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GM Insurance Agency LLC ("we," "our," or "us") respects your privacy. This policy explains how we collect, use, share, and protect your personal information when you visit our website, request a quote, become a customer, or otherwise interact with us. It applies to current and former customers and all website visitors.
We collect the following categories of personal information. The specific types depend on the products and services you request.
| Category | Examples |
|---|---|
| Identifiers | Name, address, phone, email, IP address, driver's license number, date of birth, online identifiers. |
| Insurance & financial information | Policy coverage, premium history, claims history (CLUE reports), credit-based insurance scores (where permitted), payment card/bank details. |
| Commercial information | Products or services considered/purchased, quotes obtained. |
| Internet/electronic activity | Browsing history, search queries, interaction with emails, cookie data, pixel tags. |
| Geolocation data | General location (IP address); precise location only with your consent (e.g., roadside assistance). |
| Sensitive personal information | Driver's license, state ID, SSN (when required for underwriting), account credentials, precise geolocation, health information related to claims. Used only as necessary for insurance services, fraud prevention, or legal compliance. |
| Inferences | Risk profiles, driving behavior insights (where applicable), preferences derived from collected data. |
Sources: We collect information directly from you (forms, quotes, payments), from third parties (consumer reporting agencies like LexisNexis, CLUE, motor vehicle departments, claims databases), and automatically via cookies and similar technologies (see Section 7).
We do not use automated decision-making that produces legal effects without human review, except as permitted by insurance laws.
We do not sell your personal information for money. We share information only as necessary to provide our services and as permitted by law, including:
IMPORTANT – SMS & MOBILE DATA: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All mobile opt‑in data and consent are used exclusively by GM Insurance Agency LLC to deliver the text messages you have requested. This information is never sold, rented, or shared with any third party for their own marketing purposes.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
To provide insurance quotes and policies, information submitted through our website may be transmitted to insurance carriers, underwriting companies, and service providers necessary to fulfill your request. These entities are contractually obligated to protect your information and use it only for authorized purposes.
To deliver text messages to you, we use trusted third‑party SMS aggregators and platform providers. These include, but are not limited to, Twilio, Telnyx, Bandwidth, Sinch, MessageBird, and the messaging infrastructure provided by GoHighLevel (our customer relationship and marketing platform).
These aggregators are strictly prohibited from using your mobile opt‑in data or consent for any purpose other than transmitting the messages you have requested on our behalf. They are contractually bound to keep your information confidential and may not share, sell, or rent it to any third party.
If we add or change aggregators in the future, this policy will be updated accordingly, and we will continue to ensure that your opt‑in data is never used for external marketing.
We collect and use sensitive personal information only for purposes permitted under applicable law, including:
We do not use sensitive personal information to infer characteristics about consumers beyond these purposes.
In the event of a data breach affecting personal information, we will provide notice as required by applicable federal and state laws.
We retain personal information as long as necessary to fulfill the purposes in this policy, comply with legal obligations (e.g., state insurance record retention – typically 5-10 years), resolve disputes, and enforce agreements. When no longer needed, we securely delete or anonymize data. We use reasonable administrative, technical, and physical safeguards, but no system is 100% secure.
Marketing emails/SMS: Click "unsubscribe" in emails or reply STOP to texts. Non-marketing messages (policy updates, billing) will continue.
Affiliate marketing sharing: Call (610) 544-4000 to request that we not share your info with affiliates for their own marketing.
State privacy rights (access, deletion, correction, opt-out): Depending on your state (CA, VA, CO, CT, UT, NV, etc.), you may request to know, delete, correct, or opt out of "sales" or targeted advertising (see Section 3). Contact gene.maltsev@gmail.com or (610) 544-4000. We will verify your identity and respond within the timeframes required by law. You may also use an authorized agent with written permission. We will not discriminate against you for exercising your rights.
Our website is not intended for children under 18. We do not knowingly collect personal information from minors.
By providing your telephone number and checking the applicable consent box(es) on our quote form, you expressly consent to receive calls and/or text messages from GM Insurance Agency LLC at the phone number provided, including via automated dialing technology, regarding insurance quotes, policy updates, and related communications.
Consent is not a condition of purchase. You are not required to consent to receive marketing text messages as a condition of receiving insurance quotes or services from us.
1:1 Consent Rule: Your consent is granted specifically to GM Insurance Agency LLC and is not transferable to any other business. We do not share your consent with third parties for their own marketing purposes.
Our messaging program includes:
Message frequency may vary. You will receive messages related to your quote, policy, or requested services. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
You may revoke consent through any reasonable means. We honor opt-out requests submitted via:
We will honor all opt-out requests within a reasonable time (typically within 24 hours). After opting out, you will receive no further text messages from us, except a final confirmation of your opt-out.
For assistance with our text messaging program, reply HELP to any message or contact us at:
We maintain records of consent, including the date, time, IP address, source page, and consent language presented at the time of opt-in where permitted by law. These records may be used to verify consent.
After subscribing, you may receive a confirmation message verifying your enrollment in our SMS program.
Supported carriers: AT&T, Verizon, T‑Mobile, Sprint, US Cellular, and other major U.S. carriers are supported. However, carriers are not responsible for delayed or undelivered messages.
GM Insurance Agency LLC is registered with The Campaign Registry (TCR) for A2P 10DLC messaging, as required by all U.S. carriers. This ensures your messages are delivered reliably and not filtered as spam.
