SMS Terms of Service​

​

Effective Date: November 11, 2025

​​

By opting in to receive text messages from Koefod Agency, you agree to the following terms and conditions.

​

1. Program Description

Koefod Agency may use SMS (text messaging) to communicate with you about quotes, policy updates, appointment reminders, account information, or other customer service messages. Marketing messages may also be sent occasionally if you have opted in to receive them.

​

2. Consent to Receive Messages

By providing your mobile number and opting in, you consent to receive automated and/or manual text messages from Koefod Agency at the number you provided. Consent to receive marketing texts is not a condition of purchasing any product or service.

​

If you consent to receive conversational, informational or promotional SMS from Koefod Agency, you agree to receive, conversational, informational or promotional SMS from us.

​

3. Message Frequency

Message frequency will vary depending on your interaction with us, but typically includes updates, reminders, or special notices related to your account or policy.

​

4. Message & Data Rates

Message and data rates may apply based on your mobile carrier’s plan. Please contact your carrier for details.

​

5. How to Opt Out

You may opt out of receiving text messages at any time by replying STOP to any message. You will not receive additional messages unless you opt back in.

​

6. Help and Support

If you need assistance or have questions about the SMS program, reply HELP to any message or contact us directly:

Koefod Agency
223 3rd Ave A, Havre MT 59501

406-265-6767

​

7. Privacy

Your privacy is important to us. Information collected through our SMS program will be handled in accordance with our Privacy Policy and will not be shared or sold to third parties for marketing purposes.

​

8. Changes to These Terms

Koefod Agency may update or change these SMS Terms of Service at any time. Updates will be posted on our website and will become effective immediately upon posting.

​

See other disclosures: Privacy Policy and our website Terms & Conditions