TERMS & CONDITIONS

Effective Date: October 9, 2026

Welcome to Tammie Philips Insurance Group. By accessing our website, requesting an insurance quote, submitting a form, or using our services, you agree to these Terms & Conditions.

1. Insurance Information and Quotes

Information provided on this website is for general informational purposes and does not constitute an insurance binder, policy, guarantee of coverage, or professional advice.

Insurance quotes are subject to eligibility, underwriting requirements, carrier guidelines, verification of information, and applicable terms and conditions.

Insurance coverage is not effective until confirmed and bound by an authorized insurance representative or carrier.

2. Accuracy of Information

You agree to provide accurate and complete information when requesting insurance quotes, submitting forms, or communicating with Tammie Philips Insurance Group.

Inaccurate or incomplete information may affect insurance eligibility, coverage, or pricing.

3. SMS/Text Messaging Program

Program Name: Tammie Philips Insurance Group SMS Messaging Program

Tammie Philips Insurance Group offers optional text messaging to customers who have expressly consented to receive messages.

Our SMS program includes:

• Responses to insurance inquiries and quote requests.

• Insurance application and policy updates.

• Appointment scheduling and reminders.

• Customer service and requested assistance.

• Promotional information about insurance products and services, only when separate marketing consent has been provided.

Customers opt in by entering their telephone number and voluntarily checking the appropriate SMS consent checkbox on our website forms.

Informational and promotional SMS consent are requested separately. Consent checkboxes are not preselected.

Consent to receive SMS messages is not a condition of purchasing insurance or receiving our services.

4. SMS Message Frequency and Charges

Message frequency varies depending on your inquiries, policy activity, requested services, and communication preferences.

Message and data rates may apply.

Your mobile carrier may charge fees according to your wireless service plan.

5. SMS Opt-Out Instructions

You may opt out of SMS communications at any time by replying STOP to any text message from Tammie Philips Insurance Group.

After opting out, you may receive one final confirmation message.

To receive text messages again, you must provide consent again through an appropriate opt-in method.

6. SMS Help and Customer Support

For assistance with our SMS messaging program, reply HELP to any message.

You may also contact us directly:

Tammie Philips Insurance Group

Phone: (678) 804-6045

Email: [email protected]

Website: https://www.tammiephilipsinsurance.com

7. SMS Privacy and Information Sharing

We respect your privacy and protect your mobile information.

SMS opt-in consent and mobile information will not be shared, sold, rented, or disclosed to third parties or affiliates for marketing or promotional purposes.

For additional details about how we collect, use, and protect personal information, please review our Privacy Policy:

https://www.tammiephilipsinsurance.com/privacy-policy

8. Mobile Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

SMS delivery depends on carrier availability, device compatibility, network conditions, and other factors outside our control.

9. Age Requirement

You must be 18 years of age or older to participate in our SMS messaging program or submit insurance quote requests through our website.

10. Electronic Communications

When you provide your email address or other contact information, you authorize Tammie Philips Insurance Group to communicate electronically regarding your inquiries, requested quotes, applications, policies, or services, subject to applicable law and your communication preferences.

Marketing text messages require separate, affirmative consent.

11. Third-Party Insurance Carriers and Services

Tammie Philips Insurance Group works with third-party insurance carriers and service providers.

Insurance products, coverage options, premiums, eligibility, and underwriting decisions are determined by the applicable insurance carriers and may vary.

We are not responsible for the content, security, availability, or privacy practices of third-party websites.

12. Website Use

You agree not to misuse this website, attempt unauthorized access, interfere with website operations, submit fraudulent information, or use the website for unlawful purposes.

13. Intellectual Property

Website content, branding, graphics, text, and other materials owned by Tammie Philips Insurance Group may not be reproduced or distributed without permission except as permitted by law.

14. Limitation of Liability

To the extent permitted by applicable law, Tammie Philips Insurance Group is not responsible for losses or damages arising from reliance on general website information, website interruptions, third-party services, or circumstances outside our reasonable control.

15. Privacy Policy

Your use of this website is also subject to our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

Privacy Policy: https://www.tammiephilipsinsurance.com/privacy-policy

16. Changes to These Terms

We may update these Terms & Conditions periodically. Changes will be posted on this page with an updated effective date.

17. Contact Information

Tammie Philips Insurance Group

327 Dahlonega Street, Suite 1803-A
Cumming, GA 30040

Phone: (678) 804-6045
Email: [email protected]
Website: https://www.tammiephilipsinsurance.com