Terms of Service
Golden Palms Insurance
Effective Date: January 1, 2026
Welcome to the Golden Palms Insurance website (“Site”). By accessing or using this Site, you agree to comply with and be bound by the following Terms of Service (“Terms”). If you do not agree, please do not use this Site.
Eligibility (18+ Requirement)
This Site is intended for individuals 18 years of age or older. By using this Site, you represent and warrant that you are at least 18 years old and legally capable of entering into these Terms. We do not knowingly collect information from individuals under 18.
Use of Website
This Site is intended for informational and educational purposes only. By using this Site, you agree to use it lawfully and not for any prohibited or unauthorized purpose.
You agree not to:
Use the Site in any way that violates applicable laws or regulations
Attempt to gain unauthorized access to any portion of the Site
Interfere with the proper functioning of the Site
No Professional Advice
The information provided on this Site is for general informational purposes only and should not be considered insurance, legal, or financial advice. Coverage options vary by individual circumstances, and you should consult with a licensed insurance professional for personalized guidance.
No Guarantee of Coverage
Submitting information through this Site does not guarantee eligibility, approval, or enrollment in any insurance plan. All applications are subject to underwriting guidelines and carrier approval.
Licensing and Availability
Golden Palms Insurance is a licensed insurance agency. Services are only available in states where we are properly licensed. Availability of plans and benefits may vary by location and carrier.
Carrier Liability Disclaimer
Golden Palms Insurance acts solely as an independent insurance agency and is not the insurer. Insurance policies are issued by third-party insurance carriers. We do not underwrite, administer, or pay claims.
We are not responsible for:
Claims decisions or claim payments
Policy terms, conditions, or coverage determinations
Carrier errors, delays, or omissions
All policy benefits, coverage, and obligations are determined exclusively by the issuing insurance carrier and are subject to the terms of the policy.
SMS/Text Messaging Terms
By providing your phone number through our website, you consent to receive SMS/text messages from Golden Palms Insurance.
Program Description:
Messages may include responses to inquiries, appointment reminders, follow-ups, and information related to insurance products and services.
Opt-In:
Users opt-in by submitting their information through a contact form on our website.
Message Frequency:
Message frequency will vary based on your interactions with our services.
Message and Data Rates:
Message and data rates may apply depending on your mobile carrier and plan.
Opt-Out:
You may opt out at any time by replying STOP to any text message. Once you opt out, you will no longer receive SMS communications unless you opt in again.
Help:
For assistance, reply HELP or contact us directly using the information below.
Intellectual Property
All content on this Site—including text, graphics, logos, and design—is the property of Golden Palms Insurance and may not be copied, reproduced, or distributed without prior written permission.
Third-Party Links
This Site may contain links to third-party websites. Golden Palms Insurance is not responsible for the content, policies, or practices of any third-party sites.
Limitation of Liability
Golden Palms Insurance is not liable for any damages arising from your use of, or inability to use, this Site. This includes direct, indirect, incidental, or consequential damages.
Indemnification
You agree to indemnify and hold harmless Golden Palms Insurance, its owners, employees, and affiliates from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.
Privacy
Your use of this Site is also governed by our Privacy Policy. Please review it to understand how we collect and use your information, including SMS communications.
Changes to Terms
We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date.
Contact Information
Golden Palms Insurance
📞 Phone: 352-580-3555
📧 Email: [email protected]