Smart Life IQ SMS Disclosure Policy
Updated August 10th 20251. Purpose
This SMS Disclosure Policy outlines the practices of Smart Life IQ Inc., operating under the brand "Smart Life," regarding the collection, use, and disclosure of information obtained through SMS communications. The purpose of this policy is to ensure compliance with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and any relevant state laws.
2. Consent to Receive SMS Messages
By providing your mobile phone number and checking the separate consent box, you agree to receive marketing and promotional text messages (SMS) from Smart Life. These messages may include but are not limited to:
- Information regarding IUL policies and services.
- Promotional offers and campaigns.
3. Opt-In Requirements
Customers must opt-in to receive SMS messages. Opt-in is a separate and voluntary action. When providing your phone number on an online form, you must also check a separate, unchecked box to confirm your consent to receive SMS messages. This action is not required to complete the form or schedule a call. Records of consent will be maintained in accordance with applicable laws.
4. Opt-Out Mechanism
Recipients may opt-out of receiving SMS messages at any time by replying "STOP" to any SMS received or contacting us directly at +1 888 784 5557. To receive help, reply with "HELP". Upon opting out, recipients will no longer receive SMS messages unless they opt-in again.
5. Message Frequency
The number of messages received may vary. Smart Life will provide clear expectations on the frequency of messages during the opt-in process.
6. Data Privacy and Security
Smart Life is committed to protecting the privacy and security of recipients’ personal information. Information collected via SMS will not be shared with third parties or affiliates for their own marketing purposes without prior, explicit consent. Data is stored securely and used solely for the purposes disclosed.
7. Fees and Charges
Message and data rates may apply based on the recipient’s mobile carrier plan. Smart Life is not responsible for any charges incurred. Recipients should check with their mobile carrier for applicable fees.
8. Prohibited Practices
Smart Life will not send unsolicited SMS messages (SPAM). We will not use misleading language or deceptive practices in our SMS communications.
9. Contact Information
For questions or concerns regarding this policy or to opt-out of SMS communications, please contact us:
Email: agency@smartinsuranceiq.com
Phone: +1 888 805 0988
Mailing Address: 1000 Brickell Ave Ste 715-1974, Miami, FL 33131
10. Updates to the Policy
Smart Life reserves the right to update this SMS Disclosure Policy at any time. Changes will be posted on our website, and the effective date will be updated accordingly.
By opting into SMS communications, you acknowledge and agree to the terms outlined in this policy.
Revisions for Clarity and Compliance
1. Non-Conditional Consent:
"Consent to receive SMS messages is not a condition of purchasing any goods or services, or for scheduling a consultation. You can still schedule an appointment or purchase a policy without consenting to text messages."
2. Explicit Opt-in Method:
"Opt-in for SMS messages is a separate and voluntary action. When providing your phone number on an online form, you must also check a separate, unchecked box to confirm your consent to receive SMS messages. This action is not required to complete the form or schedule a call."
3. Specific Branding:
"This SMS Disclosure Policy outlines the practices of Smart Life IQ Inc., operating under the brand Smart Life".
4. Data Privacy and Third-Party Sharing:
"Information collected via SMS will not be shared with third parties or affiliates for their own marketing purposes without prior, explicit consent." This is a key requirement for TCPA compliance."
5. Help and STOP Instructions:
"To stop receiving messages at any time, reply with the keyword 'STOP'. To receive help, reply with 'HELP'. You may also contact us directly."