SMS Terms

1. Who sends the messages

BKFlow is a software platform operated by B&B Dropshipping LLC, doing business as BKFlow ("BKFlow", "we", "us"), used by licensed independent insurance agents and agencies to operate their book of business. Every text message sent through the Platform is sent by the agent, on a phone number that has been registered under the agent's own A2P 10DLC brand and campaign with the U.S. Campaign Registry (TCR) and the wireless carriers. BKFlow is the messaging tooling; the agent is the sender of record.

2. How recipients opt in

Agents may add a phone number to BKFlow only after one of the following documented consent events has occurred:

• Web form:the recipient submitted a contact, quote, or appointment-request form on the agent's website where the SMS-consent disclosure (“by submitting, you agree to receive SMS from {agent}, reply STOP to opt out, msg & data rates may apply”) was visible above the submit button.
• Phone consultation: during a live call, the agent read the consent disclosure and the recipient verbally agreed. The agent logs the consent timestamp and source in the BKFlow CRM.
• SMS reply: the recipient replied YES, START, CONFIRM, or SUBSCRIBE to an invitation message sent from a number the recipient had previously provided to the agent.

Every consent record is stored with a timestamp and source attribution and can be produced on request by the agent.

3. How recipients opt out

Reply STOP to any message and the platform removes the recipient from further sends instantly. The following keywords are honored automatically and are case-insensitive:

STOP · CANCEL · END · QUIT · UNSUBSCRIBE

Once removed, the agent cannot text the number again on BKFlow without the recipient first opting back in via STOP's reciprocal keywords (START, YES, SUBSCRIBE, CONFIRM). A one-time confirmation reply is sent automatically; no further messages follow.

4. HELP and support

Reply HELP or INFOto any message and the platform replies with a one-time message containing the licensed agent's contact information so the recipient can reach the human responsible for the conversation. The platform itself does not provide insurance, quote, or claims advice.

5. Message frequency

Frequency varies by recipient and use case. Typical workflows on BKFlow are 1–4 messages per recipient per month, covering policy renewals, appointment confirmations, quote follow-ups, and direct replies to inbound questions. The agent controls cadence; BKFlow does not send promotional or third-party content.

6. Message and data rates

Message and data rates may apply, set by the recipient's wireless carrier. BKFlow and the agent do not bill recipients for messages received. Recipients should check their plan if rates are a concern; opting out via STOP is free and immediate regardless of plan.

7. We do not share consumer phone numbers

BKFlow does not sell, rent, share, or trade consumer phone numbers with any third party for marketing, promotional, or advertising purposes. Phone numbers are transmitted only to Twilio Inc. (and only for the purpose of delivering the SMS messages the agent has chosen to send) and to wireless carriers as required for delivery. Numbers are never shared with affiliates, lead-aggregators, or advertising networks.

8. Carrier and platform limits

Sole proprietor 10DLC campaigns are subject to a T-Mobile–enforced limit of 1,000 messages per day. Standard (LLC, Corporation, Partnership) campaigns have no per-day cap. All campaigns are subject to throughput restrictions assigned at registration by carriers and TCR; we do not override these.

9. Carrier disclaimer

Wireless carriers (AT&T, Verizon, T-Mobile, US Cellular, etc.) and SMS aggregators (Twilio) are not liable for delayed or undelivered messages.

10. Questions

Email bkflowconsulting@gmail.com for SMS-related questions. For agents, BKFlow operations, or compliance inquiries, see our Terms of Service and Privacy Policy.