1. Agreement to These Terms
These Terms & Conditions ("Terms") govern your use of the website and services provided by John Silverstein Insurance Agency ("Agency," "we," "us," or "our"), located at 2625 Redwing Dr, Ste 170, Fort Collins, CO 80526. By submitting a quote request, checking any consent box on our website forms, or otherwise communicating with us, you agree to these Terms in full.
If you do not agree to these Terms, do not submit your information or check any consent boxes on our website.
2. SMS Text Messaging Program
When you provide express written consent on our quote request form, John Silverstein Insurance Agency may send you text messages (SMS/MMS) to the mobile number you provided. This section contains all required disclosures under the Telephone Consumer Protection Act (TCPA), the A2P 10DLC framework, and applicable carrier guidelines.
Program Name: John Silverstein Insurance Agency Messaging
Purpose: Insurance quotes, policy information, appointment reminders, and follow-up communications
Message Frequency: Message frequency may vary based on your inquiry. You may receive up to 4 messages per month.
Cost: Message and data rates may apply. Check with your mobile carrier for details.
To stop messages: Reply STOP to any text message at any time.
For help: Reply HELP to any text message or call (970) 416-5889.
2.1 How to Opt In
You opt in to receive text messages by checking the SMS consent box on our quote request form and providing your mobile phone number. By checking that box, you provide your express written consent as required by the TCPA.
2.2 How to Opt Out
You may opt out of receiving text messages from us at any time by replying STOP to any message we send. After receiving your STOP request, we will send one final confirmation message and you will receive no further texts from us. You may re-enroll at any time by contacting us directly.
2.3 Standard SMS Commands
| Command | What Happens |
|---|---|
| STOP | Unsubscribes you from all text messages. You will receive a final opt-out confirmation. |
| HELP | Returns contact information and program details. You can also call (970) 416-5889. |
| START or YES | Re-subscribes you to messages if you have previously opted out. |
2.4 Consent Is Not a Condition of Purchase
Your consent to receive text messages is entirely voluntary. Providing or withholding consent to receive SMS messages will not affect your ability to receive an insurance quote, purchase a policy, or obtain any other service from John Silverstein Insurance Agency.
2.5 Carrier Limitations
John Silverstein Insurance Agency is not liable for delayed or undelivered messages. Delivery of text messages is subject to effective transmission from your network operator. Message and data rates may apply depending on your plan with your mobile carrier.
2.6 Supported Carriers
Our SMS messaging program is supported by all major U.S. carriers, including AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, U.S. Cellular, and others. Carrier support may vary. We are not responsible for limitations imposed by your carrier.
2.7 Privacy of Your Phone Number
Your mobile phone number will not be shared with or sold to third parties for their marketing purposes. See our Privacy Policy for complete details on how we handle your personal information.
3. AI-Generated and Pre-Recorded Voice Calls
When you provide express written consent on our quote request form, John Silverstein Insurance Agency may contact you at the phone number you provided using AI-generated voice technology or pre-recorded messages for insurance-related purposes, including delivering quote information, appointment reminders, and follow-up communications.
Such calls are made in compliance with the Telephone Consumer Protection Act (TCPA). Your consent to receive these calls is voluntary and is not a condition of purchasing any product or service. You may withdraw your consent at any time by contacting us at (970) 416-5889 or by requesting removal during any call you receive from us.
4. Email Communications
When you provide consent to receive email communications on our quote request form, John Silverstein Insurance Agency may send you marketing emails, insurance information, and periodic newsletters at the address you provided. All marketing emails will comply with the CAN-SPAM Act and will include:
- A clear identification of John Silverstein Insurance Agency as the sender
- A valid physical postal address (2625 Redwing Dr, Ste 170, Fort Collins, CO 80526)
- A clear and conspicuous unsubscribe link
- Prompt processing of opt-out requests within 10 business days
To unsubscribe from email communications at any time, click the unsubscribe link in any email we send you or contact us directly at (970) 416-5889.
5. Use of Our Website
This website is provided for informational purposes and to facilitate contact with John Silverstein Insurance Agency. You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:
- Transmit any unsolicited or unauthorized advertising or promotional material
- Attempt to gain unauthorized access to any part of the website
- Use the website in any way that could damage, disable, or impair its operation
- Submit false or misleading information in any form on this website
6. Insurance Information and Quotes
Information provided on this website is for general informational purposes only and does not constitute an offer to sell or a solicitation to buy any insurance product. All quotes are estimates only and are subject to underwriting approval. Coverage terms, conditions, exclusions, and premium amounts are determined at the time a policy is issued.
John Silverstein is a licensed insurance agent in the State of Colorado. License information is available upon request.
7. Limitation of Liability
To the fullest extent permitted by applicable law, John Silverstein Insurance Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on information contained herein. Our total liability for any claim arising from these Terms shall not exceed the amount you have paid us, if any, in the three months preceding the claim.
8. Changes to These Terms
We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of our website or services after any changes constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.
9. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Larimer County, Colorado.
10. Contact Us
If you have questions about these Terms, our SMS messaging program, or your consent preferences, please contact us:
John Silverstein Insurance Agency
2625 Redwing Dr, Ste 170, Fort Collins, CO 80526
Phone: (970) 416-5889
Hours: Monday – Friday, 8:00am – 5:00pm MT
See also: Privacy Policy