📜 Cochran Insurance Group Terms of Service Effective Date: September 24, 2025 Last Updated: September 24, 2025

These Terms of Service (“Terms”) govern your access to and use of the services provided by Cochran Insurance Group (“we,” “our,” or “us”), including but not limited to our website, communications, and automated messaging services (A2P), such as SMS text messages. By using our services, you agree to these Terms and acknowledge our Privacy Policy.

✅ Use of Services You agree to use our services only for lawful purposes and in accordance with these Terms. You must not:

Misrepresent your identity or provide false information

Attempt to gain unauthorized access to our systems or data

Use our services to transmit unlawful, abusive, or unsolicited content

We reserve the right to suspend or terminate access to our services for violations of these Terms.

📲 SMS Messaging & A2P Compliance By providing your phone number and opting in, you consent to receive automated text messages from Cochran Insurance Group. These messages may include:

Coverage updates and benefit check-ins

Service alerts and follow-ups

Message frequency may vary. Standard message and data rates may apply. You may opt out at any time by replying “STOP.” For help, reply “HELP.”

We comply with A2P 10DLC regulations, including:

Consent Management: Messages are sent only to users who have explicitly opted in

Content Transparency: Messages are relevant to your Medicare-related services

Secure Routing: Messaging is delivered through registered, verified channels

🔒 Accountability & Security We implement safeguards to protect your personal information and maintain service integrity. You are responsible for maintaining the confidentiality of any login credentials or account access.

👥 Third-Party Services We may use third-party vendors to support our operations, including messaging, CRM, and compliance services. These vendors are contractually obligated to protect your data and comply with applicable laws.

Our website may contain links to third-party sites (e.g., Medicare.gov). We are not responsible for their content or privacy practices.

⚖️ Limitation of Liability To the maximum extent permitted by law, Cochran Insurance Group shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services, including delays or failures in message delivery.

📄 Modifications to Terms We may update these Terms from time to time. Changes will be posted on this page with a revised effective date. Continued use of our services after changes are posted constitutes acceptance of the updated Terms.

🛑 Termination We reserve the right to terminate or suspend access to our services at any time, with or without notice, for any reason, including violation of these Terms or applicable laws.