Terms and Conditions
Terms and Conditions
Effective Date: July 2026
Welcome to KMSG Insurance Agency. These Terms and Conditions (“Terms”) govern your use of our website (https://kmsginsurance.agency) and the insurance services offered through our agency. By accessing or using our website, requesting a quote, or communicating with us, you agree to comply with and be bound by these Terms.
1. Insurance Quotes & Policy Binding Disclaimer
Quotes provided through this website or by our representatives are estimates based on the preliminary information supplied by you. Submitting a request for a quote, information, or application does not constitute a bound policy or immediate coverage. Insurance coverage is only bound and effective once explicitly confirmed in writing by a licensed agent of KMSG Insurance Agency and accepted by the respective insurance carrier.
2. User Responsibilities & Accuracy of Information
You agree to provide accurate, current, and complete information when requesting quotes or communicating with us. Inaccurate or fraudulent disclosures may lead to quote miscalculations, denial of policy issuance, or cancellation of existing coverage by the carrier.
3. SMS and Mobile Text Messaging Terms
By providing your mobile telephone number and opting in through our website forms or direct consent, you authorize KMSG Insurance Agency to send administrative, transactional, and service-related text messages (SMS/MMS) to your mobile device.
- Opt-Out: You can cancel the SMS service at any time by replying “STOP” to any text message received from us. Upon sending “STOP”, you will receive a final confirmation message confirming your unsubscribe status.
- Help: If you experience issues with the messaging system, reply with the keyword “HELP” or reach out directly to support@kmsginsurance.agency.
- Rates & Frequency: Message frequency varies based on your transaction status. Standard message and data rates applied by your mobile carrier may apply.
- Carriers are not liable for delayed or undelivered messages.
4. Intellectual Property
All content on this website—including text, graphics, logos, icons, images, and software—is the property of KMSG Insurance Agency or its content suppliers and is protected by applicable United States copyright and intellectual property laws.
5. Limitation of Liability
In no event shall KMSG Insurance Agency, its directors, employees, or partners be liable for any indirect, incidental, consequential, or punitive damages arising out of your access to or inability to use this website, software integrations, or carrier communication services.
6. External Links & Third-Party Services
Our website may contain links to third-party web portals (such as EZLynx Client Center or insurance carrier portals). We do not control and are not responsible for the privacy practices or content of external websites.
7. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law principles.
8. Contact Information
If you have questions regarding these Terms and Conditions, please contact us at support@kmsginsurance.agency.
