Terms & Conditions

These terms cover the Sandra Cavoto Insurance Agency text message program and your use of this website.

Effective date: September 28, 2026. "We," "us," and "our" mean Sandra Cavoto Insurance Agency, Inc., 948 W Madison St, Chicago, IL 60607.

Part 1: Text message program

1.1 What the program is

The Sandra Cavoto Insurance Agency Text Message Program (the "Program") sends text messages from Sandra Cavoto Insurance Agency, Inc. to customers and prospective customers who ask to receive them. Messages come from (480) 518-0747. There are two types of messages, and you choose which ones you want:

• Account and policy updates: quote status updates, policy service updates, billing and payment reminders, renewal notices, claim updates, document requests, and appointment reminders. You may also text us questions and receive replies from our staff.
• Coverage reviews and offers: recurring automated marketing messages, such as follow-ups on quotes you requested, invitations to review your coverage, and information about new discounts. Up to 4 messages per month.

1.2 Who can join, and how

You must be at least 18 years old, have a U.S. mobile phone number, and be the account holder or an authorized user of that number. By signing up, you confirm this and agree to these terms.

You can sign up in two ways:

• On our website. Complete the form on our text message sign-up page, check the box for each type of message you want, and agree to these terms and our Privacy Policy. Each checkbox is optional and is never checked for you in advance. Checking the marketing box is your written signature agreeing to receive automated marketing texts from Sandra Cavoto Insurance Agency, Inc. at the number you provide.
• By phone. When you call our office, an agent may read you the disclosures published on our sign-up page and ask for your permission. Phone sign-ups cover account and policy updates only. Coverage reviews and offers require the website form, because marketing texts need your written consent.

After you sign up, we send one text confirming your enrollment. Agreeing to receive text messages is not a condition of purchasing any property, goods, or services.

1.3 Message frequency and cost

For account and policy updates, message frequency varies based on the number of policies and billing accounts you have and your account activity. For coverage reviews and offers, you'll receive up to 4 messages per month.

We do not charge for the Program. Message and data rates may apply according to your mobile carrier's plan. By enrolling, you approve any such charges that appear on your mobile phone bill or are deducted from your prepaid balance.

1.4 How to opt out

You can cancel at any time. Reply STOP to any message from us. You may also reply CANCEL, END, QUIT, UNSUBSCRIBE, STOPALL, REVOKE, or OPTOUT. You'll receive one final text confirming that you've been unsubscribed, and after that you won't receive further text messages from us unless you sign up again.

You can also opt out by calling (312) 666-4424, by visiting one of our offices, by replying to a text in your own words, or in any other reasonable way. We honor every opt-out request within 10 business days, and usually right away.

Replying STOP ends all text messages from our number. If you'd like to stop only the offers and keep account and policy updates, call us and we'll update your preferences. To rejoin after opting out, reply START or complete the sign-up form again. You may also be opted out automatically if you change your mobile number or carrier.

Because you remain responsible for your policies, including making payments on time, please keep in mind that opting out means you won't receive billing or renewal reminders by text. Your insurance company remains responsible for sending required notices by mail or email.

1.5 How to get help

Reply HELP to any message for help. You can also call us at (312) 666-4424 or visit us at 948 W Madison St, Chicago, IL 60607.

1.6 When we send messages

We send text messages between 9:00 am and 8:00 pm in your local time zone, Monday through Saturday, and between noon and 8:00 pm on Sunday, except for urgent messages about a claim or suspected fraud on your account, or replies to a question you texted us.

1.7 Service availability and disclaimers

The Program is provided on an "as is" basis. Messages may not be delivered in all areas or at all times, and delivery may be affected by changes your wireless carrier makes to its products, software, or coverage. Delivery of text messages can fail for many reasons, including system outages and mobile network problems. Carriers are not liable for delayed or undelivered messages. The Program works on any mobile device that can send and receive text messages on a major U.S. carrier.