We do not sell your personal information for monetary compensation. However, we use third-party analytics and advertising cookies (e.g., Google Analytics, social media pixels) that may "share" your information for cross-context behavioral advertising (targeted ads). Under the California Consumer Privacy Act (CCPA/CPRA), Virginia CDPA, Colorado CPA, Connecticut CTDPA, Utah UCPA, and similar laws, residents have the right to opt out of this sharing.
Opt-out choices are browser/device specific. Clearing cookies may reset your preferences.
We do not offer financial incentives or different pricing based on privacy rights exercise. You will not be discriminated against.
California residents may ask for information about disclosures of personal information to third parties for direct marketing purposes. We do not engage in such sharing. Requests can be sent to the address above.
Nevada: You may request to be placed on our internal do-not-call list for sales calls. Call (610) 544-4000. Vermont: We will not share your information with affiliates for marketing except as allowed by law.
GM Insurance Agency LLC respects your privacy. We do not sell, rent, trade, or otherwise share your personal information – including your name, email address, postal address, or telephone number – with unaffiliated third parties for their own marketing or promotional purposes.
Mobile & SMS Data: Consistent with A2P 10DLC and CTIA guidelines, any mobile telephone number or opt‑in consent you provide to receive text messages from us will never be shared with, sold to, or disclosed to any third party for their own marketing purposes. Your mobile opt‑in data and consent are used only by GM Insurance Agency LLC to deliver the text messages you have requested (e.g., quotes, policy updates, appointment reminders, and occasional promotional messages as described in our Terms of Service).
Exceptions: We may share your information only in the following limited circumstances, none of which involve third‑party marketing:
If you have any questions about our no‑sharing policy, please contact us at gene.maltsev@gmail.com or call (610) 544-4000.
By accessing this website, you agree to these Terms of Use.
You may use this site only for lawful purposes (e.g., requesting insurance quotes). You may not misuse the site, interfere with its operation, or attempt to bypass security measures.
All content, logos, and design are owned by GM Insurance Agency LLC or our licensors. You may not copy, distribute, or create derivative works without permission.
We may link to external sites (carrier portals, payment processors). We are not responsible for their content or privacy practices.
These terms are governed by the laws of the Commonwealth of Pennsylvania. Disputes shall be resolved in courts located in Delaware County, PA, subject to the arbitration provision below.
We may update these terms at any time. Your continued use constitutes acceptance.
Please read this carefully. It affects your legal rights, including your right to file a lawsuit in court.
You and GM Insurance Agency LLC agree that any dispute, claim, or controversy arising out of or relating to your use of this website, our services, or these terms (including the Privacy Policy) shall be resolved exclusively by binding arbitration, rather than in court, except that you or we may assert individual claims in small claims court if they qualify.
There is no judge or jury in arbitration, but an arbitrator can award the same damages and relief as a court. Class Action Waiver: Each party may bring claims only in an individual capacity, not as a plaintiff or class member in any class, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims.
Arbitration Procedures: The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (available at adr.org). The arbitration shall be held in Delaware County, Pennsylvania, or via remote means. The prevailing party may recover reasonable attorneys' fees and costs unless prohibited by law.
Opt-Out: You may opt out of this arbitration agreement within 30 days of your first use of this website by sending a written notice to the address in Section 9, including your name, address, and a clear statement that you opt out. If you opt out, you retain the right to file a lawsuit in court.
We use cookies, pixels, and similar tracking technologies to enhance user experience, analyze traffic, and deliver relevant content.
| Type | Purpose |
|---|---|
| Strictly Necessary | Enable basic functions (form submission, security, accessibility). Cannot be disabled. |
| Analytics/Performance | Google Analytics, etc. – help us understand site usage and improve. |
| Functional | Remember preferences (cookie consent, language). |
| Targeting/Advertising | We do not currently use third-party advertising cookies. This category is reserved for future use and would only be enabled with your explicit consent via our cookie preferences tool. |
Disabling certain cookies may affect website functionality.
No Coverage Bound: Insurance coverage cannot be bound, altered, or canceled via this website or email. A binding confirmation requires direct communication with a licensed agent and issuance of a formal binder or policy document.
Quotes Are Estimates: Any quote provided is an estimate based on information you supply. Final premium and coverage are subject to underwriting approval by the insurance carrier.
No Warranty: THE INFORMATION ON THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, AND ACCURACY.
Limitation of Liability: TO THE FULLEST EXTENT PERMITTED BY LAW, GM INSURANCE AGENCY LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF THIS SITE.
Indemnification: You agree to indemnify and hold harmless GM Insurance Agency LLC from any claims arising from your use of this website, violation of these terms, or violation of any third-party rights.
GM Insurance Agency LLC is committed to digital accessibility for people with disabilities. We strive to conform to Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. We regularly test our website with automated tools and manual reviews.
If you experience any difficulty accessing any part of this site, please contact us at (610) 544-4000 or gene.maltsev@gmail.com. We will provide the information you need in an accessible format within 5 business days.
If you have questions, wish to exercise privacy rights, report an accessibility issue, opt out of arbitration, or appeal a denial of a privacy request, please contact:
GM Insurance Agency LLC
8600 W Chester Pike, Suite 210
Upper Darby, PA 19082
Phone: (610) 544-4000
Email: gene.maltsev@gmail.com
Attn: Privacy Officer
Right to Appeal: If we deny your privacy request (e.g., access, deletion, correction), you may appeal by emailing us with "Appeal" in the subject line. We will investigate and respond within the timeframe required by applicable law.
We may update this policy from time to time. Material changes will be posted with a revised effective date. Continued use after changes constitutes acceptance.
If you are a California resident and have an unresolved privacy concern, you may contact the California Attorney General's office.