Terms & Conditions

1. Use of Website
By using our website and services, you agree to:

  • Use the site for lawful purposes only.

  • Not attempt to interfere with its functionality or security.

  • Not use our content without permission.

2. Intellectual Property
All website content, including text, images, logos, and designs, is the property of Koda Insurance Services and may not be copied, distributed, or modified without written consent.

3. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these external sites.

4. Limitation of Liability
Koda Insurance Services is not liable for any direct, indirect, incidental, or consequential damages arising from the use of our website or services.

5. Changes to These Terms
We reserve the right to update this policy at any time. Changes will be posted on this page with the revised effective date.

Privacy Policy & SMS Messaging Disclosure

At Koda Insurance Services, we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and protect the information you provide when interacting with our website, services, and SMS communications.

Information We Collect

We may collect personal information that you voluntarily provide to us, including but not limited to:

• Name
• Phone number
• Email address
• Mailing address
• Insurance policy information
• Business information (for commercial insurance inquiries)
• Any information submitted through forms, emails, phone calls, or text messages

We may also collect limited technical information such as IP address, browser type, and website usage data for security and website functionality purposes.

How We Use Your Information

The information we collect may be used for the following purposes:

• Providing insurance quotes and policy services
• Communicating with you regarding your insurance policies or requests
• Sending appointment reminders, service notifications, and policy updates
• Responding to inquiries or customer service requests
• Improving our services and website functionality
• Meeting legal, regulatory, and compliance requirements

SMS Communications

By providing your phone number and consenting to receive text messages, you agree that Koda Insurance Services may send SMS messages related to your insurance inquiries, policies, account updates, or customer service communications.

Examples of SMS messages may include:

• Quote follow-ups
• Policy updates
• Appointment reminders
• Customer service communications
• Documentation requests

Message and data rates may apply depending on your mobile carrier.

You may opt out of SMS messaging at any time by replying STOP to any text message. After opting out, you will no longer receive SMS communications from us unless you provide new consent.

For assistance, reply HELP or contact us directly at 619-600-5550.

How We Share Personal Information

We do not sell or rent your personal information.

We may share your information only when necessary to provide insurance services, including with:

• Insurance carriers and underwriting partners
• Insurance wholesalers or broker partners
• Service providers assisting with business operations (CRM systems, communication platforms, etc.)
• Regulatory or legal authorities when required by law

SMS consent is not shared with third parties or affiliates for marketing purposes.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, or misuse.

Your Privacy Rights

You may request access to, correction of, or deletion of your personal information by contacting our office.

Contact Information

If you have any questions regarding this Privacy Policy or how your information is handled, please contact:

Koda Insurance Services
Phone: 619-600-5550
Email: teamkoda@kodains.com

SMS Terms & Conditions

  • Consent: Your phone number and SMS consent will not be shared with third parties or affiliates for marketing purposes.

  • Message Types: Messages may include appointment reminders, quote follow-ups, or service updates.

  • Message Frequency: Varies based on user activity.

  • Fees: Standard message and data rates may apply.

  • Opt-In: Users can opt in via online forms (e.g., https://kodains.com/contact).

  • Opt-Out: Reply “STOP” to unsubscribe from SMS messages at any time.

  • Help: Reply “HELP” for assistance or email teamkoda@kodains.com.

  • SMS Consent: Opt-in is voluntary, and users may choose not to receive messages.

For questions regarding this policy, contact us at teamkoda@kodains.com or call (619) 600-5550.