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Verax Insurance Consulting, LLC

SMS Consent and Opt-In

Effective September 9, 2026

This page documents how consent is obtained for the Verax Insurance Consulting notification program, so that it can be verified rather than taken on trust.

There is deliberately no sign-up form on this page. That is not an omission. This program has no public enrollment, and a form would misrepresent how consent is actually collected. Everything below is the real mechanism.

What this program is

Program name: Verax Insurance Consulting Alerts.
Operated by: Verax Insurance Consulting, LLC, a Florida limited liability company, PO Box 297, St. Petersburg, FL 33731. Contact: Tim Kane, Manager.
Sending numbers: +1 727-800-3268 (text), +1 727-353-5900 (automated voice, and inbound text for STOP and HELP).

Tim Kane runs a personal-assistant automation for himself on his own computer. It watches his scheduled jobs, his calendar and a small set of services he depends on. Most of what it produces goes to him by email. This program is the small part that goes out as a text message or an automated voice call, to a short list of people who asked to receive it.

What we send

Three kinds of message, and only these three.

There is no marketing. Nothing is advertised, promoted, offered or sold in any message, and no message is ever sent to a client, a prospect, or anyone who contacts Verax about business.

Who receives messages

Recipients are individuals known personally to Tim Kane. They are described here by role rather than by name and number: publishing the phone number and identity of a private person — particularly an elderly family member — in order to prove that they consented would be a poor way to respect the consent they gave. What is published instead is the category, the procedure, and the record we keep, all of which can be checked.

Role What they receive
The account holder — Tim Kane, Manager of Verax Insurance Consulting, LLC, and the operator of the automation Operational alerts, at his own number, from his own system
His partner — Tommy Bayot Household, travel and escalation alerts
A family member An automated reminder the day before each of her medical appointments
Business associates of the firm Occasional short operational messages relating to work they do with Verax

As of the effective date above, three people are enrolled. Others in the categories above are known to us but are not enrolled and receive nothing: being known is not the same as having consented, and the sending code treats them differently. The list is expected to stay in the single figures. It will never be offered to the public.

There is no public sign-up because there is no public. This program does not solicit phone numbers, does not accept them through any web form, and does not buy, rent, import or otherwise acquire lists. A person who is not personally known to Tim Kane cannot be enrolled by any means.

How a person is enrolled

Enrollment is manual, verbal and in person. A reviewer can follow these steps exactly as they happen.

  1. The person asks. They ask Tim Kane to have his assistant send them these messages. The request originates with them; nobody is enrolled who has not asked.
  2. They read this page. It is the program disclosure: who is sending, what is sent, how often, what it costs, what happens to their number, and how to stop.
  3. They give their agreement, in person and out loud, in the words set out under “The consent statement” below.
  4. Tim Kane writes the consent record and the number by hand. Both go into the assistant's recipient registry — a literal list in the source file lib/alerts.py on his own machine. The sending code refuses any destination that is not in that registry with a consent record beside it. There is no database, no import path, and no API call, web request or inbound message that can add an entry. Adding a recipient requires a deliberate code change only Tim Kane can make.
  5. Their first message identifies the sender and carries the opt-out. “Verax Insurance Consulting: you are now receiving alerts from Tim Kane's assistant. Reply STOP to opt out, HELP for help.”

The consent statement

This is the exact wording each recipient agrees to at step 3. It is reproduced here in full so that this page is the consent artifact rather than a description of one.

“I have read the Verax Insurance Consulting SMS disclosure at veraxins.com/sms-consent. I am asking Tim Kane to send automated text messages and automated voice calls from his assistant system to my number. I understand that these are operational notifications and reminders and not marketing; that the frequency is typically a few messages per week, and more during an active alert; that message and data rates may apply; and that my consent is not a condition of any purchase or of any service Verax provides. I understand that I can stop the messages and the calls at any time by replying STOP, and get help by replying HELP.”

The record we keep

A consent record is written for each recipient before anything is sent to them, and it is kept for as long as they remain enrolled and afterwards. Each record holds:

Those records are not published here, for the same reason the roster is not: they identify private individuals. They are retained by Verax Insurance Consulting, LLC and are available to a carrier, an aggregator or a regulator on request. Opt-outs are recorded the same way, with the date, the keyword used and the channel it arrived on.

How to stop — and what stopping covers

Opting out stops everything from this sender. Not one program, not one number, not just text: an opt-out puts the number on a single suppression list that is checked before every text message and before every automated voice call this system places. That is deliberate, and it is what the FCC's cross-channel opt-out rule requires.

Reply START to opt back in. Nothing else re-subscribes a number — not a later message, not a phone call to the sender, and not time passing.

Program disclosures

Your mobile information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Numbers are never sold, rented or traded. The only third parties that ever see a recipient's number are Twilio, the messaging provider that transmits the message on our behalf, and its carrier partners — which is unavoidable in delivering a message. Full detail is in the Privacy Policy.

Sample messages

Real output from the system, with the parts that vary shown in [brackets]. The last one can be checked directly: text HELP to a sending number and that is the reply you get.

Contact

Verax Insurance Consulting, LLC
Tim Kane, Manager
notices@veraxins.com
727-353-5900
PO Box 297, St. Petersburg, FL 33731