‍ Cal Oak Insurance Agency LLC may offer SMS/text messaging to individuals who voluntarily provide a mobile telephone number and consent to receive text messages.

Depending upon the consent you provide, messages may include:

Non-Marketing Messages

• ‍Responses to insurance inquiries

• Requested insurance quote communications

• Application updates

• Policy-related communications

• Appointment reminders

• Renewal reminders and follow-ups

• Customer service communications

• Other communications related to insurance products or services you requested or an existing business relationship ‍

Marketing Messages ‍

• Insurance product and service information

• Promotional communications

• Policy review opportunities

• ‍Cross-selling opportunities

• Home and auto or other insurance bundle opportunities

• Other insurance-related marketing messages from Cal Oak Insurance Agency LLC

‍ ‍Consent

You will receive SMS/text messages from Cal Oak only when permitted by applicable law and consistent with the consent you provide.

Marketing SMS consent is voluntary and is not a condition of purchasing any goods or services.

Where separate marketing and non-marketing SMS consent options are presented, selecting one option does not automatically constitute consent to the other.

Message Frequency

Message frequency varies depending upon your interaction with Cal Oak, your insurance needs, and the type of messages you have agreed to receive.

Message and Data Rates

Message and data rates may apply.

Your wireless carrier’s message and data rates may apply to messages sent and received.

Opting Out — STOP

You may cancel SMS/text messages at any time by replying STOP to a message from Cal Oak.

After you send STOP, you may receive a confirmation message indicating that you have been unsubscribed. After your opt-out has been processed, we will discontinue messages covered by that opt-out unless you subsequently provide new consent or applicable law otherwise permits the communication.

Help — HELP

For assistance with our SMS program, reply HELP to a Cal Oak text message or contact Cal Oak Insurance Agency LLC using the contact information below.

Supported Carriers

SMS availability may depend upon your wireless carrier, device, service plan, and location. Wireless carriers do not guarantee message delivery.

Carriers are not liable for any delayed or undelivered messages.

Mobile Privacy

Cal Oak does not sell, rent, or share mobile telephone numbers or SMS opt-in data and consent with third parties or affiliates for their own marketing or promotional purposes.

For additional information regarding how we collect, use, disclose, and protect personal information, please review our Privacy Policy.

6. No Guarantee of Electronic Delivery

Electronic communications may be delayed, filtered, blocked, intercepted, or otherwise fail to reach their intended recipient.

If you have an urgent insurance matter, including a coverage question, cancellation issue, claim, or request to bind or modify coverage, do not rely solely upon a website submission, email, or text message.

Contact Cal Oak directly and obtain confirmation that your request has been received and completed.

7. No Coverage Changes by Website, Email, or Text Alone

Requests submitted through the website, email, voicemail, or SMS/text message do not automatically bind, modify, add, cancel, or reinstate insurance coverage.

Coverage changes are effective only when confirmed by an authorized representative and/or insurance carrier in accordance with applicable policy and underwriting requirements

8. Intellectual Property‍ ‍

Unless otherwise indicated, website content owned by Cal Oak, including text, graphics, branding, design elements, and other original content, is protected by applicable intellectual property laws.

Nothing in these Terms grants permission to reproduce or commercially use Cal Oak-owned website content without authorization.

‍Third-party names, logos, trademarks, and materials remain the property of their respective owners.

9. Third-Party Services and Links

Our website may contain links to or integrations with third-party websites, insurance companies, technology providers, or other services.

Cal Oak does not control and is not responsible for the availability, content, privacy practices, security, or terms of third-party websites or services.

10. Disclaimer

We strive to provide accurate and useful information, but website content is provided for general informational purposes and may not reflect every coverage option, underwriting requirement, policy provision, or regulatory change.

Actual insurance coverage is governed by the applicable insurance policy, endorsements, declarations, exclusions, and terms issued by the insurance carrier.

In the event of any conflict between information presented on this website and an insurance policy, the terms of the applicable insurance policy control.

11. Limitation of Liability

To the extent permitted by applicable law, Cal Oak Insurance Agency LLC will not be liable for losses arising solely from reliance upon general website information or from interruptions, delays, errors, or failures in website or electronic communications.

Nothing in these Terms is intended to waive or limit any right or liability that cannot legally be waived or limited.

12. Privacy

Use of our website and services is also subject to our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

13. Changes to These Terms

We may update these Terms periodically to reflect changes in our services, technology, business practices, or legal requirements.

Changes will be reflected by updating the “Last Updated” date. Continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

14. Governing Law

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

15. Contact Information

‍ For questions regarding these Terms or the Cal Oak SMS Messaging Program, contact:

Cal Oak Insurance Agency LLC
Thousand Oaks, California
Email: service@caloakins.com
Phone: 805.909.4554

Website: CalOakIns.com