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Important information for your use of our website and texting.
1. General Information
These Terms and Conditions govern your use of our website, services, and communications, including but not limited to text messages related to insurance inquiries, policy updates, and promotional offers.
2. Brand Name and Business Operations
YMI Insurance operates under the registered name YMI Agency, Inc. and provides insurance-related services, including policy consultation, coverage reviews, and claims assistance.
3. Text Messaging Program
3.1 Types of Messages
By opting in to receive text messages from YMI Insurance, you may receive:
- Policy updates and renewal reminders
- Claims assistance and notifications
- Promotional offers and special announcements
- General customer support messages
3.2 Message Frequency
Message frequency varies depending on your interaction with YMI Insurance. However, we will not send excessive or unnecessary messages.
3.3 Charges & Fees
Standard message and data rates may apply based on your mobile carrier’s plan. YMI Insurance is not responsible for any additional charges you may incur.
3.4 How to Opt-In
By submitting your phone number on our website or through other registration methods, you expressly agree to receive text messages from YMI Insurance. You acknowledge that consent to receive text messages is not a condition of purchasing any insurance policy or service.
3.5 How to Opt-Out
You can opt out at any time by:
- Replying STOP to any text message received from us
- Contacting us at hello@ymiagency.com
Once you opt out, you will no longer receive text messages, except for transactional messages required by law (e.g., policy renewal notifications).
3.6 Customer Support
For assistance, reply HELP to any text message or contact us at:
📧 hello@ymiagency.com
📞 570-421-7300
4. Privacy Policy
Your personal information is protected in accordance with our Privacy Policy. We do not sell, rent, or share mobile numbers or opt-in data with third parties for marketing or promotional purposes. View our full Privacy Policy for more details on how we collect, use, and protect your data.
5. Use of Website & Services
By using our website, you agree to not:
- Provide false or misleading information
- Use our services for unlawful purposes
- Interfere with the website’s functionality or attempt unauthorized access
We reserve the right to terminate or restrict access to our website and services if we determine any violation of these Terms.
6. Disclaimers & Limitation of Liability
6.1 No Insurance Guarantee
YMI Insurance provides information and assistance, but we do not guarantee approval for insurance coverage. All policies are subject to underwriting and carrier approval.
6.2 No Legal or Financial Advice
Our content is for informational purposes only and should not be interpreted as legal, financial, or professional advice. Always consult a licensed professional for specific guidance.
6.3 Limitation of Liability
To the maximum extent permitted by law, YMI Insurance is not liable for any:
- Indirect, incidental, or consequential damages resulting from your use of our services
- Errors, delays, or interruptions in text messaging services
