Terms & Conditions

Terms & Conditions — SMS Messaging

By opting in to receive SMS messages from ABear Insurance ("we," "us," or "our"), including phone or text communication, you agree to the following:

1. Types of Messages
   If you consent to receive conversational, informational, and promotional SMS from ABear Insurance, you agree to receive such SMS messages from us regarding your insurance inquiries, policy updates, benefit reminders, educational content, special offers, and other relevant communications.
2. Opt‑Out and Support
   • Reply STOP to opt-out and stop receiving SMS messages.
   • Reply HELP for support or assistance with messaging or mobile support.
3. Rates & Frequency
   • Message & data rates may apply according to your mobile carrier’s plan.
   • Messaging frequency may vary based on your preferences and our business needs (for example: reminders, notifications, offer alerts).
4. Privacy and Terms
   • Your personal data and usage will be handled in accordance with our Privacy Policy.
   • Visit https://www.abearinsurance.com/privacy-policy to review our full Privacy Policy and Terms & Conditions relating to SMS messaging and other communications.
   
5. Scope & Acceptance

These Terms & Conditions (“Terms”) govern your use of the ABear Insurance website and services. By using our site or services, you agree to abide by these Terms.

   6. Service Limitations

ABear Insurance represents a limited number of carriers and plans; we don’t offer every available option in all areas.

Any guidance or quotes provided are limited to the carriers we represent.

Use of Mobile Data

By providing mobile contact information (e.g., opt-in for SMS), you expressly consent to receive communications from ABear Insurance.

We will never share or sell your mobile opt-in data.

    7. Messaging Alignment

The content of messages you receive (e.g., sample scenarios) will always match the legitimate, declared purpose (e.g., enrollment reminders, policy updates).

   8. Intellectual Property

All content, logos, and materials on the ABear site are ABear’s property and are protected by law. Unauthorized use is prohibited.

   9. Limitation of Liability

ABear Insurance is not responsible for any indirect, incidental, or consequential damages related to the use of our site or services.

   10. Modifications

We may update these Terms at any time. Updated versions will be posted online, and the “Effective Date” will be noted.

    11. Contact & Support

For any questions regarding these Terms or the Privacy Policy, please contact us at info@abearinsurance.com.