Phil-Am Insurance Agency – Terms and Conditions
Effective Date: 06/27/2025
Last Updated: 06/27/2025
These Terms and Conditions (“Terms”) govern your use of services, platforms, and websites operated by Phil-Am Insurance LLC (“Phil-Am,” “we,” “us,” or “our”). By accessing or using any of our services, you agree to be bound by these Terms. If you do not agree, please refrain from using our services.
1. Scope of Services
Phil-Am Insurance Agency provides services including but not limited to:
- Insurance policy recommendations and enrollments
- Licensed agent consultations
- Educational resources on Medicare, ACA, and supplemental insurance
- CRM tools and marketing support for affiliated agents
Services are available only to individuals who are legally permitted to engage in insurance transactions within their jurisdiction.
2. Use of Website and Platforms
By accessing any digital platform (including www.philamagency.com), you agree to:
- Provide accurate, current, and complete information
- Use the platform only for lawful purposes
- Not misrepresent your identity or affiliation with any person or entity
- Not disrupt or interfere with security or operation of the website
3. Agent and Client Responsibilities
For Agents:
Agents contracted with Phil-Am are expected to comply with all CMS guidelines, licensing laws, carrier regulations, and Phil-Am’s code of conduct. Misrepresentation or misuse of client data may result in immediate termination.
For Clients:
Clients must provide truthful and accurate information when seeking insurance quotes or services. Phil-Am is not responsible for incorrect policy recommendations due to incomplete or false disclosures.
4. Data Privacy and Security
We are committed to protecting your personal information. All data collected is handled in accordance with our [Privacy Policy] and, where applicable, HIPAA and CMS data handling requirements.
Agents and clients using our CRM or communication platforms agree not to share, sell, or misuse personal or proprietary data. Violations may result in legal action.
5. Commissions, Fees, and Payments
Phil-Am Insurance Agency may earn commissions from insurance carriers for policies sold. No additional fees are charged to clients unless explicitly disclosed. Agents working under Phil-Am may be subject to commission agreements or LOA contracts, which will be provided separately.
6. Disclaimer of Warranties
Phil-Am provides services “as is” and “as available.” We do not guarantee:
- Continuous or error-free operation
- That all insurance products will be available in all regions
- That any specific insurance outcome or approval will be achieved
Phil-Am is not responsible for the decisions of insurance carriers, government programs, or third-party vendors.
7. Limitation of Liability
In no event shall Phil-Am, its officers, employees, or affiliates be liable for any direct, indirect, incidental, or consequential damages arising out of the use of our services, including but not limited to:
- Loss of business or income
- Insurance denials or errors
- Unauthorized data access despite reasonable safeguards
8. Termination and Suspension
We reserve the right to terminate or suspend any account, service, or contract if:
- Terms are violated
- Fraudulent or unethical activity is suspected
- Compliance with CMS, carrier, or legal requirements necessitates it
9. Governing Law
These Terms shall be governed by the laws of the State of Texas. Any disputes shall be resolved in a court of competent jurisdiction in Harris County, Texas.
10. Changes to Terms
We may update these Terms at any time. Notice of changes will be posted on our website or provided via email. Continued use of services constitutes acceptance of the updated Terms.
11. Contact Information
Phil-Am Insurance LLC
17323 Apache Hills Dr.
Tomball, TX 77377
Email: support@philamagency.com
Phone: (346) 598-6507