Terms and Conditions
Effective Date: July 17, 2026
Welcome to The Insurance Programs Inc. ("Company," "we," "our," or "us"). These Terms and Conditions govern your use of our website, services, and SMS messaging program available through
https://www.calltips.us/.
By accessing our website or using our services, you agree to these Terms and Conditions.
1. Services
The Insurance Programs Inc. provides communication solutions and related services designed to help businesses and customers communicate efficiently through telephone, SMS messaging, and other approved communication channels.
2. SMS Messaging Program
By providing your mobile phone number and expressly opting in, you consent to receive SMS text messages fromThe Insurance Programs Inc. These messages may include:
3. Message Frequency
Message frequency varies based on your interactions with The Insurance Programs Inc. and the services you request.
4. Message and Data Rates
Message and data rates may apply according to your wireless carrier's plan. Charges are your responsibility.
5. Opting Out
You may opt out of receiving SMS messages at any time by replying STOP to any text message you receive from us.
After you send STOP, you will receive a confirmation message, and no further SMS messages will be sent unless you opt in again.
6. Help
For assistance, reply HELP to any SMS message or contact us through our website at
https://www.calltips.us/.
7. User Responsibilities
You agree to:
8. Privacy
Your use of our services is also governed by our Privacy Policy.
Your mobile information, including SMS consent and phone number, will not be sold, shared, rented, or disclosed to third parties or affiliates for marketing or promotional purposes.
Information may be disclosed only when required by law or as necessary to provide the services you have requested.
9. Intellectual Property
All content on this website, including text, graphics, logos, software, and other materials, is the property of The Insurance Programs Inc. unless otherwise noted and may not be copied, reproduced, or distributed without written permission.
10. Disclaimer
Our services are provided on an "as is" and "as available" basis. While we strive to provide reliable services, we do not guarantee uninterrupted availability or error-free operation.
Wireless carriers are not liable for delayed or undelivered messages.
11. Limitation of Liability
To the fullest extent permitted by law, The Insurance Programs Inc. shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from the use of our website or services.
12. Changes to These Terms
We reserve the right to update these Terms and Conditions at any time. Updates will become effective upon posting to this page.
13. Contact Information
If you have questions regarding these Terms and Conditions, please contact The Insurance Programs Inc. using the contact information available on our website:
https://www.calltips.us/
Effective Date: July 17, 2026
Welcome to The Insurance Programs Inc. ("Company," "we," "our," or "us"). These Terms and Conditions govern your use of our website, services, and SMS messaging program available through
https://www.calltips.us/.
By accessing our website or using our services, you agree to these Terms and Conditions.
1. Services
The Insurance Programs Inc. provides communication solutions and related services designed to help businesses and customers communicate efficiently through telephone, SMS messaging, and other approved communication channels.
2. SMS Messaging Program
By providing your mobile phone number and expressly opting in, you consent to receive SMS text messages fromThe Insurance Programs Inc. These messages may include:
- Appointment reminders
- Customer service communications
- Account notifications
- Service updates
- Follow-up communications
- Other information related to the services you requested
- SMS consent is not a condition of purchasing any goods or services.
3. Message Frequency
Message frequency varies based on your interactions with The Insurance Programs Inc. and the services you request.
4. Message and Data Rates
Message and data rates may apply according to your wireless carrier's plan. Charges are your responsibility.
5. Opting Out
You may opt out of receiving SMS messages at any time by replying STOP to any text message you receive from us.
After you send STOP, you will receive a confirmation message, and no further SMS messages will be sent unless you opt in again.
6. Help
For assistance, reply HELP to any SMS message or contact us through our website at
https://www.calltips.us/.
7. User Responsibilities
You agree to:
- Provide accurate and current information.
- Maintain accurate contact information.
- Use our services only for lawful purposes.
- Not misuse, interfere with, or attempt unauthorized access to our systems.
8. Privacy
Your use of our services is also governed by our Privacy Policy.
Your mobile information, including SMS consent and phone number, will not be sold, shared, rented, or disclosed to third parties or affiliates for marketing or promotional purposes.
Information may be disclosed only when required by law or as necessary to provide the services you have requested.
9. Intellectual Property
All content on this website, including text, graphics, logos, software, and other materials, is the property of The Insurance Programs Inc. unless otherwise noted and may not be copied, reproduced, or distributed without written permission.
10. Disclaimer
Our services are provided on an "as is" and "as available" basis. While we strive to provide reliable services, we do not guarantee uninterrupted availability or error-free operation.
Wireless carriers are not liable for delayed or undelivered messages.
11. Limitation of Liability
To the fullest extent permitted by law, The Insurance Programs Inc. shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from the use of our website or services.
12. Changes to These Terms
We reserve the right to update these Terms and Conditions at any time. Updates will become effective upon posting to this page.
13. Contact Information
If you have questions regarding these Terms and Conditions, please contact The Insurance Programs Inc. using the contact information available on our website:
https://www.calltips.us/