These Terms and Conditions (“Terms”) are entered into between the applicant (“Applicant”) and MSM INSURANCE AGENCY (“Agency”). By submitting your information to the Agency for the purpose of obtaining an insurance quote, you hereby agree to the following terms and conditions:

1. Insurance Credit Score Report Authorization (Soft Pull Only)

1.1 The Applicant hereby authorizes MSM INSURANCE AGENCY to obtain an insurance credit score report for underwriting and quoting purposes. This report will only be a soft pull on your credit and will not show as a hard pull indication on your credit report. This authorization complies with all applicable federal and state laws.

1.2 The Agency will obtain this credit score report from one or more consumer reporting agencies, and the information will be used solely for the purpose of assessing insurance eligibility and providing an accurate insurance quote. This soft pull will not impact your credit score or be visible to other creditors.

2. Communication Authorization

2.1 By submitting your information, you consent to MSM INSURANCE AGENCY contacting you using the contact information provided on the submitted form. This communication may include but is not limited to text messages, emails, and phone calls.

2.2 The Agency may use this contact information to provide information about insurance products, policy quotes, updates, and other relevant insurance-related communications.

2.3 The Applicant acknowledges that standard message and data rates may apply for text messages and phone calls, and it is the Applicant’s responsibility to contact their mobile service provider to determine any applicable fees.

3. Consent and Revocation

3.1 The Applicant has the right to revoke this authorization at any time by notifying MSM INSURANCE AGENCY in writing. However, revoking this authorization may affect the Agency’s ability to provide accurate insurance quotes and services.

4. Governing Law

4.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of United States of America, without regard to its conflict of law principles.

5. Entire Agreement

5.1 These Terms and Conditions constitute the entire agreement between the Applicant and MSM INSURANCE AGENCY regarding the insurance credit score report authorization and communication permissions.

6. SMS Terms and Conditions

By subscribing to our services, you agree to the following terms and conditions REGARDING MESSAGING AND COMMUNICATIONS:

6.1 Messaging Frequency: By opting in, you consent to receive recurring messages from us. The frequency of these messages may vary depending on the service you’re subscribed according to your needs.

6.2 Potential Fees: Standard messaging and data rates may apply depending on your mobile carrier and plan. You are responsible for any charges incurred from receiving messages.

6.3 Opt-In Method: To opt-in to our messaging service, you must provide explicit consent by clicking on the checkbox of our quote form on our website.

6.4 Opt-Out Method: You can opt out of receiving further messages at any time by replying with STOP. After opting out, you will no longer receive further messages unless you opt back in.