We may change or end the Program, for everyone or for individual participants, at any time with or without notice. Text messages are a convenience and are not a substitute for your policy documents or for official notices from your insurance company. To the extent permitted by law, we are not liable for any loss resulting from delayed, undelivered, or misdirected text messages.

1.8 Privacy

Our Privacy Policy explains how we collect and use information, including your mobile number. We do not sell, rent, or share your mobile number or text messaging consent with third parties or affiliates for their marketing or promotional purposes.

Part 2: Use of this website

2.1 Who we are

Sandra Cavoto Insurance Agency, Inc. is an insurance agency and an Illinois corporation. Our principal place of business is 948 W Madison St, Chicago, IL 60607, and we have offices on Chicago's Southwest Side, in Burr Ridge, Illinois, and in Phoenix, Arizona. We are licensed in Arizona, California, Illinois, Indiana, Kansas, Michigan, Ohio, Texas, and Wisconsin. Our Illinois insurance producer license number is 100300777 and our California insurance license number is 0K75084.

2.2 Information, not an offer of coverage

This website gives general information about our agency and the types of insurance we offer. Nothing on it is an offer to sell insurance, a guarantee of coverage, or a statement of what any policy covers.

• Quotes are estimates. The final premium depends on the information you provide and the insurance company's underwriting.
• Coverage is subject to the terms, conditions, limits, and exclusions of the policy issued and to underwriting approval and eligibility. If anything on this website differs from your policy, the policy controls.
• Products, coverages, features, and discounts vary by state and are not available in every state.
• No coverage is bound, changed, or cancelled by anything you send us through this website, by email, by text message, or by voicemail until we confirm it to you. If you need to make a change or report a claim, call us or your insurance company directly.

2.3 Using the site

You may use this website for lawful, personal purposes. You may not submit information on behalf of anyone else without their permission, attempt to interfere with the site's operation or security, or copy the site's content for commercial use without our written permission. This website links to a few outside sites, such as state insurance departments and a map service for directions. We are not responsible for their content or privacy practices.

2.4 Limitation of liability

We work to keep this website accurate and available, but we provide it "as is" and do not promise that it will be error-free or uninterrupted. To the fullest extent permitted by law, Sandra Cavoto Insurance Agency, Inc. and its officers, employees, and agents are not liable for any indirect, incidental, or consequential damages arising from your use of this website. Nothing in these terms limits any liability that cannot be limited by law, or waives any right you have under the Illinois Consumer Fraud and Deceptive Business Practices Act, the Arizona Consumer Fraud Act, or any other consumer protection law.

2.5 Governing law

These terms are governed by the laws of the State of Illinois and applicable federal law, without regard to conflict of law rules, to the extent permitted by the law of the state where you live. Nothing in these terms requires you to give up your right to bring a claim in court, including small claims court.

2.6 Accessibility

We want everyone to be able to use this website. If you have trouble using any part of it, call (312) 666-4424 and we will help you or provide the information another way. See our accessibility statement.

2.7 Changes to these terms

We may update these terms from time to time. Changes take effect when they are posted on this page, and the effective date above will change. Changes that expand the messages you receive will require your new consent. For significant changes to the Program, we'll also let participants know by text.

Frequently asked questions

How many texts will I receive?

It depends on which messages you choose, how many policies and billing accounts you have, and your account activity. Coverage reviews and offers are limited to 4 messages per month.

Will text messages work on my phone?

Yes, if your phone can send and receive text messages and you use a major U.S. mobile carrier.

Can I get texts on more than one phone?

Yes. Complete the sign-up form for each mobile number. Each number must belong to you or to someone who has given you permission to enroll it.

What if a text seems suspicious?

Our texts always identify Sandra Cavoto Insurance Agency, and we will never ask for your full Social Security number, a password, or a card number by text. If a message seems unusual, don't reply. Call us at (312) 666-4424.

Contact us

Sandra Cavoto Insurance Agency, Inc.
948 W Madison St
Chicago, IL 60607
(312) 666-4424