Last Updated: February 24, 2026
These Terms govern your use of services by Kolby Carrouth, an independent sole proprietor insurance agency in Spartanburg, SC, including
www.mylocalins.com and SMS for appointment confirmations/reminders. Services include assisting with auto, home, life, Medicare (Supplement, Advantage, Part D), and ACA Marketplace plans via consultations, quotes, policy management, and scheduling.
1. Services We provide independent insurance agency services. SMS are transactional only (appointment confirmations/reminders). Communications comply with South Carolina insurance laws, TCPA, and federal CMS regulations for Medicare/ACA.
2. SMS/Text Messaging Program Message Types: Appointment confirmations/reminders (e.g., scheduling for quotes, reviews, renewals). Opt-In: Via website forms, text replies, verbal phone consent, in-person, or email. We document consents per CMS requirements for Medicare/ACA. Frequency: Varies/low. Message & data rates may apply. Opt-Out: STOP to unsubscribe; HELP for info. Carrier Disclaimer: Carriers not liable for issues.
3. User Responsibilities Provide accurate info; consent only for discussed services. For Medicare/ACA, explicit consent required before assistance.
4. Limitations of Liability Services "as is." No liability for message issues, insurance outcomes (review policy docs), or indirect damages. No warranties on service continuity.
5. Important Disclaimers We are independent/not government-affiliated. Medicare/ACA have specific rules—verify with official sources. Not legal/medical advice.
6. Contact Us Email: [email protected] Phone: 864-909-2586
7. Governing Law South Carolina laws.
8. Changes Continued use = acceptance.