SMS Terms & Conditions

Effective Date: August 2026

Please read these SMS Terms & Conditions carefully before participating in our SMS messaging program. By providing your mobile phone number and opting in to receive text messages from Carpenter & Associates Insuring Agency LLC, you agree to the terms set forth below.

1. Program Description
   Carpenter & Associates Insuring Agency LLC offers an SMS messaging program to provide customers with important
   updates, policy reminders, appointment confirmations, and general insurance information. Message frequency
   varies based on your account activity and preferences.
2. How to Opt In
   By providing your mobile phone number to Carpenter & Associates
   Insuring Agency LLC and agreeing to these Terms & Conditions, you consent to receive SMS text messages from us.
   You may also opt in by texting a designated keyword to our SMS number as communicated by our team.
   WWW.CARPENTERINSURING.COM
   CHESTERTOWN (518)494-8691
   SCHROON LAKE (518)351-0006
   NORTH CREEK (518)251-2100
3. How to Opt Out
   You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. After
   opting out, you will receive one final confirmation message. To re-enroll, text START to the same number. You may
   also contact our office directly to update your communication preferences.
4. Help
   For assistance, reply HELP to any message or contact our office directly using the information below:
   Carpenter & Associates Insuring Agency LLC
   Phone: (518) 494-8691
   Email: info@carpenterinsuring.com
5. Message and Data Rates
   Message and data rates may apply. These charges are billed by and payable to your mobile service provider.
   Carpenter & Associates Insuring Agency LLC is not responsible for any charges incurred from your wireless carrier.
   WWW.CARPENTERINSURING.COM
   CHESTERTOWN (518)494-8691
   SCHROON LAKE (518)351-0006
   NORTH CREEK (518)251-2100
6. Message Frequency
   Message frequency varies. You may receive messages related to any of the following:
   ● Policy renewal reminders
   ● Payment notifications
   ● Appointment confirmations
   ● Important coverage updates
   ● General agency communications
7. Supported Carriers
   SMS messaging is available through most major U.S. wireless carriers. Carpenter & Associates Insuring Agency LLC
   is not liable for delayed or undelivered messages due to carrier restrictions or technical issues beyond our control.
8. Privacy Policy
   We respect your privacy. Your mobile phone number and personal information will not be sold, shared, or rented to
   third parties for marketing purposes. Your information may be shared
   our messaging platform provider solely for the purpose of delivering
   communications. Please review our full Privacy Policy for additional details.
   with
   SMS
   WWW.CARPENTERINSURING.COM
   CHESTERTOWN (518)494-8691
   SCHROON LAKE (518)351-0006
   NORTH CREEK (518)251-2100
9. Changes to Terms
   Carpenter & Associates Insuring Agency LLC reserves the right to modify these Terms & Conditions at any time.
   Continued participation in the SMS program constitutes acceptance of any updated terms. We will make reasonable
   efforts to notify you of material changes.
10. Contact Us
    If you have any questions about these SMS Terms & Conditions, please get in touch with us using the information
    below:
    Carpenter & Associates Insuring Agency LLC
    Chestertown, NY
    Phone: (518) 494-8691
    Email Info@carpenterinsuring.com
    Carpenter & Associates Insuring Agency LLC | SMS Terms & Conditions | Effective August 2026 | Page 1