SMS Terms & Conditions

Hoskins Financial SMS Terms & Conditions

Effective Date: October 12, 2026

These SMS Terms & Conditions govern text-message communications between Hoskins Financial and customers, prospective customers, and other individuals who communicate with or consent to receive text messages from Hoskins Financial.

By initiating an SMS conversation with Hoskins Financial or otherwise providing consent to receive SMS communications, you agree to these SMS Terms & Conditions as applicable to the communications you request or authorize.

About Our SMS Communications

Hoskins Financial is an independent insurance brokerage. SMS communications may be used to communicate with customers and prospective customers regarding insurance-related inquiries, requested information, appointments, customer service, existing insurance coverage, applications, enrollment matters, policy servicing, reminders, follow-up communications, and other communications that the recipient has requested or agreed to receive.

Hoskins Financial does not use purchased lists of mobile telephone numbers to send unsolicited SMS messages.

Consent to Receive SMS Messages

Hoskins Financial sends SMS communications to individuals who initiate text-message communications with us or who otherwise provide appropriate consent to receive SMS communications.

When you initiate a text-message conversation with Hoskins Financial, we may respond to your inquiry and communicate with you as reasonably necessary concerning the subject of that conversation.

Initiating a text-message conversation does not, by itself, constitute unlimited consent to receive unrelated recurring promotional or marketing text messages.

Where additional consent is required for recurring or marketing-oriented SMS communications, Hoskins Financial will obtain appropriate consent before sending those messages.

Consent to receive SMS messages is not a condition of purchasing any insurance product or service.

Types of Messages

Depending upon your relationship and interactions with Hoskins Financial, SMS communications may include:

Message Frequency

Message frequency varies.

The number and frequency of SMS messages you receive will depend upon your interactions with Hoskins Financial, the communications you request or consent to receive, and the services being provided.

Message and Data Rates

Message and data rates may apply.

Your mobile carrier’s standard messaging and data charges may apply to messages sent or received in connection with Hoskins Financial SMS communications.

Hoskins Financial does not determine or control charges imposed by your mobile carrier.

How to Opt Out

You may opt out of SMS communications from Hoskins Financial at any time by replying:

STOP

After you submit an opt-out request, you may receive a confirmation message acknowledging that you have been unsubscribed from SMS communications.

After opting out, Hoskins Financial will not send additional SMS messages to that number except as permitted by applicable law or if you subsequently provide consent to receive SMS messages again.

Opting out of SMS does not prevent you from communicating with Hoskins Financial by telephone, email, mail, or other available methods.

Help and Support

For assistance with SMS communications, reply:

HELP

You may also contact Hoskins Financial through the contact information provided on our website.

Privacy and Mobile Information

Hoskins Financial respects the privacy of your mobile information.

We do not sell or share your SMS opt-in data or personal information with third parties for marketing purposes.

Mobile telephone numbers, SMS consent, and SMS opt-in information will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

Information may be provided to telecommunications carriers, messaging platforms, and technology service providers solely as necessary to transmit and manage messages on behalf of Hoskins Financial.

For additional information concerning how Hoskins Financial collects, uses, and protects information, please review our Privacy Policy at:

www.hoskinsfinancial.com/privacy-policy/

Carrier and Delivery Disclaimer

SMS delivery is subject to effective transmission by your mobile carrier and other telecommunications providers.

Wireless carriers are not liable for delayed or undelivered messages.

Hoskins Financial cannot guarantee that every SMS message will be delivered or received within a particular period of time.

Changes to These SMS Terms & Conditions

Hoskins Financial may update these SMS Terms & Conditions periodically to reflect changes in our messaging practices, services, technology, legal requirements, or regulatory requirements.

When these terms are updated, the Effective Date shown at the top of this page may also be updated.

Contact Hoskins Financial

Questions regarding these SMS Terms & Conditions may be directed to Hoskins Financial through the contact information provided on our website:

Hoskins Financial

Website: www.hoskinsfinancial.com