Terms and Conditions
1. Acceptance of Terms By accessing or using the website for Insurance Solutions Group dba Luis Sarmiento Agency, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you are prohibited from using this site.
2. Insurance Quotes and Coverages All quotes generated through our website, including those facilitated by third-party integrations, are estimates based on the information provided. A quote does not constitute a binding contract, an offer of insurance, or a guarantee of coverage. Final rates and policy issuance are subject to underwriting approval by the respective carrier.
3. SMS/Text Messaging Policy (A2P 10DLC Compliance) To comply with The Campaign Registry (TCR) and telecommunication regulations, the following terms apply to all mobile communications:
Opt-In: By providing your mobile phone number, you voluntarily consent to receive text messages from Insurance Solutions Group dba Luis Sarmiento Agency regarding your insurance quotes, policy updates, billing notices, and general customer service.
Data Restrictions: We do not share text message opt-in consents or related mobile telephone numbers with third parties, except with our service providers and vendors to provide our SMS Services. Your mobile information will not be shared, sold, or distributed to any third parties or affiliates for marketing or promotional purposes.
Opt-Out Protocol: You may opt out of the SMS services at any time. Reply STOP, QUIT, CANCEL, OPT-OUT, or UNSUBSCRIBE to any message from us to revoke your consent.
Support: For assistance or technical support regarding mobile messaging, reply HELP to any message from us.
Rates and Frequency: Message frequency will vary depending on your interactions with our agency. You are responsible for any message and data rates imposed by your mobile provider, as standard data and message rates may apply.
4. Third-Party Integrations Our digital infrastructure utilizes embedded third-party services to capture lead data and import insurance records. While we mandate strict security protocols, Insurance Solutions Group dba Luis Sarmiento Agency is not liable for the independent privacy practices, terms of use, or operational uptime of these external service providers.
5. Limitation of Liability The site and SMS services are offered on an "as-is" basis. Insurance Solutions Group dba Luis Sarmiento Agency and its service providers will not be liable for any failed, delayed, or misdirected delivery of any message or information sent through the website or SMS services. To the fullest extent permissible by law, we are not responsible for any direct, indirect, incidental, or consequential damages arising from your use of this digital platform.
6. Modifications We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of the website following any changes indicates your acceptance of the new terms.