PRIVACY POLICY

Privacy Policy

Introduction: Give an overview of your company and the purpose of the privacy policy.

Types of Information Collected: Specify the types of personal information collected from
customers (e.g. name, email address).

Method of Information Collection: Describe the ways in which customer data is collected.

Purpose of Data Collection: Explain why customer information is collected and how it will be utilized.

Data Security Measures: Detail the security measures implemented to safeguard customer data from unauthorized access or misuse.

Data Sharing: Disclose whether customer data will be shared with third parties, and under what circumstances.

User Rights: Inform customers of their rights regarding their personal information, such as accessing, updating, or deleting their data.

Contact Information: Provide contact details for customers to address any inquiries or concerns regarding their privacy.

Information Sharing: SMS opt-in and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes.

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TERMS AND CONDITIONS
 

Terms and Conditions

Effective Date: [Jan/24/2025]
Welcome to [Koram Insurance] (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](https://www.koraminsurance.com/policy-footer). 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.

SMS Terms & Conditions

SMS Consent Communication:
The information ((323) 660-1000) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

Types of SMS Communications:
If you have consented to receive text messages from [Koram Insurance], you may receive messages related to the following (provide specific examples):

  • Appointment reminders

  • Follow-up messages

  • Billing inquiries

  • Promotions or offers (if applicable)


Example: "Hello, this is a friendly reminder of your upcoming appointment with [Name] at [Location] on [Date] at [Time]. Reply STOP to opt out of SMS messaging at any time."

Message Frequency:
Message frequency may vary depending on the type of communication. For example, you may receive up to [20] SMS messages per week related to your [appointments/billing, etc.].

Example:
"Message frequency may vary. You may receive up to 6 SMS messages per week regarding your appointments or account status."

Potential Fees for SMS Messaging:
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

Opt-In Method:
You may opt-in to receive SMS messages from [Company Name] in the following ways:

  • Verbally, during a conversation

  • By submitting an online form

  • By filling out a paper form


Opt-Out Method:
You can opt-out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

Help:
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at (https://www.koraminsurance.com/contact-us)

Additional Options:

  • If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

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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] and [Terms and Conditions] pages.

  • Message frequency may vary.


5. Limitations of Liability
In no event shall [Business Name], 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 [Koram Insurance].

6. Changes to Terms
[Koram Insurance] 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.

7. Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Insert State]. Any disputes arising out of or related to these Terms shall be resolved in the courts located in [3600 Wilshire Blvd, Suite 336, Los Angeles, CA, 90010, US].

8. Contact Information
For any questions about these Terms, please contact us at:
[Koram Insurance]
[3600 Wilshire Blvd, Suite 336, Los Angeles, CA, 90010, US]
Email: [Info@koraminsurance.com]
Phone: [(323) 660-1000]
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[Han Mi Insurance Center, Inc.]
[7700 Orangethorpe Ave, Suite 15, Buena Park, CA 90621]
Phone: [714.562.0300]
E-Mail: info@insurancehanmi.com