CCalvo InsuranceCalifornia

Terms & Conditions for Calvo Insurance Agency

Effective date: Oct 25, 2026

SMS Messaging Terms & Compliance

1. Program Description

This messaging program sends text messages to customers who have explicitly opted in to receive SMS notifications from Calvo Insurance Agency. Messages include scheduling confirmations, appointment reminders, rescheduling updates, and customer support communications. We send text messages only to people who have given us their express consent; submitting a quote request on our website does not, by itself, enroll you in text messages.

2. Cancellation Instructions

You can cancel the SMS service at any time. Simply text "STOP" to the same number that sent you messages. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, contact our office to opt in again, and we will resume sending SMS messages to you.

3. Support Information

If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or reach out directly to jcalvo@farmersagent.com or call (951) 383-3000 during business hours.

4. Carrier Liability

Carriers are not liable for delayed or undelivered messages.

5. Message & Data Rates

Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.

6. Supported Carriers

Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, and most regional carriers.

7. Age Restriction

You must be 18 years or older to participate in our SMS program.

8. Privacy Policy

For privacy-related inquiries, please refer to our Privacy Policy at calvoinsuranceagency.com/privacy

We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines, regarding the use of SMS communications.

General Terms

This website (the "Site") is owned and operated by Calvo Insurance Agency ("we" or "us"). By using the Site, you agree to be bound by these Terms & Conditions and to use the Site in accordance with these Terms & Conditions, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to services available through the Site or from Calvo Insurance Agency.

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms & Conditions. We reserve the right to change these Terms & Conditions or to impose new conditions on the use of the Site from time to time, in which case we will post the revised Terms & Conditions on this website. By continuing to use the Site after we post any such changes, you accept the Terms & Conditions, as modified.

Intellectual Property Rights

Our Limited License to You

This Site and all the materials available on the Site are the property of Calvo Insurance Agency and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal non-commercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us. Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium any material from the Site. However, you may download and/or print one copy of individual pages for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

Information You Submit

By submitting information or other material to us through the Site, such as a quote request, you confirm that the information is accurate and that you have the right to share it. We use the information you submit to respond to your request and provide our services, as described in our Privacy Policy. We do not sell your personal information.

Insurance Information

The information on this Site is general and provided for informational purposes only. It is not an insurance contract, does not change the terms of any policy, and is not legal, tax or financial advice. Coverage descriptions are summaries; actual coverage is subject to the terms, conditions, limits and exclusions of the policy issued. Submitting a quote request does not bind coverage or put a policy in effect. Availability, eligibility and pricing depend on underwriting. Calvo Insurance Agency is licensed by the California Department of Insurance, License #0L69621.

Disclaimers

Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites or the information, products, or services offered on or through the sites. The information and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose. You agree at all times to indemnify and hold harmless Calvo Insurance Agency, its affiliates, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses arising out of or related to your breach of any obligation, warranty, or representation under these Terms & Conditions.

Limitation of Liability

To the fullest extent permitted by law, Calvo Insurance Agency and its officers, employees and agents are not liable for any indirect, incidental, special or consequential damages arising out of or related to your use of the Site or the information on it.

Termination

We reserve the right to terminate or suspend your access to the Site, without notice, if we determine that you have violated these Terms & Conditions or engaged in conduct that we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it.

Governing Law

These Terms & Conditions are governed by the laws of the State of California, without regard to its conflict-of-law rules. Any dispute arising under these Terms & Conditions will be resolved in the state or federal courts located in Riverside County, California.

Language

These Terms & Conditions are available in English and Spanish. If there is any difference between the two versions, the English version controls.

Changes to These Terms & Conditions

We may update these Terms & Conditions from time to time. The latest version will always be available on this page with its effective date. For any questions regarding these Terms & Conditions, please contact us at:

By using our website and services, you consent to these Terms & Conditions.