SMS Consent & Opt-In Disclosure

1. Who Sends Messages

SMS text messages are sent by licensed insurance agents who use the InsuraCentral platform to manage their client communications. Messages are sent on behalf of individual agents or their insurance agencies through the InsuraCentral CRM system. Each agent or agency is independently licensed and operates under their own business entity.

2. How Consumers Provide Consent (Call to Action)

End users (consumers, insurance leads, and clients) provide consent to receive SMS messages through the InsuraCentral platform via one or more of the following methods:

2.1. Direct Agent Interaction (Verbal / Written Consent)

When a consumer contacts a licensed insurance agent for a quote, policy review, or consultation, the agent collects the consumer's phone number and obtains explicit consent to send SMS messages. The agent reads or presents the following disclosure:

Agents are required to document this consent in the InsuraCentral CRM before sending any messages.

2.2. Web Forms and Quote Requests

When consumers submit a quote request, contact form, or application through an agent's website or landing page, they provide their phone number along with an explicit SMS consent checkbox. The checkbox is unchecked by default and includes the following language:

2.3. Lead Vendor Consent

Some leads are obtained through licensed lead vendors who have already obtained prior express written consent from the consumer to be contacted about insurance products via SMS. The lead vendor's consent form includes disclosure that the consumer may receive text messages from insurance agents and agencies using CRM platforms such as InsuraCentral. Agents using vendor-sourced leads must verify that proper consent documentation exists before messaging.

2.4. CRM In-App Consent Confirmation

Before an insurance agent can send an SMS message to a contact through InsuraCentral, the CRM system requires the agent to confirm that the recipient has provided consent to receive text messages. This consent confirmation is logged and stored in the InsuraCentral system as part of the contact's record.

3. Types of Messages Sent

Messages sent through the InsuraCentral platform include:

• Appointment reminders and confirmations
• Policy renewal notices and updates
• Quote and application follow-ups
• Payment reminders
• Service-related communications and updates
• Birthday and anniversary greetings

4. Message Frequency

Message frequency varies based on the consumer's relationship with their insurance agent and the services requested. Consumers can expect to receive between 1 and 10 messages per month depending on their account activity, upcoming appointments, and policy status. Message and data rates may apply depending on your mobile carrier and plan.

5. How to Opt Out

You can opt out of receiving SMS messages at any time by:

• Replying STOP to any message you receive
• Replying UNSUBSCRIBE, CANCEL, END, or QUIT
• Contacting your insurance agent directly
• Emailing us at support@insuracentral.com

After opting out, you will receive a one-time confirmation message: "You have been unsubscribed. You will not receive any more messages from this insurance agent. Reply START to resubscribe."

6. How to Get Help

For help with SMS messaging, reply HELP to any message or contact us at support@insuracentral.com. You will receive a reply: "InsuraCentral insurance messaging. For help, visit insuracentral.com or contact your insurance agent. Reply STOP to unsubscribe. Msg & data rates may apply."

7. Data Protection and Privacy

InsuraCentral is committed to protecting your personal information:

• We do not sell, share, or transfer phone numbers or mobile information to third parties for marketing or promotional purposes.
• Mobile information collected as part of SMS opt-in will never be shared with or sold to third parties or affiliates for marketing or promotional purposes.
• Phone numbers are used solely for facilitating communication between insurance agents and their clients through the InsuraCentral platform.
• All data is encrypted in transit (TLS 1.3) and at rest (AES-256).

For complete details, see our Privacy Policy and Terms and Conditions.

8. Sample Messages

Examples of messages consumers may receive through the InsuraCentral platform:

9. Contact Information