Terms of Service

1. Acceptance of Terms

By accessing or using the services provided by [COMPANY NAME] ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Business Address: [BUSINESS ADDRESS]
Contact Email: [CONTACT EMAIL]
Contact Phone: [PHONE NUMBER]

2. Description of Services

[COMPANY NAME] provides health insurance lead generation and related services to insurance agencies and individual agents. Our services include lead delivery, predictive scoring, and marketing communications via SMS, email, and phone calls.

3. SMS Marketing Terms & Conditions

Program Description

By opting in to our SMS program, you agree to receive promotional and informational text messages from [COMPANY NAME] about health insurance products, quotes, enrollment periods, and related services. This program allows us to send you important updates and offers via text message to the mobile number you provided.

Consent to Receive Text Messages

By providing your mobile phone number and checking the SMS consent checkbox on our forms, you expressly consent to receive recurring promotional and informational text messages from [COMPANY NAME] and our authorized partners. You understand that:

• Consent is not a condition of purchase or use of our services
• You may receive messages from [COMPANY NAME] or our authorized insurance agency partners
• Your consent applies to the specific mobile number you provided
• Standard message and data rates may apply from your carrier

Message Frequency

Message frequency varies and depends on your activity and the services you request. You may receive up to 10 messages per month, with higher frequency during open enrollment periods or when you have active quote requests. We respect your time and aim to provide valuable information without excessive messaging.

Message and Data Rates

Standard message and data rates may apply according to your mobile carrier's plan. Message and data rates depend on your carrier and plan. You are responsible for all charges from your mobile carrier. We do not charge for our SMS messages, but your carrier may charge for receiving text messages.

Opt-Out / Unsubscribe Instructions

You can opt out of receiving text messages at any time. Your options include:

• Reply STOP: Text STOP, UNSUBSCRIBE,CANCEL, END, or QUIT to any message you receive from us
• Email: Send your opt-out request to [CONTACT EMAIL]
• Phone: Call us at [PHONE NUMBER]
• Mail: Send a written request to [BUSINESS ADDRESS]

After you opt out, you will receive one final confirmation message acknowledging your unsubscribe request. Please allow up to 10 business days for your request to be fully processed. We also recognize informal opt-out requests such as "no more messages," "leave me alone," or similar language.

Help and Support

For help or more information about our SMS program:

• Reply HELP or INFO to any text message from us
• Email us at [CONTACT EMAIL]
• Call us at [PHONE NUMBER]

Supported Carriers

Our SMS program is supported by major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, U.S. Cellular, Boost Mobile, MetroPCS, and others. If you have questions about your carrier's support, please contact your mobile service provider.

TCPA Compliance

We comply with the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule (TSR), and all applicable federal and state telecommunications laws. We only send messages to individuals who have provided express written consent. Your consent is documented and retained in accordance with legal requirements.

Privacy and Data

Your mobile number and related information will be used in accordance with our Privacy Policy. We do not sell or share your mobile number with unrelated third parties without your consent, except as required by law or as described in our Privacy Policy.

4. Phone Call Communications

By providing your phone number and consenting to receive communications, you also agree to receive phone calls from [COMPANY NAME] and our authorized insurance agency partners. These calls may include:

• Follow-up calls regarding your quote requests
• Informational calls about health insurance products and enrollment periods
• Customer service and support calls
• Promotional calls about special offers and new services

You may request to stop receiving calls at any time by informing us during a call, emailing [CONTACT EMAIL], or calling [PHONE NUMBER].

5. User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information
• Maintain the accuracy of your contact information
• Notify us promptly of any changes to your phone number or contact information
• Ensure you have authority to provide the phone number and consent
• Comply with all applicable laws and regulations

6. Intellectual Property

All content, trademarks, logos, and intellectual property displayed on our website and in our communications are the property of [COMPANY NAME] or our licensors. You may not use, reproduce, or distribute any content without our express written permission.

7. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee:

• Uninterrupted or error-free service
• Specific results from using our services
• That insurance quotes will result in policy purchases
• The accuracy or completeness of information provided by third parties

8. Limitation of Liability

To the fullest extent permitted by law, [COMPANY NAME] shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services. Our total liability shall not exceed the amount you paid for our services in the past 12 months.

9. Indemnification

You agree to indemnify and hold harmless [COMPANY NAME] and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms of Service.

10. Modification of Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of significant changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of our services after changes constitute acceptance of the modified terms.

11. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these Terms of Service. You may terminate your relationship with us at any time by opting out of communications and ceasing use of our services.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of [STATE], without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of [STATE].

13. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14. Contact Information

If you have any questions about these Terms of Service or our SMS program, please contact us:

15. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and [COMPANY NAME] regarding the use of our services.