Terms of service

1. Overview
This policy outlines how Royal Claims Services Ltd. (“RCS”, “we”, “us”, or “our”) collects, uses, and protects personal information in connection with our SMS (text messaging) services. By opting in to receive SMS messages, you agree to the terms below.Our SMS service is used only for non-marketing, informational purposes related to your insurance claim. Participation is voluntary, and your consent can be withdrawn at any time.

 
2. Types of SMS Messages You May Receive
Once opted in, you may receive messages that include, but are not limited to:

Claim submission confirmations
Requests for documentation (e.g., Proof of Loss, receipts)
Appointment notices or scheduling updates
Notifications of status changes or claim milestones
Payment, settlement, or closure updates
Contact or support information
No promotional or third-party messages will be sent via this service.

 
3. Consent and Opt-In
You may opt in through:

A checkbox on our secure web portal when submitting a claim
Verbal consent recorded by an adjuster
Texting a keyword (e.g., START) to a dedicated RCS number
By opting in, you authorize RCS to send SMS messages to the number provided. You confirm that you are the subscriber or authorized user of that number.

 
4. Message Frequency and Charges
Message frequency will vary based on your claim’s activity and requirements.
Standard message and data rates may apply, depending on your mobile carrier and plan.
You are solely responsible for any charges incurred.
 
5. Opt-Out Instructions
You may opt out at any time by replying with any of the following keywords:

STOP, QUIT, END, CANCEL, REVOKE, UNSUBSCRIBE
You will receive a confirmation message and will no longer receive SMS communications from us unless you re-enroll by replying START.

 
6. Help and Support
If you require assistance with SMS communications, reply HELP, or contact us directly:
📧 [email protected]
📞 1-866-347-6128
📍 Suite 502–850 W. Hastings St. Vancouver, BC V6C 1E1

 
7. Personal Information and Privacy
We collect and store only the personal information necessary to provide this service, including:

Mobile phone number
Name (if provided)
Claim reference number
Message history
This information is used solely for SMS communication regarding your insurance claim. We do not share, sell, or disclose this data to third parties for marketing purposes.

We follow the principles of the Personal Information Protection and Electronic Documents Act (PIPEDA), and any applicable provincial privacy laws. Your data is stored securely and access is limited to authorized personnel.

 
8. Security of Your Information
We use technical, administrative, and physical safeguards to protect your mobile number and any associated data from unauthorized access, disclosure, or misuse. However, no method of transmission over SMS is entirely secure. You acknowledge and accept these limitations.

 
9. Your Responsibilities
You are responsible for:

Ensuring the mobile number provided is accurate and current
Notifying us immediately if your number changes or is reassigned
Understanding your mobile plan and associated carrier costs
 
10. Limitation of Liability
RCS is not liable for:

Delayed or undelivered SMS messages
Inaccurate or incomplete mobile numbers
Charges incurred by your mobile carrier
We are not responsible for any damages or losses arising from the use of SMS communication where consent was properly obtained.

 
11. Changes to this Policy
We may update this SMS Privacy Policy and Terms from time to time to reflect operational, legal, or regulatory changes. We will post the revised version and update the “Effective Date” above.

You are encouraged to review this page regularly. Continued use of our SMS service constitutes your acceptance of any changes.