Terms of Service

 

Powerhouse Insurance Consultants LLC

Effective Date: May 7, 2025

​

 

 

1. Introduction

 

These Terms of Service (“Terms”) govern your use of the website and services offered by Powerhouse Insurance Consultants LLC (“Company”, “we”, “us”, or “our”). By accessing our site, using our services, or opting in to receive SMS communications, you agree to these Terms and our Privacy Policy.

 

 

2. SMS Messaging Program

 

Program Description:

By opting in to our SMS program via our website, forms, or verbal consent, you agree to receive text messages regarding:

 

• Insurance quotes and policy updates

• Appointment confirmations and reminders

• Support communications and important notices

 

Messages are sent only to users who have provided express written consent. Opt-in is collected through web forms with an SMS consent checkbox and timestamped records.

 

 

3. Opt-Out & Help Instructions

 

• To stop receiving SMS messages, reply “STOP” to any text we send.

• To get assistance, reply “HELP” or contact us at hello@phicco.net

• Opt-out requests are processed promptly and confirmed via text. You will not receive additional messages unless you re-subscribe.

 

 

4. Message Frequency and Fees

 

• Message frequency varies based on your interactions with us and the services you request.

• Standard message and data rates may apply. Please check with your wireless carrier for details.

• We do not charge a separate fee for SMS services.

 

 

5. Carrier Disclaimer

 

Wireless carriers are not liable for delayed or undelivered messages. Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional U.S. carriers.

 

 

6. Age Restriction

 

You must be 18 years or older to use our services or participate in our SMS program.

 

 

7. Privacy

 

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

 

We do not share SMS opt-in data or phone numbers with third parties for marketing purposes.

 

 

8. Modifications

 

We reserve the right to change these Terms at any time. When we do, we will post the revised version on our website with an updated effective date. Your continued use of the site or services constitutes acceptance of the updated Terms.

 

 

9. Intellectual Property

 

All content on our website is the property of Powerhouse Insurance Consultants LLC and protected by copyright and trademark laws. You may not use, reproduce, or distribute our content without written permission.

 

 

10. Governing Law

 

These Terms are governed by the laws of the state in which Powerhouse Insurance Consultants LLC operates. Any disputes shall be resolved through binding arbitration in that jurisdiction.

 

 

11. Contact Information

 

For any questions about these Terms or your interactions with us, please contact:

 

Powerhouse Insurance Consultants LLC

Phone: +1 719-888-3480

Email: hello@phicco.net

Website: phicco.net