1. Acceptance of Terms
By accessing or using the H&M Insurance Agency website (the “Site”), you agree to these Terms & Conditions. If you do not agree, please discontinue use of the Site.

2. About H&M Insurance Agency
H&M Insurance Agency (“we,” “our,” “us”) is an independent insurance agency serving Pennsylvania and New Jersey. We provide insurance quotes, policy assistance, and related services through licensed carriers.

3. No Guarantee of Coverage
Submitting information through our website does not:
- bind coverage
- guarantee coverage
- create an insurance policy
- create an agent‑client relationship

Coverage is only effective after approval by the insurance carrier and payment of any required premium.

4. Accuracy of Information
You agree that all information you submit is accurate and truthful. Providing false or incomplete information may result in inaccurate quotes, denial of coverage, or cancellation of coverage.

5. Quotes & Pricing
Insurance quotes provided by H&M Insurance Agency are estimates only. Quotes are based on the information you provide and are subject to underwriting review and change by the carrier.

6. Third‑Party Carriers
We partner with various insurance carriers to provide quotes and policies. These carriers are independent third parties. We are not responsible for carrier decisions, underwriting, delays, or policy terms. Carrier names, logos, and trademarks belong to their respective owners.

7. Website Use
You agree not to misuse the Site, attempt unauthorized access, use the Site for fraudulent purposes, or copy/distribute Site content without permission. We may suspend access for misuse.

8. Privacy & Data Collection
We collect information you voluntarily submit for the purpose of providing insurance quotes and services. For details on how your information is handled, please review our Privacy Policy.

9. Electronic Communications
By submitting your information, you consent to receive phone calls, text messages, and emails regarding your insurance inquiry. You may opt out at any time.

10. No Professional Advice
Information on this Site is for general informational purposes only and should not be considered legal, financial, or tax advice. For specific advice, consult a licensed professional.

11. Limitation of Liability
H&M Insurance Agency is not liable for errors or omissions on the Site, delays in service, actions of third‑party carriers, or technical issues. Your use of the Site is at your own risk.

12. Changes to These Terms
We may update these Terms & Conditions at any time. Continued use of the Site means you accept the updated terms.

13. Contact Information
If you have questions about these Terms, contact us:

H&M Insurance Agency
Phone: (your number)
Email: (your email)
Serving Pennsylvania & New Jersey