SMS Terms and Conditions

Last Updated: November 13, 2026

1. Program

Spot is an insurance assistant operated by Tools for Enlightenment Inc. ("we", "us"). The Spot text messaging program (the "Program") sends text messages (SMS) from our number, +1 650-200-2718, to people who give us their mobile number. These SMS Terms and Conditions are part of our Terms of Service, and our Privacy Policy explains how we handle your information.

2. How you opt in

You opt in by entering your own mobile number in the Mobile number field on your Spot profile page or on the Spot account setup page. Next to the field we tell you that, by adding your number, you agree to receive texts from Spot, and we link to these SMS Terms and Conditions and to our Privacy Policy. Adding a number is optional. You can also start a conversation by texting our number from the mobile number on your account; we reply only within that conversation. See an example of the opt-in at toolsforenlightenment.org/sms-opt-in.

3. What we text about

Customer care messages about your Spot account: your insurance policies, certificates of insurance, renewals and open requests, questions we need answered to complete a request, links to documents, and replies to the messages you send us. We do not send marketing or promotional texts from this number.

4. Message frequency, rates and consent

Message frequency varies with your account activity and requests. Message and data rates may apply, depending on your mobile plan. Your consent to receive texts is not a condition of buying any product or service.

5. Opt out and help

Reply STOP at any time to stop receiving texts. We send one message confirming you are opted out, and then no more texts. Reply START to opt back in. Reply HELP for help, or contact us at hello@toolsforenlightenment.org. You can also tell Spot in your own words that you want to stop getting texts.

6. Supported carriers

The Program works with major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

7. Privacy

We collect your mobile number and the content of your texts to provide the Program, as described in our Privacy Policy. 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 not shared with any third parties. We share information with service providers, such as our messaging provider, only to deliver the messages.

8. Changes

We may update these SMS Terms and Conditions. The date above shows the last update. Continued use of the Program after an update means you accept the revised terms.

9. Contact

Tools for Enlightenment Inc., hello@toolsforenlightenment.org.