Effective Date: July 15, 2026
 

These SMS Terms of Service govern the text-messaging program offered by Tim Proctor Insurance Agency, also doing business as Covered California Certified Agent (“we,” “us,” or “our”).

By providing your mobile telephone number and affirmatively opting in to receive text messages, you agree to these SMS Terms of Service.

 

1. SMS Program Description

Our SMS program is used to communicate with individuals who have requested information or assistance from us.

Messages may relate to:

• Health-insurance inquiries

• Requested insurance quotes or plan information

• Appointment scheduling and reminders

• Application and enrollment assistance

• Requests for documents or information

• Application-status updates

• Customer-service communications

• Account, coverage, renewal, or policy-related updates

• Follow-up communications related to services you requested

We will only send messages that are reasonably related to your inquiry, customer relationship, or the consent you provided.

 

2. How You Provide Consent

You may opt in to receive text messages by:

• Selecting an unchecked SMS consent checkbox on one of our website forms

• Completing and submitting a form that clearly includes SMS consent language

• Providing written consent through another documented method

• Initiating a text conversation with us when the applicable disclosure is provided

• Providing verbal consent when properly documented, where permitted

Your consent applies only to the telephone number you provide.

Consent to receive SMS messages is voluntary and is not a condition of purchasing any product or service.

 

3. Message Frequency

Message frequency varies based on your inquiry, requested services, application status, appointments, and interactions with us.

You may receive multiple messages during periods when we are assisting with an active inquiry, quote, application, enrollment, renewal, or customer-service matter.

 

4. Message and Data Rates

Message and data rates may apply.

Your wireless carrier’s standard messaging, data, and other charges may apply to messages that you send or receive. Contact your wireless carrier for information regarding your mobile plan.

 

5. Opting Out

You may cancel SMS messages at any time by replying: STOP

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You may also use other commonly recognized opt-out commands, including:

CANCEL, END, QUIT, REVOKE, OPT OUT, or UNSUBSCRIBE

After submitting an opt-out request, you may receive one final message confirming that you have been unsubscribed. You will no longer receive SMS messages from that messaging program unless you subsequently provide consent again.

Opting out of SMS messages does not prevent us from communicating with you through other methods when permitted, such as telephone calls or email.

 

6. Help and Customer Support

For help, reply: HELP

 

You may also contact us at:

Phone: 800-771-7653
Email:  tim@coveredcaliforniacertifiedagent.com
Website: CoveredCaliforniaCertifiedAgent.com

 

7. Supported Carriers

Our SMS program may be available through participating United States wireless carriers. Wireless carriers are not responsible for the content of messages sent through our program. Carriers are not liable for delayed or undelivered messages.

Message delivery is subject to effective transmission by your wireless carrier and is outside our complete control.

 

8. Eligibility

To participate in our SMS program, you must:

• Be at least 18 years old

• Own or be authorized to use the mobile telephone number provided

• Have a text-messaging-enabled mobile device

• Use a participating wireless carrier

• Provide accurate and current contact information

By enrolling, you represent that you satisfy these requirements.

 

9. Mobile Number Changes

You agree to notify us if you stop using or no longer control the mobile number you provided. Before changing, transferring, or disconnecting your mobile number, you should reply STOP to unsubscribe from our SMS program.

You are responsible for ensuring that a subsequent owner or user of the telephone number does not receive messages intended for you.

 

10. Privacy and SMS Data Sharing

Your participation in our SMS program is governed by our [Privacy Policy].

Mobile information, telephone numbers, SMS opt-in data, and text-messaging consent will not be sold, rented, shared, transferred, or disclosed to third parties or affiliates for marketing or promotional purposes.

Text-messaging originator opt-in data and consent will not be shared with any third parties. We may disclose information to service providers that assist us in operating our communications systems, but only as necessary to provide those services and subject to appropriate confidentiality and data-protection obligations.

 

11. Insurance-Related Communications

Text messages are provided for informational and customer-service purposes. A text message does not create, bind, modify, renew, or cancel insurance coverage.

Insurance coverage is subject to the terms, conditions, eligibility requirements, enrollment rules, effective dates, and approval processes of the applicable insurance carrier, marketplace, or government program.

Do not send Social Security numbers, payment-card information, medical records, account passwords, or other highly sensitive information through SMS unless we specifically provide a secure method for doing so.

 

12. Emergency Communications

Our SMS service is not an emergency service and should not be used for urgent medical, safety, or emergency communications.

For an emergency, call 911 or contact the appropriate emergency-service provider.

 

13. Availability and Delivery

We do not guarantee that every message will be delivered, received, or delivered within a particular period.

SMS service may be affected by:

• Wireless-network availability

• Carrier filtering or restrictions

• Device compatibility

• Internet or telecommunications outages

• Incorrect or disconnected telephone numbers

• Circumstances outside our reasonable control

We are not responsible for delayed, blocked, misdirected, or undelivered messages caused by these conditions.

 

14. Changes to the SMS Program

We may modify, suspend, or discontinue all or part of our SMS program at any time.

We may also change the telephone number or short code used to operate the program. Messages sent to an outdated number may not be received.

Material changes to these SMS Terms of Service will be posted on this webpage with an updated revision date.

 

15. Changes to These Terms

We may revise these SMS Terms of Service periodically to reflect changes in our services, business practices, technology, or applicable requirements.

Your continued participation in the SMS program after updated terms become effective constitutes acceptance of the revised terms, to the extent permitted by law.

 

16. Termination

We may suspend or terminate your participation in the SMS program if:

• You violate these terms

• Your mobile number is invalid or disconnected

• Messages repeatedly cannot be delivered

• Your use of the program is abusive, fraudulent, unlawful, or disruptive

• Suspension or termination is required for legal, carrier, security, or operational reasons

You may terminate your participation at any time by replying STOP.

 

17. Limitation of Liability

To the fullest extent permitted by applicable law, Tim Proctor Insurance Agency will not be liable for losses arising from delayed, failed, blocked, intercepted, misdirected, or undelivered SMS messages or from your reliance on information transmitted through SMS.

Nothing in these terms limits any rights or remedies that cannot lawfully be limited.

 

18. Governing Law

These SMS Terms of Service are governed by the laws of the State of California, without regard to conflict-of-law principles, except where applicable federal law controls.

 

19. Contact Information

Questions regarding our SMS program or these terms may be directed to:

 

Tim Proctor Insurance Agency

10113 Alta Sierra Dr Suite 104

Grass Valley, Ca 95949

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Toll-Free Number: 800-771-7653
Email: tim@coveredcaliforniacertifiedagent.com
Website: CoveredCaliforniaCertifiedAgent.com