política de privacidad

Terms of Service

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Welcome to the website of H&M Insurance Agency ("we," "us," or "our"). By accessing or using our website, services, or requesting a quote, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

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1. Scope of Services

H&M Insurance Agency is an independent insurance agency based in Philadelphia, Pennsylvania. We connect consumers and businesses with insurance providers to secure coverage including, but not limited to, auto, home, commercial, and life insurance.

• No Binder of Insurance: Submitting a request for a quote, sending an email, or leaving a voicemail does not constitute a binder of insurance. Coverage cannot be bound, altered, or canceled without direct confirmation from a licensed agent at H&M Insurance Agency.

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2. Eligibility & Use of the Site

To use our services, you must be at least 18 years old and capable of forming a legally binding contract. You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others.

3. Accuracy of Information

You are responsible for ensuring that all information you provide to us (for quotes, applications, or policy renewals) is accurate, complete, and up to date.

• Providing false or misleading information may result in the denial of claims, voiding of insurance policies by the carrier, or the termination of our services.

4. Privacy Policy

Your privacy is important to us. Our collection and use of your personal information are governed by our Privacy Policy, which complies with federal guidelines and Pennsylvania state laws. By using our services, you consent to the collection and use of data as outlined therein.

5. Third-Party Links & Insurance Carriers

Our website may contain links to third-party websites, including insurance carrier portals.

• H&M Insurance Agency does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

• Your quotes, policies, and claims are ultimately subject to the specific terms, conditions, and exclusions of the insurance carrier issuing your policy.

6. Intellectual Property

All content on this website—including text, graphics, logos, icons, and software—is the property of H&M Insurance Agency or its content suppliers and is protected by United States copyright and trademark laws. You may not reproduce, distribute, or modify any content without our express written consent.

7. Limitation of Liability

To the fullest extent permitted by law, H&M Insurance Agency, its officers, employees, or agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, this website or our services.

This includes, but is not limited to, reliance on any information obtained from the site, or damages resulting from mistakes, omissions, deletions, or delays in operation.

8. Governing Law & Jurisdiction

These Terms and your use of our website are governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law principles. Any legal action arising out of these Terms must be filed in the state or federal courts located in Philadelphia County, Pennsylvania.

9. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Any changes will be posted on this page with an updated "Effective Date." Your continued use of our website or services after changes are posted constitutes your acceptance of the revised Terms.

10. Contact Information

If you have any questions or concerns regarding these Terms of Service, please contact us at:

H&M Insurance AgencyPhone

(215) 745-8001

Serving Pennsylvania & New Jersey