1. AGREEMENT TO TERMS

By accessing or using the services provided by Michael Berntsen doing business as "Insure with Mike B" ("we," "us," or "our"), including our website at insurewithmikeb.com and SMS/text messaging services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. SMS/TEXT MESSAGING TERMS

2.1 Consent to Receive Messages

By providing your mobile phone number and checking the consent boxes on our forms, you expressly consent to receive text messages from us. We offer two types of messaging programs:

Transactional Messages: These include appointment reminders, order confirmations, policy updates and renewals, insurance quotes, account notifications, and follow-up communications related to services you have requested.

Marketing Messages: These include promotional offers, discounts, new product updates, and special announcements (requires separate opt-in consent).

2.2 Message Frequency

Message frequency may vary depending on your account activity and the services you request. You may receive up to 10 messages per month. Message and data rates may apply based on your mobile carrier's plan.

2.3 Opt-Out Instructions

You may opt out of receiving text messages at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any message you receive from us. After opting out, you will receive one final confirmation message. You may also contact us directly at [email protected] or +1 (403) 651-9062 to opt out.

2.4 Help Instructions

For assistance or more information about our text messaging program, reply HELP to any message or contact us at [email protected] or +1 (403) 651-9062.

2.5 Supported Carriers

Our SMS service is available on major carriers including but not limited to Rogers, Bell, Telus, Freedom Mobile, AT&T, T-Mobile, Verizon, and Sprint. Service may not be available on all carriers.

2.6 No Mobile Device Required

You are not required to consent to receive text messages as a condition of purchasing any goods or services from us. Standard message and data rates may apply.

3. USE OF SERVICES

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

Provide false or misleading information

Use our services in any way that violates applicable federal, provincial, or local laws

Impersonate or attempt to impersonate Michael Berntsen or any employee or representative

Interfere with or disrupt our services or servers

4. INTELLECTUAL PROPERTY

All content on our website and in our communications, including text, graphics, logos, and software, is the property of Michael Berntsen or its content suppliers and is protected by Canadian and international copyright laws.

5. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Michael Berntsen shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

6. INSURANCE SERVICES DISCLAIMER

Information provided through our services is for general informational purposes only and does not constitute professional insurance advice. Insurance products and services are subject to separate terms and conditions provided by insurance carriers. We are not responsible for the terms, conditions, or coverage provided by third-party insurance carriers.

7. PRIVACY

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.

8. MODIFICATIONS TO TERMS

We reserve the right to modify these Terms of Service at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services after any modifications constitutes acceptance of the updated Terms.

9. GOVERNING LAW

These Terms of Service shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles.

10. CONTACT INFORMATION

If you have any questions about these Terms of Service, please contact us:

Michael Berntsen
Insure with Mike B
Calgary, Alberta, Canada
Email: [email protected]
Phone: +1 (403) 651-9062
Website: insurewithmikeb.com

11. ENTIRE AGREEMENT

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Michael Berntsen regarding the use of our services.