Terms & SMS Terms

1. Website and operator

Ho Insurances LLC operates this public insurance information and inquiry website. Contact info@hoinsurances.com, (800) 723-9145, or 750 SW 102nd Ct, Miami, FL 33174.

2. Insurance information and inquiries

Website information is general. A quote, discussion, inquiry, or prepared application does not itself establish eligibility, coverage, enrollment, or an insurance contract. Availability, benefits, costs, and effective dates depend on the product, state, insurer, plan, and completed application process. Do not submit sensitive application details through the general contact form.

3. Customer-care SMS program

Sender: Ho Insurances LLC. Sending number: +1 (855) 626-2461. Messages address insurance assistance you requested, follow-ups on your request, and information needed to prepare your application. The program does not include marketing messages. Delivery begins only after verification of the number and activation of the program.

4. Voluntary consent

Use the separate, optional, initially unchecked choice on the contact form to authorize customer-care texts to your provided mobile number. Consent is not a condition of purchasing goods or services. An inquiry or a phone number alone does not authorize SMS. Consent is specific to Ho Insurances LLC and this program and is not transferable to another business.

5. Frequency, rates and delivery

Message frequency varies. Message and data rates may apply. Charges depend on your mobile plan. Delivery depends on carrier service and is not guaranteed. Carriers are not liable for delayed or undelivered messages.

6. STOP, HELP and resubscription

Reply STOP to the sending number to opt out. A final opt-out confirmation may be sent. Reply HELP for assistance, or email info@hoinsurances.com or call (800) 723-9145. To resubscribe after a carrier-level toll-free block, reply START or UNSTOP from the same mobile number; a website submission alone does not clear that block.

7. Privacy

Our Privacy Policy explains information collection, processing, retention, and privacy requests. Mobile opt-in information and consent will not be sold or shared with third parties, affiliates, or lead generators for their marketing or promotional purposes. Necessary service providers may process information on behalf of HO to operate its services.

8. Updates

We may update these terms by publishing a revised effective date. An insurer or government program’s separate terms govern its coverage or enrollment services.