1. Program Description
By enrolling in the SMS/text messaging service ("Service") provided by Kiva Insurance, LLC ("Company," "we," "us," or "our"), you consent to receive recurring automated and/or non-automated text messages, including but not limited to: promotional offers, product updates, service alerts, and transactional notifications. Message frequency will vary.
2. Consent to Receive Messages (TCPA & Arizona Law)
By providing your mobile telephone number and opting in to the Service, you:
- Affirm that you are the subscriber or customary user of the number provided.
- Provide express written consent to receive automated marketing and informational text messages from the Company at the number you provide.
- Understand that consent is not a condition of purchase.
- Acknowledge that all marketing communications will comply with the Arizona Consumer Fraud Act, meaning they will not be false, misleading, or deceptive.
3. Message & Data Rates
Message and data rates may apply to each message sent or received, as provided in your mobile telephone service plan. Please contact your wireless carrier for details.
4. Opt-Out Instructions (TCPA, CTIA & Arizona Compliance)
You may opt out of the Service at any time by replying STOP to any message you receive. Upon receipt of your opt-out request, we will send a single confirmation message to confirm your withdrawal from the Service. No further messages will be sent unless you re-enroll.
5. Help & Support
For assistance, reply HELP to any message or contact our customer service team at 520-421-9231 or info@kivains.com.
6. Privacy & Data Protection (GDPR, CCPA & Arizona Law)
We respect your privacy and are committed to protecting your personal data.
- Data Collection: We collect your mobile number, message history, and any information you voluntarily provide.
- Data Use: Your information will be used solely for providing the Service, fulfilling legal obligations, and improving our offerings.
- Data Sharing: We do not sell, rent, or share your personal data with unaffiliated third parties for their own marketing purposes without your explicit consent, except as required by law.
- Data Rights:
- Under GDPR (for EU/EEA residents), you have the right to access, correct, delete, or restrict processing of your personal data, and to withdraw consent at any time.
- Under CCPA (for California residents), you have the right to know what personal information we collect, request deletion, and opt out of the sale of personal information.
- Under Arizona law, if your personal data is subject to a security breach, we will notify you in accordance with A.R.S. § 18-551.
- Data Retention: We retain your data only as long as necessary to fulfill the purposes outlined in this policy or as required by law.
- Contact for Privacy Requests: Email info@kivains.com or visit www.kivains.com.
7. Carrier Disclaimer (CTIA Requirement)
Wireless carriers are not liable for delayed or undelivered messages. Delivery of messages is subject to effective transmission from your wireless service provider and is outside our control.
8. Security Measures
We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction, in compliance with Arizona data security standards.
9. Changes to Terms
We reserve the right to modify or terminate the Service or these Terms & Conditions at any time. Any changes will be effective immediately upon posting to our website or sending you a notification. Continued use of the Service after such changes constitutes your acceptance of the revised Terms.