Last Updated: 7/25/2025
Welcome to Herzka Insurance Agency ("we," "us," or "our") and our website https://herzkainsurance.com (the "Site").
These Terms and Conditions ("Terms") govern your use of our Site and SMS/text messaging services. By using our Site or opting into SMS, you agree to these Terms.
1. Use of the Site
- Eligibility: You must be at least 18 (or the age of majority in your jurisdiction) to use the Site.
- Permitted Use: Use the Site only for lawful purposes, such as requesting insurance quotes or contacting us.
- Prohibited Actions: Do not engage in illegal activities, attempt unauthorized access, or copy Site content without permission.
- Accounts: You are responsible for securing your account and notifying us of unauthorized use.
2. SMS/Text Messaging
- Consent: By opting in, you consent to receive marketing or non-marketing texts, including autodialed messages, at the provided mobile number. Opt-in is not required to purchase services.
- Program: Texts may include quotes, policy updates, reminders, or promotions. Message frequency varies (disclosed at opt-in).
- Cost: Standard message and data rates may apply.
- Opt-Out: Reply "STOP" to any message to unsubscribe. You may receive a confirmation text.
-Privacy: SMS data (e.g., phone number) is used per our Privacy Policy . We do not sell your data.
- Carriers: Supported by major carriers; we are not liable for delivery issues.
- Compliance: We comply with laws like the TCPA.
3. Insurance Services
- Role: We are a broker, not an insurer. Policies are subject to insurer terms and approval.
- Accuracy: You must provide accurate information for quotes or services. We are not liable for errors due to inaccurate data.
- No Guarantee: Quotes and coverage are not guaranteed and depend on insurer approval.
4. Intellectual Property
Site content (e.g., text, logos) is protected by copyright and trademark laws. Do not use without our written consent.
5. Limitation of Liability
To the extent permitted by law, we are not liable for indirect or consequential damages from Site or SMS use. Services are provided "AS IS" without warranties.
6. Dispute Resolution
Disputes will be resolved through binding arbitration under the American Arbitration Association’s rules in [NY, USA]. Each party bears its own costs.
7. Termination
We may suspend or terminate your access for violating these Terms. You may stop using the Site or opt out of SMS anytime.
8. Third-Party Links
We are not responsible for third-party website content or practices linked from our Site.
9. Governing Law
These Terms are governed by [NY, USA] law. Courts in [NY, USA] have exclusive jurisdiction for non-arbitrated disputes.
10. Contact Us
For questions, contact:
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