Terms & Conditions

1. Age Restriction

You must be at least 18 years of age to use our services, website, and SMS messaging program. By using our website, submitting forms, opting into our communications, or engaging with any of our services, you confirm and represent that you are at least 18 years old. If you are under 18 years of age, you are not permitted to use our services or opt into any communications from Oscar Arnold's Insurance Agency. We do not knowingly collect information from individuals under 18 years of age.

2. Program Description

Oscar Arnold's Insurance Agency may send SMS and email messages to users who opt in. Messages may include promotional offers, insurance quotes, policy updates, appointment confirmations, payment reminders, and renewal notices. Message frequency may vary based on your account activity and preferences.

3. Consent to Receive Messages

By providing your phone number and opting in, you authorize Oscar Arnold's Insurance Agency to send text messages to your mobile number. Consent is not a condition of purchase. You may withdraw your consent at any time by following the opt-out instructions below. Standard message and data rates may apply.

4. Opt Out

You can cancel the SMS service at any time. Just text "STOP" to (623) 412-2244. 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 unless you choose to opt back in.

5. Opt In Again

If you want to rejoin after opting out, you can opt in again using the same method you used to enroll originally — by submitting your phone number through our website or contact form and providing your consent to receive messages.

6. Help and 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 [email protected] or (623) 412-2244.

7. Message Frequency and Rates

As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary depending on your policy status, renewals, and any appointments or requests you have initiated with our office. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

8. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages. Message delivery is subject to the terms and conditions of your wireless carrier. We are not responsible for messages that are delayed or undelivered due to factors outside our control, including network outages, carrier issues, or device limitations.

9. Use of Our Website and Services

By accessing and using our website, you agree to use it only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use the site for any fraudulent or unlawful purpose
• Attempt to gain unauthorized access to any part of the website or its related systems
• Submit false, misleading, or inaccurate information in any form or application
• Transmit any unsolicited commercial communications through our contact channels

10. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. Insurance coverage details, rates, and eligibility are subject to underwriting approval and the terms of the applicable policy.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Oscar Arnold's dba Arnold Insurance, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — our website, services, or communications. Our total liability for any claim arising under these Terms shall not exceed the amount paid by you, if any, for accessing our services.

12. Privacy

Your use of our website and messaging program is also governed by our Privacy Policy. You can view it here:

13. Changes to Terms

We may update these Terms from time to time. Updates will be posted on this page with a new Last Updated date. Your continued use of our services after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically to stay informed of any updates.

14. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Maricopa County, Arizona.

15. Contact

Questions about these Terms can be sent to:

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