Effective Date: November 25, 2025
Luis Cortez-Avila Insurance Agency
Phone: (909) 363-1630

These terms apply to SMS/text message communications sent by Luis Cortez-Avila Insurance Agency (“we,” “us,” or “our”). By providing your mobile number and requesting insurance information or services, you consent to receive text messages from us as described below.

1. Purpose of Text Messages

We use text messaging solely to provide insurance-related services you request, which may include:

• Insurance quotes and application updates
• Appointment confirmations and reminders
• Policy changes or renewal assistance
• Billing reminders or document requests
• Customer support communications
• Follow-ups related to coverage you requested

We do not sell your phone number and do not send unrelated marketing.

2. Consent Not Required for Purchase

You may request quotes, receive service, or purchase insurance from us without being required to consent to text messaging. Consent to receive text messages is not a condition of obtaining insurance or receiving a quote.

3. Message and Data Rates

We do not charge for text messages. However, your mobile carrier’s message and data rates may apply based on your individual plan. Message frequency may vary depending on your requests and service needs.

4. Opt-Out / Stop Instructions

You may opt out of text messages at any time by replying:

STOP

After we receive your STOP request, you will receive one final confirmation message and no further messages unless you provide consent again.

5. Help and Support

For assistance with text messaging, reply:

HELP

You may also contact us directly at:

📞 (909) 363-1630

6. Privacy and Data Use

Information obtained through text messaging is used exclusively to provide insurance services you requested. We do not sell or share your information for marketing outside of the insurance process.

All information collected via text message is subject to our Privacy Policy, located at:

🔗 www.cortezinsuranceagency.com/privacy-policy

7. Supported Carriers & Service Limitations

Our texting service works with major U.S. mobile carriers; however:

• Delivery of messages is not guaranteed
• Messages may be delayed or undelivered due to carrier restrictions, network outages, blocked short codes, or device settings
• We are not responsible for delays or failures in message delivery

8. Limitations of Liability

By agreeing to receive text messages, you acknowledge that we are not liable for any losses or damages arising from:

• Delayed, failed, or undelivered messages
• Technical issues or mobile network errors
• Incorrect information provided by carriers or third-party systems
• Unauthorized access due to user negligence (e.g., unsecured devices)

Use of our texting services is at your own risk.

9. Changes to These Terms

We may update these SMS/Text Terms at any time. Updated versions will be posted on our website with a new effective date. Continued use of our texting service after changes are posted constitutes acceptance of the revised terms.