Terms of Service

1. Introduction

Kyle Russell Agency LLC ("we," "us," "our") is a licensed independent insurance brokerage based in Denver, NC, doing business as Senior Benefits Center Kyle Russell Agency. By using our website or submitting your contact information, you agree to these Terms of Service and our Privacy Policy.

SMS Program Terms

• Program Name: Senior Benefits Center Kyle Russell Agency SMS Program — a low-volume, mixed marketing and customer-service program. Upon opting in, you may receive insurance quote follow-ups, plan and enrollment information, appointment reminders, policy service notifications, special offers and discounts, and customer-care responses from Senior Benefits Center Kyle Russell Agency.
• 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. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.
• Carriers are not liable for delayed or undelivered messages.
• As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.
• If you need assistance, text HELP to the shortcode or contact us at (704) 931-6387 or info@kylerussellagency.com.
• For privacy-related inquiries, please refer to our privacy policy: Privacy Policy.

2. Insurance Quotes and Services

The information on this website is for general informational purposes and does not constitute professional insurance or legal advice. Quotes are estimates based on the information you provide and are subject to final underwriting by the respective insurance carriers. We are an independent brokerage and not affiliated with the U.S. Government or the federal Medicare program.

3. SMS / Text Messaging Terms (A2P 10DLC)

By opting in through our contact form or other written consent methods, you agree to receive SMS text messages from Kyle Russell Agency LLC (dba Senior Benefits Center Kyle Russell Agency) for marketing and service-related purposes, including insurance quotes, promotions, appointment reminders, policy service, and customer-care follow-ups.

• Message frequency: varies based on your activity; typically fewer than 10 messages per month.
• Message & data rates may apply. Check with your mobile carrier.
• Opt out at any time by replying STOP. You will receive one final confirmation message and then no further messages.
• Get help by replying HELP or contacting us at (704) 931-6387.
• Re-opt in after opting out by replying START, UNSTOP, or YES.
• Carriers are not liable for delayed or undelivered messages.
• Consent to receive SMS is not a condition of purchase of any insurance product or service.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors supporting our services (such as our SMS provider for message delivery and customer-support purposes) is permitted.

4. Sample Messages

Below are examples of messages you may receive after opting in:

• "Hi [Name], this is Kyle Russell Agency. I have a few follow-up questions about your Medicare quote. Reply here or call us at (704) 931-6387. Reply STOP to opt out."
• "Reminder: Your appointment with Kyle Russell Agency is scheduled for tomorrow at 2:00 PM. Reply CONFIRM to confirm or call (704) 931-6387. Reply STOP to opt out."
• "Thanks for reaching out to Senior Benefits Center Kyle Russell Agency. Your quote is ready — let's find the right plan for you. Reply here or call (704) 931-6387. Reply STOP to opt out."

5. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Kyle Russell Agency LLC unless otherwise noted. You may not reproduce, distribute, or create derivative works without our prior written consent.

6. Limitation of Liability

To the fullest extent permitted by law, Kyle Russell Agency LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or our services. Our total liability shall not exceed the amount you paid us in the twelve months preceding the claim.

7. Governing Law

These terms are governed by the laws of the State of North Carolina. Any disputes arising under these terms shall be resolved in the courts of Catawba County, North Carolina.

8. Changes to These Terms

We may update these Terms of Service from time to time. The "Last updated" date above reflects the most recent revision. Continued use of our website or services constitutes acceptance of the updated terms.

9. Contact Us

Kyle Russell Agency LLC
dba Senior Benefits Center Kyle Russell Agency
Denver, NC · Serving the greater Charlotte area
Phone: (704) 931-6387
Email: info@kylerussellagency.com

Questions about these terms? Contact us or review our Privacy Policy.