Terms and Conditions

SMS Terms and Conditions

Effective Date: January 21, 2025

By opting in to receive SMS messages from Coverage by Kay LLC (“we,

” “us,

” “our”), you

agree to the following Terms and Conditions (“Terms”). These Terms apply to all SMS (text)

messages sent by Coverage by Kay LLC for the purpose of providing service-related

communications, including but not limited to appointment reminders, policy updates, account

notifications, and general customer care.

SMS Messaging Service

By providing your phone number and opting in, you consent to receive SMS messages from

Coverage by Kay LLC related to your insurance services, including:

​

​

​

​

Appointment confirmations or rescheduling

Policy reminders and renewal notices

Account and document notifications

Claims or servicing updates

Responses to client inquiries

These messages are not marketing-based unless you explicitly opt in to marketing

communications. Message and data rates may apply according to your wireless carrier’s plan.

Message Frequency

While message frequency will vary depending on your account activity, clients may receive 1–4

messages per month, or more during periods of active service or policy changes. Coverage by

Kay LLC reserves the right to modify the frequency of messages as needed to deliver essential

information.Neither Coverage by Kay LLC nor mobile carriers are responsible for delayed or undelivered

messages.

Message and Data Rates

Message and data rates may apply depending on your mobile carrier’s plan. By opting in, you

accept all charges that may be incurred through SMS communication with Coverage by Kay

LLC.

Privacy Policy

All information collected through our SMS service is handled in accordance with our Privacy

Policy, which explains your data rights under California law and how we collect, use, store, and

share personal information.

Cancellation / Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any text you

receive from us. Upon opting out, you will receive a single confirmation message and no further

messages will be sent unless you re-enroll.

Help / Customer Support

If you need assistance or have questions regarding our SMS service, reply with the word HELP

to any message. You may also contact us directly via:

​

Phone: (626) 255-3606

​

Email: support@coveragesbykay.com

User ResponsibilitiesBy opting in, you represent that you are the account holder or have the account holder’s

permission to enroll the provided phone number in our SMS service. You agree to notify us

immediately if your phone number changes or is reassigned.

Liability

Coverage by Kay LLC is not responsible for:

​

​

​

Delays in SMS delivery

Undelivered messages

Service interruptions

​

Charges incurred due to carrier fees or third-party providers

All SMS communications are provided "as is" and without warranty of any kind.

Changes to Terms

We reserve the right to update or modify these Terms at any time. Any changes will be reflected

on this page and will become effective upon posting. Continued participation in our SMS service

constitutes acceptance of the updated Terms.

Privacy Commitment

Your data will not be transferred to external organizations. We are dedicated to safeguarding

your personal information and have implemented robust measures to prevent unauthorized data

sharing.

​

​

​

Data Protection Audits:

Regular audits are conducted to ensure compliance with our data protection policies

and to identify any potential vulnerabilities.

Employee Training:

Our employees undergo comprehensive training on data protection practices to ensure they are equipped to handle your information securely.

We are committed to maintaining the confidentiality and security of your data at all times.

​

15. Contact Information

For questions or concerns regarding these Terms and Conditions, contact us at:

📧 Email: terms@coveragebykay.com
📞 Phone: (626)386-9745
📍 Address: 27200 Tourney Rd Santa Clarita CA 91355
🌐 Website: www.coveragebykay.com

By using our services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.