Terms of Service

1. Use of Website

By accessing our website, you agree to comply with all applicable laws and regulations. Unauthorized use of this website may result in legal action.

2. SMS Terms of Service

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Balboa Pacific Inc. This includes but is not limited to:

  • Appointment scheduling
  • Appointment reminders
  • Post-visit instructions
  • Status updates
  • Account notifications

Messaging frequency may vary. Message and data rates may apply.

To opt out at any time, text STOP.

For assistance, text HELP or visit our website at www.balboapacific.com.

3. Disclaimer

We strive to provide accurate and up-to-date information, but we do not guarantee that all content is error-free. We are not liable for any direct or indirect damages from your use of this site.

4. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page, and your continued use of our services constitutes acceptance of the updated terms.

SMS Terms & Conditions

The Terms of Service related to SMS communication must be included in the privacy policy or as a stand-alone document. Note: If the customer has a Terms and Conditions page, this information should be included there, not in the privacy policy. The document must include the following:

1- SMS Consent Communication:
Information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

2- Message Frequency:
Message frequency may vary depending on the type of communication. For example, up to [X] SMS messages per week may be received related to [appointments/billing, etc.].
Example:
“Message frequency may vary. You may receive up to 2 SMS messages per week regarding your appointments or account status.”

3- Potential Fees for SMS Messaging:
Standard message and data rates may apply, depending on the carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

4- Opt-In Method:
Opt-in to receive SMS messages from [Company Name] can be done in the following ways:
Verbally, during a conversation
By submitting an online form
By filling out a paper form

5- Opt-Out Method:
Opting out of receiving SMS messages can be done at any time by replying “STOP” to any SMS message received. Alternatively, direct contact can be made to request removal from the messaging list.

6- Help:
For any issues, reply with the keyword HELP. Alternatively, help can be obtained directly from us at (insert the link)
Additional Options:
If SMS messages are not desired, the SMS consent box on forms can be left unchecked.

7- Standard Messaging Disclosures:
Message and data rates may apply.
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

Privacy Policy

1. Information We Collect

We may collect the following personal information:

  • Name, email address, phone number
  • Application details
  • Communications preferences (including SMS consent)
  • Technical data (e.g., IP address, browser type, device information)

2. How We Use Your Information

We use your information to:

  • Provide mortgage and Insurance-related services
  • Communicate with you regarding loan applications insurance applications, approvals, and status updates
  • Send SMS notifications based on your opt-in preferences
  • Improve our website and customer experience

3. Sharing of Information

We do not sell, rent, or share your personal information with third parties for marketing purposes. However, we may share your information with:

  • Trusted service providers assisting in loan processing and customer communication
  • Legal authorities, if required by law

SMS consent is not shared with third parties or affiliates for marketing purposes.

4. Data Security

We implement strict security measures to protect your data. However, no method of transmission over the internet is 100% secure. By using our services, you acknowledge this risk.

5. Your Rights

You have the right to:

  • Request access to your personal data
  • Request correction or deletion of your information
  • Withdraw consent for marketing communications

To exercise these rights, contact us at [email protected].

6. Opting Out of Communications

To unsubscribe from emails, follow the unsubscribe link in the email.

To stop receiving SMS messages, reply STOP at any time.

7. Changes to Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page, and continued use of our website constitutes acceptance of the updated policy.