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By accessing or using the website www.geneteaminsurance.com (the "Site") owned and operated by GM Insurance Agency LLC ("we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Site.
We may update these Terms from time to time. Continued use of the Site after any changes constitutes acceptance of the new Terms.
The Site and the services offered by GM Insurance Agency LLC are intended solely for individuals who are at least 18 years of age. By using the Site, you represent and warrant that you are 18 years of age or older. If you are under 18, you are strictly prohibited from using the Site, submitting any information (including quote requests), or communicating with us through the Site.
We do not knowingly collect personal information from anyone under 18. If we become aware that a person under 18 has provided us with personal information without parental consent, we will delete that information promptly. If you believe a minor has submitted information to us, please contact us at gene.maltsev@gmail.com.
You may use the Site only for lawful purposes, such as learning about insurance products, requesting quotes, and contacting our agency. You agree not to:
Any insurance quote provided through this Site is an estimate only. Final premiums, coverage terms, and policy issuance are subject to underwriting approval by the applicable insurance carrier. Submitting a quote request does not bind insurance coverage. Coverage can only be bound or altered by a written binder or policy document issued by a licensed agent after full underwriting.
We reserve the right to refuse services, quotes, or requests where permitted by law.
All content on this Site – including text, graphics, logos, icons, images, video clips, and software – is the property of GM Insurance Agency LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or republish any content without our express written permission.
The GM Insurance Agency name and logo are trademarks of GM Insurance Agency LLC. Other product and company names mentioned on the Site may be trademarks of their respective owners.
If you submit comments, reviews, suggestions, or other feedback (collectively "User Content") to us through the Site, you grant us a perpetual, irrevocable, royalty‑free, worldwide license to use, modify, and display that User Content for any purpose, including improving our services or marketing. You represent that you own or have permission to share such User Content and that it does not violate any third‑party rights.
THE SITE AND ALL INFORMATION, CONTENT, AND MATERIALS PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, GM INSURANCE AGENCY LLC DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON‑INFRINGEMENT, SECURITY, AND ACCURACY.
We do not warrant that the Site will be uninterrupted, error‑free, free of viruses or other harmful components, or that any defects will be corrected.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GM INSURANCE AGENCY LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, DATA, OR GOODWILL) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to you. In such states, our liability is limited to the fullest extent permitted by law.
You agree to indemnify, defend, and hold harmless GM Insurance Agency LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your use of the Site, or your violation of any third‑party rights.
The Site may contain links to third‑party websites or services (e.g., insurance carrier portals, payment processors). These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, privacy practices, or terms of use of any third‑party site. You access such sites at your own risk.
By providing your telephone number and checking the applicable consent box(es) on our quote form, you expressly consent to receive text messages from GM Insurance Agency LLC at the phone number provided, including via automated dialing technology, regarding insurance quotes, policy updates, appointment reminders, 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 SMS program may include:
Message frequency may vary. You may receive multiple messages depending on your interactions with us. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
We maintain records of SMS consent where permitted by law, including the date, time, consent language presented, source form, and technical information associated with the opt‑in. These records may be used to verify consent for compliance and regulatory purposes.
After subscribing to receive text messages, you may receive a confirmation message verifying your enrollment before additional messages are delivered.
You may revoke your consent at any time using any reasonable means, as required by FCC rules:
After you send an opt‑out request, we will send a confirmation message. Following confirmation, you will no longer receive SMS messages from us, typically within 24 hours. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
For assistance, reply HELP to any message. You may also contact us directly:
Supported carriers: AT&T, Verizon, T‑Mobile, US Cellular, and other major U.S. carriers. However, carriers are not responsible for delayed or undelivered messages.
Our messaging program complies with applicable A2P 10DLC registration and carrier requirements.
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.
We do not share your mobile opt‑in data or consent with third parties for marketing purposes. See our Privacy Policy for full details, including our use of SMS aggregators (Twilio, Telnyx, Bandwidth, Sinch, MessageBird, and GoHighLevel) solely to deliver your messages.
These Terms and your use of the Site shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of laws principles.
Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or our services (except for claims that qualify for small claims court) shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall take place in Delaware County, Pennsylvania, or by remote means. The arbitrator's decision shall be final and binding, and judgment may be entered in any court having jurisdiction.
Class Action Waiver: Each party agrees that any dispute resolution proceeding will be conducted only on an individual basis and not as a class, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims.
Opt‑out of Arbitration: You may opt out of this arbitration agreement by sending a written notice to us within 30 days of your first use of the Site. The notice must include your name, address, and a clear statement that you opt out. Send to: GM Insurance Agency LLC, Attn: Privacy Officer, 8600 W Chester Pike, Suite 210, Upper Darby, PA 19082.
We may suspend or terminate your access to the Site at any time, without notice or liability, for any reason, including if you violate these Terms. Upon termination, your right to use the Site will cease immediately. Sections that by their nature should survive (e.g., disclaimer of warranties, limitation of liability, indemnification, governing law) shall survive termination.
If you have any questions about these Terms, please contact us at:
GM Insurance Agency LLC
8600 W Chester Pike, Suite 210
Upper Darby, PA 19082
Phone: (610) 544-4000
Email: gene.maltsev@gmail.com