Effective Date: 1/9/25
Welcome to the PHD Financial & Insurance Services website (the “Site”). These Terms and Conditions (“Terms”) govern your use of our Site and services. By accessing or using the Site, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use our Site.
1. Acceptance of Terms
By using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy (found at https://phdfinandins.com/privacy-policy/). If you are using the Site on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. SMS Terms & Conditions
- Types of SMS Communications
If you have consented to receive text messages from PHD Financial & Insurance Services, you may receive messages related to:
- Inviting you to educational events or client appreciation events
- Reminders about events you signed up for
- Reminders about appointments you signed up for
Example Messages
Below are sample messages:
“Hello Austin,
This is Joe with PHD Financial. As a valued client you are invited to attend our upcoming Understanding Retirement Strategies seminar and dinner at Ruth’s Chris Marina Del Rey at 6:00pm, January 23rd. Please RSVP at your earliest convenience. Reply STOP to opt-out. Text HELP for assistance.”
”Hello Hank,
This is Joe with PHD Financial. Thank you for registering for our Understanding Retirement Strategies seminar and dinner at Ruth’s Chris Marina Del Rey at 6:00pm, January 23rd. We are reaching out to confirm your reservation to secure your spot. If you will be attending, please simply let me know via text or call. We hope to see you there. Reply STOP to opt-out. Text HELP for assistance.”
“Hello Jane,
This is Joe with PHD Financial. I’m reaching out to confirm your appointment with Pamala Henderson, tomorrow, Friday, 1/3/25, at 12:00pm, at our office. We look forward to seeing you there! Reply STOP to opt-out of SMS messaging. Text HELP for assistance.”
2. Consent for SMS Communications
Upon providing consent to receive SMS communications from us, we want to assure you that your phone number and consent will never be shared with third parties or affiliates for marketing purposes. Your information is used solely for communication with you.
3. Standard Messaging Disclosures
- Message and data rates may apply.
- You can opt out at any time by texting “STOP.”
- For assistance, text “HELP” or visit our Privacy Policy – PHD Financial and SMS Terms & Conditions – PHD Financial pages.
- Message frequency may vary.
4. Message Frequency
Message frequency may vary. You may receive between 0-5 SMS messages per week regarding your appointments or events, though this may vary depending on your requests.
3. Limitations of Liability
In no event shall PHD Financial & Insurance Services, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or usage, arising out of or related to your use of the Site or any services provided by PHD Financial & Insurance Services.
4. Changes to Terms
PHD Financial & Insurance Services reserves the right to modify these Terms at any time without prior notice. Your continued use of the Site following any changes signifies your acceptance of the new Terms.
5. Governing Law
These Terms and any disputes related thereto shall be governed by and construed in accordance with the laws of the state in which PHD Financial & Insurance Services is headquartered, without regard to conflict-of-law principles. Any legal suit, action, or proceeding arising out of or relating to these Terms shall be instituted exclusively in the state or federal courts located within that state.
6. Contact Information
For any questions about these Terms, please contact us at:
PHD Financial & Insurance Services
1620 Centinela Avenue, Suite 306, Inglewood, CA 90302
Email: pamalahenderson@att.net
Phone: 310-997-2505