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By opting in to or using a �鶹��ý text messaging service (“Text Messaging Service”), you agree to these SMS/Text Messaging Terms and Conditions. This agreement is between you and �鶹��ý and its subsidiaries. All references to “�鶹��ý,” “we,” “our,” or “us” refer to �鶹��ý, headquartered at 700 Newport Center Drive, Newport Beach, CA 92660, and its subsidiaries.

SCOPE

�鶹��ý may send SMS/text messages to you for purposes of providing information about your ticket or application status. All text messages from �鶹��ý will be sent straight to your mobile device.

Do not send any sensitive personal information, such as your driver’s license, social security number, medical information, user ID, or password, via text message. �鶹��ý may and will retain, monitor your message when required by law.

DEFINITIONS

“Opting In,” “Opt In,” “Opt‑In” refers to requesting, joining, agreeing to, enrolling in, signing up for, acknowledging, responding to, or otherwise consenting to receive one or more text messages from �鶹��ý.

“Text Messaging Service” includes any arrangement in which �鶹��ý sends one or more SMS, MMS, or similar messages to your mobile number using current or future messaging technologies, including an automated telephone dialing system or an automatic texting system.

CONSENTING TO TEXT MESSAGING

By consenting to receive text messages from �鶹��ý, you agree to these SMS/Text Messaging Terms and Conditions, as well as �鶹��ý’s applicable privacy policies, available at Privacy & Other Policies | �鶹��ý.

E‑SIGN DISCLOSURE

By agreeing to receive text messages, you consent to the use of electronic records to document your agreement. You may withdraw your consent at any time by replying STOP.

PACIFIC LIFE TEXT MESSAGING SERVICE – PRIVACY POLICY

�鶹��ý may collect information about you from text messages you send. For more information about our privacy practices, please review our policies at .

This SMS/Text Messaging Terms of Conditions applies only to the Text Messaging Service and does not replace the broader privacy practices outlined in �鶹��ý’s Privacy & Other Policies at Privacy & Other Policies | �鶹��ý.

COSTS OF TEXT MESSAGES

�鶹��ý does not charge you for messages sent or received through the Text Messaging Service. However, message and data rates may apply depending on your wireless plan or provider. You remain responsible for any and all charges imposed by your mobile carrier related to text messaging.

If you have questions about specific fees and charges, please contact your mobile carrier directly.

FREQUENCY OF TEXT MESSAGES

You may receive an initial welcome or informational message. Additional messages will vary depending on your interactions, requests for assistance (such as texting HELP), or ongoing communication needs.

�鶹��ý does not guarantee the timing or actual receipt of any text messages, as this may be affected by factors outside of our control.

WHAT MOBILE CARRIERS ARE SUPPORTED

Text messaging may not be available through all mobile carriers. Participating mobile carriers include, but are not limited to AT&T, T-Mobile, U.S. Cellular, and Verizon. Additional carriers may be added at any time.

Text Messages are subject to any terms and conditions by your mobile carrier.

OPTING OUT OF TEXT MESSAGES

You may opt out at any time by replying STOP to any �鶹��ý message.

Because the Text Messaging Service may involve different �鶹��ý representatives, opt‑outs apply to each specific messaging thread and sending phone number. After you opt-out, �鶹��ý may send a confirmation message.

CONTACT US

For support related to the Text Messaging Service, text HELP for help or contact, contact us at (844) 752-2863, or visit the Contact Us page at /home/contact-us-online.html.

�鶹��ý may modify or terminate its SMS/Text Messaging Service at any time, for any reason and without notice, including the right to terminate SMS/Text Messaging Service without liability to you or a third party. �鶹��ý makes no representation or warranties whatsoever regarding the SMS/text messages or the Text Messaging Service, which is provided on an “as is” and is “as available” basis, without any express or implied warranties of any kind.