Terms of Service.
Effective Date: 10/28/2026
SMS Messaging Terms & Compliance
1. Program Description
Ridgewell Insurance's SMS program sends service-related messages to existing clients, including welcome and enrollment confirmations, policy status updates, beneficiary information requests, appointment and call-back reminders, and two-way replies to client questions. Clients opt in verbally during a recorded application or service call with a licensed agent, or in writing where offered. Consent is not a condition of purchase.
2. Cancellation Instructions
You can cancel the SMS service at any time. Simply text "STOP" to the same number that sent you messages. 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, text START to (385) 462-6922 or tell your agent on your next call, and we will resume sending SMS messages to you. Opting out of text messages does not affect your insurance policy or our other communications with you.
3. Support Information
If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or reach out directly to service@
4. Carrier Liability
Carriers are not liable for delayed or undelivered messages.
5. Message & Data Rates
Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.
6. Supported Carriers
Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, and most regional carriers.
7. Age Restriction
You must be 18 years or older to participate in our SMS program.
8. Privacy Policy
For privacy-related inquiries, please refer to our Privacy Policy.
We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines, regarding the use of SMS communications.
General Terms
This website (the "Site") is owned and operated by Ridgewell Insurance ("COMPANY," "we" or "us"). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Ridgewell Insurance.
Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.
We reserve the right to change these Terms of Service or to impose new conditions on the use of the Site from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.
Our Services
Ridgewell Insurance is an independent insurance agency. We are not a bank, mortgage lender, or mortgage broker, and we do not make, arrange, or service loans. Any lending referenced on this Site is provided solely by third-party lenders, subject to their own approval, terms, and disclosures. Insurance and annuity products are issued by the respective insurance carriers and are subject to underwriting and state availability. Payoff timelines, illustrations, and examples are based on information you provide and on assumptions that may change; they are not guaranteed, and individual results vary. Content on this Site is for educational purposes and is not tax, legal, or investment advice. Ridgewell does not offer securities.
Calculators and Illustrations
Calculators, payoff projections, statistics, and examples on this Site are educational estimates based on the information entered and on stated assumptions. They are not offers, guarantees, or personalized financial, tax, or legal advice, and actual results will differ.
No Investment Advice
Ridgewell Insurance is not a registered investment adviser or broker-dealer and does not offer securities. Nothing on this Site is a recommendation to buy or sell any security.
Intellectual Property Rights
Our Limited License to You
This Site and all the materials available on the Site are the property of Ridgewell Insurance and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal non-commercial use.
You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us.
Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium any material from the Site. However, you may download and/or print one copy of individual pages for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.
Your License to Us
By posting or submitting any material (including comments, blog entries, social media posts, photos, and videos) to us via the Site, internet groups, or other digital venues, you represent that you own the material or have obtained the necessary permissions. You grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, sell, exploit, create derivative works from, distribute, and publicly perform or display such material.
Disclaimers
Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites or the information, products, or services offered on or through the sites.
The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.
Indemnification
You agree at all times to indemnify and hold harmless Ridgewell Insurance, its affiliates, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses arising out of or related to your breach of any obligation, warranty, or representation under these Terms of Service.
Online Commerce
Certain sections of the Site may allow you to purchase products and services from third-party vendors. We are not responsible for the quality, accuracy, timeliness, reliability, or any other aspect of these products and services. If you make a purchase from a third party linked through the Site, the information obtained during your visit, including payment information, may be collected by both the merchant and us.
Your participation in any dealings with third-party vendors is solely between you and the third party. Ridgewell Insurance shall not be responsible for any loss or damage incurred as a result of such dealings.
Registration & Passwords
To access certain features of the Site, you may be required to register and create an account. You agree to provide accurate, current, and complete information during the registration process. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account.
If you suspect unauthorized use of your account, notify us immediately at service@
Termination
We reserve the right to terminate or suspend your access to the Site, without notice, if we determine that you have violated these Terms of Service or engaged in conduct that we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it.
Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Utah. Any dispute arising under these Terms shall be resolved exclusively through binding arbitration in Salt Lake County, Utah.
Changes to Terms of Service
We may update these Terms of Service from time to time. The latest version will always be available on our website with the effective date.
Contact Us
For any questions regarding these Terms of Service, please contact us at:
By using our website and services, you consent to these Terms of Service.