Text Messaging Terms and Conditions

Effective date: August 24, 2026

These Terms govern Harper's text messaging (SMS and MMS) program. They are in addition to Harper's Privacy Policy.

1. About this program

Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency ("Harper," "we," "us," or "our"), is a commercial insurance brokerage. We use text messaging to communicate with prospective and current customers about commercial insurance quotes, applications, policies, and servicing.

Messages are sent from Harper business numbers, including (628) 203-0003.

2. How you consent to receive messages

You may be enrolled in Harper's text messaging program through any of the following:

• Submitting your mobile number through a form on harperinsure.com and checking the consent box
• Providing your mobile number to a Harper representative during a phone call
• Providing your mobile number on a written or in-person form at an event
• Replying to a message from a Harper number
• Replying YES, START, or UNSTOP to a Harper message

After you provide your number, we send a confirmation message describing the program and asking you to reply YES to confirm. Consent is not a condition of purchasing any product or service from Harper.

Website forms that collect a mobile number include a consent checkbox that is unchecked by default. The checkbox discloses message frequency, that message and data rates may apply, how to get help, how to opt out, and links to these Terms and Harper's Privacy Policy.

3. Messages you may receive

Messages relate to your insurance relationship with Harper, including:

• Quotes, applications, and requested coverage options
• Requests for information or documents needed to complete an application
• Policy servicing, changes, and certificates
• Billing and premium finance reminders
• Renewal reminders and follow-ups
• Responses to questions you send us

4. Message frequency

Message frequency varies and depends on your activity with Harper and the status of your quote or policy.

5. Cost

Message and data rates may apply. Harper does not charge for the messages themselves. Your mobile carrier may charge you according to your plan.

6. Getting help

Reply HELP to any Harper message for assistance. You may also contact us using the information in Section 15.

7. Opting out

Reply STOP to any Harper message to stop receiving text messages from that number. We also honor CANCEL, QUIT, END, OPTOUT, UNSUBSCRIBE, STOPALL, and REVOKE.

After you opt out, we send one confirmation message and then stop sending text messages from that number. Opting out of text messages does not opt you out of email or phone contact, and it does not cancel any insurance policy.

8. Rejoining

Reply START, UNSTOP, or YES to resume receiving text messages, or contact us and ask to be re-enrolled.

9. Delivery and carriers

Delivery is subject to your carrier's network and is not guaranteed. Carriers are not liable for delayed or undelivered messages. Do not rely on text messaging for time-sensitive or emergency matters.

10. Your mobile information is not shared or sold

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are excluded from any category of information that Harper shares, and this information will not be shared with any third parties.

Harper may share information with service providers who help operate the messaging program (for example, our messaging platform provider), solely so they can provide that service to us.

11. Text messages are not an insurance contract

Text messages are for communication and convenience only. No text message binds, changes, renews, or cancels insurance coverage. Coverage is effective only when confirmed in writing by Harper and the applicable insurance carrier. Quotes described by text are estimates and are subject to carrier underwriting, review, and final documentation.

12. Eligibility

This program is intended for business customers and adults in the United States. You must be the subscriber of, or authorized user of, the mobile number you provide. If you give up that number, you agree to notify Harper.

13. Privacy

Information collected through this program is handled according to Harper's Privacy Policy.

14. Changes

Harper may update these Terms. We will update the effective date above when we do. Material changes may be communicated by additional notice.

15. Contact

If you have questions about this messaging program, contact: