Howard Castle Insurance - An IPA Agency

Terms and Conditions

Effective Date: January 16, 2026

Business Description:

Welcome to https://howardcastleinsurance.com/ (the “Site”), operated by Howard Castle Insurance. Howard Castle Insurance is an insurance agency providing personal and commercial insurance solutions, including policy quotes, renewals, coverage updates, billing reminders, promotional offers, and customer support communications.

These Terms and Conditions (“Terms”) govern your access to and use of our website, services, and communications, including SMS messaging. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

You can cancel the SMS service at any time. Simply text “STOP” to the shortcode. Upon sending “STOP,” we will confirm your unsubscribe status via SMS. After confirmation, you will no longer receive SMS messages from Howard Castle Insurance. To rejoin, sign up as you did initially, and we will resume sending SMS messages.

If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or contact us directly at vickigene@insuranceproaz.com.

Carriers are not liable for delayed or undelivered messages.

Message and data rates may apply for messages sent to you from us and from you to us. Message frequency may vary. For questions about your text or data plan, please contact your wireless provider.

For privacy-related inquiries, please refer to our privacy policy: https://howardcastleinsurance.com/privacy-policy/.

1. Business Information

Business Name: Howard Castle Insurance

2. SMS Messaging Program Terms

By opting into SMS communications from Howard Castle Insurance, you agree to receive recurring text messages related to:

  • Insurance quotes and follow-ups
  • Policy updates and renewal reminders
  • Billing notifications and payment reminders
  • Appointment confirmations
  • Customer service responses
  • Promotions, special offers, and agency announcements

Message frequency may vary depending on your interaction with us. You may receive periodic messages based on active policies, inquiries, or promotional enrollment. Consent to receive SMS messages is not a condition of purchase.

3. Opt-Out Instructions

You can cancel the SMS service at any time. Just text "STOP" to [Phone Number].

After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

If you want to join again, simply sign up as you did the first time, and we will start sending SMS messages to you again.

You may also text END, CANCEL, UNSUBSCRIBE, or QUIT to opt out.

4. Help & Customer Support

If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at: vickigene@insuranceproaz.com

5. Message & Data Rate Disclosure

As always, message and data rates may apply for any messages sent to you from us and to us from you.

You will receive recurring messages; frequency varies based on account activity and engagement.

If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

6. Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your wireless service provider and is outside the control of Howard Castle Insurance.

7. Age Restriction (18+)

You must be at least 18 years old to use this website or participate in our SMS messaging program.

By opting into our messaging services, you represent and warrant that you are at least 18 years of age. Individuals under 18 are not permitted to enroll or provide personal information for SMS communications.

8. Privacy Policy

If you have any questions regarding privacy, please read our Privacy Policy:

https://howardcastleinsurance.com/privacy-policy

Your phone number and personal information will be handled in accordance with our Privacy Policy.

9. Changes to These Terms

Howard Castle Insurance reserves the right to modify or update these Terms & Conditions at any time. Changes will be effective immediately upon posting to this page. Continued use of our website or SMS services constitutes acceptance of those changes.