1. Introduction

Welcome to Dobbs. These Terms of Service (“Terms”) govern your access to and use of our website, products, and services (collectively, the “Services”). By using our Services, you agree to be bound by these Terms. If you do not agree, you may not use our Services.

2. Services Provided

Dobbs is a licensed insurance agency providing information and access to insurance services, including but not limited to Medicare Advantage, final expense insurance, group insurance, Covered California, dental insurance, and health insurance.

Dobbs also engages in digital communications, including SMS notifications, email campaigns, and advertising through various online platforms. By using our Services, you acknowledge and agree that communications may be sent to you via SMS, email, or other means as outlined in our Privacy Policy.

3. Eligibility & User Responsibilities

To use our Services, you must:

• Be at least 18 years old.
• Use the Services in compliance with all applicable laws and regulations.
• Provide accurate and complete information when signing up or submitting forms on our website.
• Not use our Services for fraudulent, unlawful, or prohibited activities.

4. SMS & Electronic Communications

By providing your phone number and opting in, you consent to receive SMS messages from Dobbs. These messages may include promotional offers, updates, and important notifications regarding our services.

4.1. Compliance with TCPA & A2P 10DLC Regulations

Dobbs complies with the Telephone Consumer Protection Act (TCPA) and A2P 10DLC requirements. By signing up for SMS communications:

• You provide explicit consent to receive text messages.
• You understand that message and data rates may apply, depending on your carrier.
• You may opt-out at any time by replying STOP to any message. After opting out, you will no longer receive further messages unless you opt-in again.

Dobbs does not send SMS messages for:

• Unsolicited marketing (without prior opt-in).
• Illegal, misleading, or fraudulent content.
• Any content that violates A2P 10DLC regulations or TCPA laws.

For assistance, you can reply HELP or contact us at support@insuracedobbss.com.

5. Privacy & Data Usage

Dobbs respects your privacy. We collect and process your information as outlined in our Privacy Policy. Your data may be used for:

• Providing and improving our Services.
• Sending marketing and transactional communications.
• Complying with legal requirements.

We do not sell your personal information to third parties. For more details, refer to our Privacy Policy.

6. Third-Party Services & Links

Our website may contain links to third-party websites or services. Dobbs is not responsible for the content, policies, or practices of these external sites.

7. Disclaimers & Limitation of Liability

Dobbs provides Services on an “as is” and “as available” basis, without warranties of any kind. We do not guarantee:

• The uninterrupted availability of our Services.
• The accuracy of information provided on our website.
• The success of insurance applications or coverage approvals.

Dobbs is not liable for:

• Any direct, indirect, incidental, or consequential damages resulting from the use of our Services.
• SMS delivery failures due to third-party providers or network issues.

8. Modifications to These Terms

Dobbs reserves the right to update these Terms at any time. Changes will be effective upon posting on this page. Continued use of our Services after changes constitutes acceptance of the revised Terms.

9. Contact Information

If you have any questions about these Terms, you can contact us at:
support@insuracedobbss.com