Welcome to NW Insurance Pros! These Terms and Conditions govern your use of our services as an insurance agent and advisor, including but not limited to consultations, plan comparisons, and policy enrollment support. By using our Services, you agree to these Terms. If you do not agree, please refrain from using our Services.
Use of Services
Eligibility
- You must be at least [minimum age, e.g., 18] years old to use our Services.
- By using our Services, you represent and warrant that you have the legal capacity to enter into these Terms.
User Responsibilities
- You agree not to misuse the Services or use them for illegal purposes.
- You are responsible for maintaining the confidentiality of your account information.
Products and Services
Scope of Services
Advisory Role
We provide guidance on insurance plans, including but not limited to health insurance, Medicare plans, life insurance, and supplemental coverage.
Our Services do not constitute legal, tax, or financial advice. You are encouraged to consult appropriate professionals for such matters.
Independent Agent Disclosure
As an independent agent, we work with various insurance carriers to offer plan options. However, we do not represent all carriers or plans available in the market.
Recommendations are based on information provided by you and the plans available to us through contracted carriers.
No Guarantee of Coverage
We do not guarantee plan acceptance or coverage. Final approval and underwriting decisions are made by the insurance carriers.
Client Responsibilities
Providing Accurate Information
- You agree to provide complete, accurate, and timely information necessary for us to assist you in evaluating and selecting insurance options.
- Failure to provide accurate information may result in delays, incorrect recommendations, or denied applications.
Decision-Making
- While we provide recommendations and plan information, the final decision regarding coverage is yours.
Intellectual Property
All content, including but not limited to text, images, logos, and trademarks, is the property of NW Insurance Pros or its licensors. Unauthorized use is prohibited.
Privacy
Your use of the Services is also governed by our [Privacy Policy]. By using the Services, you consent to the data practices described in our Privacy Policy.
Third-Party Links
Our Services may include links to third-party websites. We are not responsible for the content, policies, or practices of third parties.
Governing Law
These Terms are governed by and interpreted in accordance with the laws of [the state or Oregon). Any disputes arising from these Terms will be resolved according to the laws of that jurisdiction
Terms of Service for SMS Communications
[NW Insurance Pros] (“we,” “our,” or “us”) provides SMS communication services to keep you informed about our products, services, and updates. By opting in to receive SMS messages from [NW Insurance Pros], you agree to these Terms of Service.
1. Eligibility
You must be at least 18 years old to subscribe to our SMS communication services. By opting in, you confirm that you meet this requirement and that you are the authorized user of the mobile device used to opt-in to SMS communications.
2. Opting In to SMS Communications
By providing your phone number and agreeing to receive SMS communications:
- You consent to receive recurring automated SMS messages from [NW Insurance Pros].
- Message frequency may vary based on your preferences or the services you use.
- You understand that message and data rates may apply as determined by your mobile carrier.
3. Message Content
SMS messages may include:
- Updates about Medicare services and enrollment reminders.
- Notifications about new features, events, or promotions.
- Responses to inquiries submitted via SMS.
4. Fees and Charges
Standard message and data rates may apply to all SMS communications. These fees are determined by your mobile carrier and are your responsibility. If you are unsure about charges, please check with your carrier before opting in.
5. Opt-Out Instructions
You can opt out of SMS communications at any time by replying STOP to any text message you receive from NW Insurance Pros (i.e., “Reply STOP to opt out.”).
- Once you send STOP, you will receive a confirmation message stating:
“You have successfully opted out of SMS messages from NW Insurance Pros. You will no longer receive any further messages. After this confirmation, no further SMS messages will be sent unless you re-opt in”
6. HELP and Support Instructions
For assistance with SMS services, reply HELP to any message or contact us via:
- Email: [info@nwinsurancepros.com]
- Phone: [971-233-3637]
- Support Website: [www.nwinsurancepros.com]
When you reply HELP, you will receive a message containing support contact information and further instructions.
7. Your Responsibilities
By opting in to SMS communications, you agree to:
- Provide accurate and current contact information.
- Notify us immediately if your mobile number changes or if you no longer own the number you provided.
You acknowledge that SMS communications may not be delivered or may be delayed due to carrier issues, technical problems, or circumstances beyond our control.
8. Privacy and Data Usage
We respect your privacy. Your personal information will be handled in accordance with our Privacy Policy and used solely for the purposes of providing SMS communications.
We will not share or sell your phone number to third parties for marketing purposes.
9. Modifications to the Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting the updated terms on our website. Continued participation in SMS communications after changes are posted constitutes your acceptance of the modified Terms of Service.
10. Termination of SMS Services
We may suspend or terminate your access to SMS services at any time without notice for reasons including but not limited to:
- Violation of these Terms of Service.
- Technical issues or system failures.
- Changes to laws or regulations governing SMS communications.
11. Limitation of Liability
[NW Insurance Pros] is not responsible for any delays, delivery failures, or unauthorized access to SMS communications caused by factors beyond our control, including but not limited to carrier issues or technical problems.
To the fullest extent permitted by law, we disclaim all liability for damages arising from your participation in SMS communications.
Modifications to Terms
We reserve the right to modify these Terms at any time. Updates will be effective upon posting on our website or notification to you. Continued use of our Services constitutes acceptance of the revised Terms.
Message Frequency: The number of messages you receive will depend on your engagement with our services and interactions. Message frequency will vary
Message and Data Rates: Standard message and data rates may apply based on your mobile carrier and plan. Message and data rates may apply
Opt in: By providing your phone number and checking the checkbox you are providing us consent and opting into our text messages.
Opt-Out: You may opt out of receiving SMS communications at any time by texting “STOP”. Once you opt-out, you will no longer receive SMS messages from us.
Help Support: For assistance, text “HELP” or visit http://www.
Visit our Privacy Policy http://www.
Contact Us
If you have any questions or concerns about this Privacy Policy or our practices, please contact us at:
NW Insurance Pros
(971) 233-3637
info@nwinsurancepros.com