Trends, you consent to receive communications from us through:

  • Phone calls

  • Text messages/SMS

  • Emails

  • Automated or prerecorded messages where legally permitted

  • Other electronic communications

These communications may relate to:

  • Customer care

  • Appointment reminders

  • Service notifications

  • Follow-up messages

  • Enrollment or application updates

  • Account notifications

  • Promotional offers

  • Marketing communications

  • 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

By providing your mobile phone number and consenting to receive SMS/text messages from Reels Studio INC DBA Mercato Trends, you agree to receive text messages from us.

Types of SMS Messages You May Receive

You may receive SMS/text messages related to:

  • Customer care messages

  • Appointment reminders

  • Follow-up messages

  • Service notifications

  • Enrollment or application updates

  • Account notifications

  • Order or service alerts

  • Customer support communications

  • Promotional or marketing messages, where permitted

Messaging Frequency

Messaging frequency may vary depending on your interaction with us, your service request, appointment status, enrollment status, or customer support needs.

Message and Data Rates

Message and data rates may apply depending on your mobile carrier and service plan.

Opt-Out Instructions

You may opt out of SMS/text messages at any time by replying STOP to any message you receive from us.

After you send STOP, we may send you a confirmation message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us unless you opt in again.

Help Instructions

For assistance, reply HELP to any message you receive from us or visit our website at:

https://www.mercatotrends.com

You may also contact us by email at:

info@mercatotrends.com

Privacy Policy and Terms

For more information about how we collect, use, and protect your information, please visit our Privacy Policy:

https://www.mercatotrends.com/privacy-policy

For these Terms and Conditions, please visit:

https://www.mercatotrends.com/terms-and-conditions

SMS Consent

SMS consent is not shared with third parties.

No mobile opt-in or text message consent will be shared with third parties or affiliates.

SMS consent, mobile numbers, and text messaging opt-in data will not be sold, rented, or shared with third parties or affiliates for marketing purposes.

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, share, retain, and protect personal information.

By using our website or services, you acknowledge and agree to our Privacy Policy.

You can review our Privacy Policy at:

https://www.mercatotrends.com/privacy-policy

10. Intellectual Property

All website content, including text, graphics, branding, logos, designs, layouts, images, videos, and materials, is the property of Reels Studio INC DBA Mercato Trends or its licensors and is protected by intellectual property laws.

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

11. Third-Party Providers and Links

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

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

12. Limitation of Liability

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

  • Use or inability to use our website or services

  • Provider decisions or enrollment outcomes

  • Service denials, cancellations, delays, or non-approvals

  • Errors, delays, interruptions, or outages

  • Actions or omissions of third-party providers

  • Inaccurate or incomplete information provided by the customer

  • Changes in pricing, promotions, plans, availability, or eligibility

13. Indemnification

You agree to indemnify and hold harmless Reels Studio INC DBA Mercato Trends, its officers, employees, contractors, agents, representatives, vendors, and affiliates from any claims, damages, liabilities, losses, costs, or expenses arising from:

  • Your misuse of our website or services

  • Your violation of these Terms

  • Fraudulent, inaccurate, false, or incomplete information you provide

  • Your violation of any law, regulation, or third-party right

14. Service Modifications and Termination

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

We may terminate or restrict access to our website or services if these Terms are violated or if required by law, regulation, carrier, provider, or compliance obligations.

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 website or services shall first be attempted through good-faith negotiation.

If unresolved, disputes shall be subject to the exclusive jurisdiction of the 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 after updated Terms are posted constitutes acceptance of the revised Terms.

18. Contact Information

For questions regarding these Terms and Conditions, please contact:

Reels Studio INC DBA Mercato Trends
12808 West Airport Blvd, STE 303C
Sugar Land, TX 77478

Email: info@mercatotrends.com
Website: https://www.mercatotrends.com

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