Coverage by Kuhl – Terms of Service
Effective Date: November 2025
Introduction
These Terms of Service (“Terms”) govern your use of Coverage by Kuhl’s website and services. By submitting your contact information or using this site, you agree to these Terms.
Communications Consent
By providing your phone number, you authorize Coverage by Kuhl to contact you by phone, text message, or email regarding health-insurance options and related services. Message and data rates may apply. Reply STOP to opt out or HELP for assistance.
Purpose of Contact
Communications may include insurance quotes, enrollment reminders, or updates related to your coverage.
Use of Information
Information you submit is used only to deliver insurance information or connect you with a licensed agent.
Links and Third Parties
External links are provided for convenience. Coverage by Kuhl is not responsible for content outside this domain.
Limitation of Liability
Coverage by Kuhl provides information on an as-is basis without warranty.
Mobile Messaging Terms and Conditions
Coverage By Kuhl (“Coverage By Kuhl”, “we”, or “us”) operates a mobile messaging program (the “Program”) subject to these Mobile Messaging Terms and Conditions (the “Mobile Messaging Terms”). The Program and our collection and use of your personal information is also subject to our Privacy Policy https://coveragebykuhl.com/privacy-policy. By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree to these Mobile Messaging Terms and our Privacy Policy.
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Program Description: We may send promotional and transactional mobile messages in various formats through the Program. Promotional messages advertise and promote our products and services and may include [promotions, specials, other marketing offers, and abandoned checkout reminders]. Transactional messages relate to an existing or ongoing transaction and may include [order notifications and updates, appointment reminders, and other transaction-related information]. Mobile messages may be sent using an automated technology, including an autodialer, automated system, or automatic telephone dialing system. Message frequency will vary but will not exceed 5 messages in 1 day. You agree that we, may send you messages regarding the foregoing topics or any topic and that such messages and/or calls may be made or placed using different telephone numbers or short codes. We do not charge for mobile messages sent through the Program but you are responsible for any message and data rates imposed by your mobile provider, as standard data and message rates may apply for SMS and MMS alerts.
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User Opt-In: By providing your mobile phone number to us, you are voluntarily opting in to the Program and you agree to receive recurring mobile messages from us at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal “Do Not Call” list. You agree that any mobile phone number you provide to us is a valid mobile phone number of which you are the owner or authorized user. If you change your mobile phone number or are no longer the owner or authorized user of the mobile phone number, you agree to promptly notify us at info@coveragebykuhl.com. Your participation in the Program is not required to make any purchase from us and your participation in the Program is completely voluntary.
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User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to optout of the Program and stop receiving mobile messages from us, or you no longer agree to these Mobile Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT, and/or UNSUBSCRIBE to any mobile message from us. You may continue to receive text messages for a short period while we process your request and you may receive a one-time opt-out confirmation message. You understand and agree that the foregoing is the only reasonable method of opting out. For support, reply HELP to any mobile message from us. Our mobile messaging platform may not recognize requests that modify the foregoing commands, and you agree that we and our service providers will not be liable for failing to honor requests that do not comply with the requirements in these Mobile Messaging Terms. We may also change the telephone number or short code we use to operate the Program and we will notify you of any such change. You acknowledge that any requests sent to a telephone number or short code that has been changed may not be received by us and we will not be responsible for failing to honor a request sent to a telephone number or short code that has been changed.
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Disclaimer of Warranty and Liability: The Program is offered on an “as-is” basis and may not be available in all areas, at all times, or on all mobile providers. You agree that neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message or information sent through the Program.
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Modifications: We may modify or cancel the Program or any of its features at any time, with or without notice. To the extent permitted by applicable law, we may also modify these Mobile Messaging Terms at any time. Any such modification will take effect when it is posted to our website. You agree to review these Mobile Messaging Terms periodically to ensure that you are aware of any modifications. Your continued participation in the Program will constitute your acceptance of those modifications.
Program Description: We send informational and promotional text messages related to health insurance plans.
User Obligations
You agree to provide accurate information and to use this site only for lawful purposes. You must be 18 years of age or older to submit a request for coverage information.
Opt-Out: Text STOP to cancel.
Help: Text HELP for assistance or email info@coveragebykuhl.com.
Message Frequency: Varies. Message and data rates may apply.
Supported Carriers: AT&T, T-Mobile®, Verizon Wireless, and others.
Changes: We may modify these terms at any time. Your continued participation signifies acceptance of changes.
If you have any questions about this Privacy Policy, You can contact us:
By Email: info@coveragebykuhl.com
By Phone: (561) 480-5670