1. Acceptance of Terms

By accessing or using the websites www.philaminsurance.com and www.philamagency.com, submitting any contact form, or opting in to any communications from Phil-Am Insurance Agency LLC ("Phil-Am," "we," "us," or "our"), you agree to be bound by these Terms of Service and our Privacy Policy.

If you do not agree with any part of these terms, please do not use our websites or services. These Terms apply to all visitors, users, and anyone who accesses or uses our Service.

2. Description of Services

Phil-Am Insurance Agency LLC is a licensed insurance agency operating in Texas and other states. We provide:

• Information and guidance on Medicare Advantage, Medicare Supplement, and Medicare Part D plans
• Information and enrollment assistance for ACA / Health Insurance Marketplace plans
• Life insurance and annuity products through licensed carriers
• Agent contracting, support, and training resources for licensed insurance agents
• Marketing, automation, and operational support tools for agents through Phil-Am's agent ecosystem

Phil-Am Insurance Agency acts as an independent insurance agency and is not affiliated with or endorsed by the federal government, the Centers for Medicare & Medicaid Services (CMS), or any state government agency.

3. SMS & Text Messaging Terms

Program Description

By opting in to the Phil-Am Insurance Agency SMS program via our contact form or other opt-in methods, you agree to receive recurring automated text messages from Phil-Am Insurance Agency at the mobile number you provided. Opting in is voluntary and is never required as a condition of service, enrollment, or purchase.

Types of Messages You May Receive

• Informational: Insurance plan details, coverage options, and eligibility information for Medicare, ACA, life insurance, and annuities
• Appointment & Follow-Up: Reminders about scheduled consultations, calls, or enrollment deadlines
• Promotional: Special enrollment periods, limited-time offers, and agency events
• Support: Responses to inquiries submitted via our contact forms or directly to our team
• Transactional: Confirmations of form submissions, appointments, or agent requests

Message Frequency

Message frequency varies based on your preferences and activity — typically up to 4 messages per month. We will not send excessive or unsolicited messages.

4. Opt-Out Instructions

You may cancel SMS communications from Phil-Am Insurance Agency at any time using any of the following methods:

• Reply STOP to any text message you receive from us
• Email info@philaminsurance.com with "SMS Opt-Out" in the subject line
• Call us at (832) 742-6204 and request removal from our SMS list

Upon receipt of your STOP request, you will receive one final confirmation message. After that, no further SMS messages will be sent to your number unless you choose to re-opt in through a new opt-in process.

To re-enroll in SMS communications after opting out, you must submit a new opt-in request through our contact form or another eligible opt-in channel.

5. Help & Customer Support

If you experience issues with our SMS program or need assistance, you can reach us through any of the following:

• Reply HELP to any text message you receive from us
• 📧 Email: info@philaminsurance.com
• 📞 Phone: (832) 742-6204
• Business Hours: Monday–Friday, 9:00am–6:00pm CST

6. Message & Data Rate Disclosure

Message and data rates may apply to all SMS messages sent to or received from Phil-Am Insurance Agency. These charges are assessed by your mobile carrier and are not collected by Phil-Am Insurance Agency.

For information about your messaging plan and applicable rates, please contact your wireless carrier directly. Phil-Am is not responsible for charges incurred by your mobile carrier in connection with SMS communications.

7. Carrier Liability Disclaimer

Phil-Am Insurance Agency is not liable for delayed or undelivered text messages. The delivery of SMS messages is dependent on your mobile carrier's network and is subject to effective transmission. Carriers are not liable for delayed or undelivered messages.

Supported carriers include but are not limited to: AT&T, Verizon, T-Mobile, Boost Mobile, U.S. Cellular, MetroPCS, and other major U.S. carriers. Carrier participation may change without notice.

8. User Conduct

When using our website or services, you agree not to:

• Provide false, inaccurate, or misleading information
• Use our Service for any unlawful purpose or in violation of any applicable regulations
• Attempt to gain unauthorized access to any part of our website or systems
• Transmit spam, viruses, or any harmful code through our Service
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with or disrupt the integrity or performance of our Service

9. Intellectual Property

All content on our websites — including text, graphics, logos, icons, images, and software — is the property of Phil-Am Insurance Agency LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our express written permission.

10. Disclaimer of Warranties

Our Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Phil-Am Insurance Agency does not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components.

Insurance information provided on our website is for general informational purposes only and does not constitute professional insurance, legal, or financial advice. Plan availability, benefits, and costs vary by carrier, plan, and location. Always consult a licensed insurance professional for guidance specific to your situation.

11. Limitation of Liability

To the fullest extent permitted by law, Phil-Am Insurance Agency LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, our Service or any content thereon — even if we have been advised of the possibility of such damages.

Our total liability to you for any claims arising out of or relating to these Terms or our Service shall not exceed the amount paid by you (if any) to Phil-Am in the twelve (12) months preceding the claim.

12. Privacy

Your use of our Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

13. Changes to These Terms

Phil-Am Insurance Agency reserves the right to update or modify these Terms of Service at any time. We will post the revised Terms on this page with an updated effective date. Your continued use of our Service after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

14. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Harris County, Texas.

15. Contact Us

Terms of Service · Phil-Am Insurance Agency LLC · Last Updated March 26, 2026