Terms & Conditions

Terms & Conditions

AFG Agency
Last Updated: November 16th, 2025

Welcome to AFG Agency (“we,” “us,” or “our”). These Terms & Conditions govern your use of our website, funnels, landing pages, forms, SMS communications, email communications, and any services provided by AFG Agency.
By accessing or using our services, you agree to comply with these Terms.

1. Use of Our Services

You agree to use our services only for lawful and legitimate purposes. You may not:

Submit false, incomplete, or misleading information

Attempt to disrupt, hack, or compromise our website, systems, or communication channels

Use our forms to submit fraudulent or deceptive insurance inquiries

Interfere with the operation or performance of our funnels, forms, or services

We reserve the right to deny or terminate access to anyone who violates these Terms.

2. Insurance Services

AFG Agency provides insurance information, quotes, consultations, and related services.
We do not guarantee coverage, approval, rates, or eligibility. All insurance decisions—including approvals, declines, and rate determinations—are made solely by the respective insurance carriers.

Submitting a form or booking an appointment does not create a binding contract or guarantee issuance of an insurance policy.

Insurance products, rates, and eligibility may vary by state and carrier.
AFG Agency does not provide financial, tax, or legal advice.

3. SMS/Text Messaging Terms

By submitting your phone number on our website or funnels, you consent to receive SMS/text messages regarding:

Quotes

Appointments

Policy updates

Customer support

Follow-ups and reminders

Marketing messages (only with explicit consent)

Message and data rates may apply.
You may opt out at any time by replying STOP.
For assistance, reply HELP.

Consent to receive messages is not a condition of purchase.

4. Email Communications

By providing your email address, you consent to receive:

Appointment confirmations

Insurance quotes

Policy and application information

Educational content or marketing (with consent)

You may unsubscribe at any time by using the link in our emails or contacting [email protected].

5. Accuracy of Information

You agree that all information you provide to AFG Agency is accurate, complete, and truthful.
Providing false or inaccurate information may affect your quotes, eligibility, underwriting results, or policy issuance.

6. Third-Party Services

AFG Agency may use trusted third-party partners (CRM platforms, form processors, SMS/email routing providers, etc.) to operate parts of our services.
We are not responsible for the privacy practices, terms, or actions of third-party websites or platforms.

7. Intellectual Property

All content on our website and funnels—including text, graphics, videos, images, logos, and layout—is the property of AFG Agency and protected by copyright and intellectual property laws.

You may not copy, reproduce, distribute, or use any content without our written permission.

8. Disclaimer of Warranties

Our services are provided “as is” and “as available” with no warranties, expressed or implied.
We do not guarantee:

Insurance approval or acceptance

Specific coverage outcomes

Continuity or uptime of our websites or systems

Error-free performance

You use our services at your own discretion and risk.

9. Limitation of Liability

AFG Agency is not liable for any damages arising from:

Use or inability to use our services

Delays, errors, or interruptions

Inaccuracies in quotes or information

Decisions or actions taken based on information from our platform

To the fullest extent allowed by law, our liability is limited to the amount you paid (if any) for using our services.

10. Indemnification

You agree to indemnify and hold AFG Agency harmless from any claims, losses, damages, or expenses resulting from your misuse of our services or violation of these Terms.

11. Termination

We may suspend or terminate your access to our services at any time, without notice, if you violate these Terms or engage in behavior that harms our business.

12. Changes to These Terms

We may update these Terms from time to time.
Revisions will be posted with an updated “Last Updated” date.
Continued use of our services means you accept the updated Terms.

13. Contact Information

If you have questions about these Terms, contact:

AFG Agency
📧 Email: [email protected]
📞 Phone: 708-866-2459