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Terms & Conditions

SMS Terms & Conditions
​

Company: NM Family & Business Insurance
Website: www.nmfbi.com
Effective Date: January 18, 2026


These SMS Terms & Conditions (“Terms”) govern your participation in the NM Family & Business Insurance SMS/text messaging program (the “Program”). By opting in to receive SMS/MMS messages from us, you agree to these Terms.

1) Program Description
By opting in, you may receive SMS and/or MMS messages from NM Family & Business Insurance, which may include:
  • Account or policy-related messages (e.g., reminders, updates, renewal notices)
  • Customer service and support messages
  • Marketing or promotional messages (if you opted in to marketing)

​2) Message Frequency
Message frequency varies based on your interactions with us and your selected preferences.

3) Opt-In / Consent
You can opt in to the Program by [web form / checkbox / keyword / written consent / other]. By opting in, you authorize us to send text messages using an automatic telephone dialing system and/or prerecorded messages as applicable.
Consent is not a condition of purchase.

4) Cost and Carrier Rates
Message and data rates may apply based on your mobile plan. Carriers are not liable for delayed or undelivered messages.

5) Supported Carriers
The Program should work with most major U.S. carriers. Program availability may vary by carrier and device.

6) Opt-Out (STOP)
You can cancel at any time by replying STOP to any message. After you send STOP, you may receive one final confirmation message, and then you will no longer receive messages from that number unless you opt in again.

7) Help (HELP)
  • For help, reply HELP to any message or contact us at:
  • Phone: [Your phone]
  • Email: [Your email]

8) Privacy
Your participation is subject to our SMS & Marketing Privacy Policy (or “Privacy Policy”), available on our website.
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. This excludes text messaging opt-in data and consent, which will not be shared with any third parties.

9) Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) and the authorized user of the mobile number you enroll.

10) Changes to the Program or Terms
We may update or modify the Program or these Terms at any time, including changing message frequency, short code/long code numbers, or the types of messages sent. Updates will be posted with a revised “Last Updated” date. Continued participation after changes means you accept the updated Terms.

​11) Termination
We may suspend or terminate your participation in the Program if we believe you are violating these Terms, your messages create legal/compliance risk, or to protect the security and integrity of the Program.

12) Disclaimer of Warranties
The Program is provided on an “as is” and “as available” basis. We do not guarantee that messages will be delivered without delay, interruption, or errors.

13) Limitation of Liability
To the fullest extent permitted by law, NM Family & Business Insurance will not be liable for any damages arising from or related to the Program, including delays or failures in message delivery.

14) Contact

​NM Family & Business Insurance
Website: www.nmfbi.com

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NM Family and Business Insurance
5345 Wyoming Blvd NE
Suite 110
Albuquerque, NM 87109
(505) 257-9595
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Las Cruces and the Organ Mountains photo by Abraham Sanogo | CC-BY-3.0
​After 3 hours of driving, we see civilization- and celebrate - panoramio photo by AudreyIski | CC-BY-SA-3.0
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