Terms of Use for SMS Messaging Service
Last Updated: June 4th, 2025
Welcome to the SMS messaging service (the “Service”) offered by Monarca Insurance Group and Multiservice Corp. (referred to as “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your use of our Service. By providing your phone number and opting into our Service, you agree to be bound by these Terms and our SMS Privacy Policy, which can be found at [Insert Link to Your SMS Privacy Policy Here – e.g., https://www.obamacareinsurancehealth.com/2024/12/20/politica-de-privacidad-para-mensajes-de-texto-sms-2/].
1. Acceptance of Terms By subscribing to or using our Service, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree with these Terms, you must not use the Service and should opt-out immediately.
2. Description of Service The Service provides users with SMS text messages which may include, but are not limited to:
- Notifications and reminders related to your inquiries or services.
- Updates on relevant products, services, or plans (e.g., health insurance, Obamacare).
- Promotional offers and information we believe may be of interest to you.
- Important alerts and service-related communications.
3. Consent to Receive Messages You consent to receive automated and non-automated SMS text messages from us to the mobile phone number you provide. Your consent is not a condition of purchasing any goods or services. You confirm that you are the subscriber to the relevant phone number or that you are the customary user of that number on a family or business plan and that you are authorized to opt-in.
4. Opt-Out Procedure You may opt-out of receiving SMS messages from us at any time by replying “STOP” to any message you receive from us. After you send the “STOP” message, we may send you one final confirmation message to confirm that you have been unsubscribed. You will no longer receive SMS messages from us after this confirmation. If you wish to join again, just sign up as you did initially, and we will start sending SMS messages to you again.
For help or information, you can reply “HELP” to any message or contact us at [Insert Customer Service Phone Number or Email Address].
5. Message Frequency Message frequency may vary depending on your interaction with us and the services you have requested or shown interest in.
6. Message and Data Rates Message and data rates may apply to any messages sent or received in connection with our Service, as provided in your mobile telephone service rate plan. We are not responsible for any such charges. Please contact your mobile telephone carrier for pricing plans and details.
7. User Conduct You agree not to use the Service for any unlawful or prohibited purpose. You agree that you will not:
- Provide any false, misleading, or inaccurate information.
- Use the Service in any way that could damage, disable, overburden, or impair the Service or interfere with any other party’s use and enjoyment of the Service.
- Attempt to gain unauthorized access to the Service.
8. Privacy Your use of the Service is also governed by our SMS Privacy Policy, which is incorporated by reference into these Terms. Please review the SMS Privacy Policy to understand our practices regarding the collection and use of your personal information.
9. Disclaimer of Warranties THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
10. Limitation of Liability TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MONARCA INSURANCE GROUP AND MULTISERVICE CORP. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; OR (C) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.
11. Changes to Terms We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on our website or by sending you an SMS message. You are advised to review these Terms periodically for any changes. Changes to these Terms are effective when they are posted. Your continued use of the Service after the posting of revised Terms means that you accept and agree to the changes.
12. Termination We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Service will immediately cease.
13. Governing Law These Terms shall be governed and construed in accordance with the laws of [Insert Jurisdiction, e.g., the State of Florida, United States], without regard to its conflict of law provisions.
14. Contact Information If you have any questions about these Terms, please contact us at:
Monarca Insurance Group and Multiservice Corp.
By using our SMS messaging service, you acknowledge that you have read, understood, and agree to these Terms of Use.
