Terms & Conditions

Intellectual Property:
All content published and made available on our Site is the property of Guy Miligi and the Site's creators. This includes, but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the composition of our Site.

Acceptable Use:
As a user of our Site, you agree to use our Site legally, not to use our Site for illegal purposes, and not to:

- Violate the intellectual property rights of the Site owners or any third party to the Site; or
- Act in any way that could be considered fraudulent.

If we believe you are using our Site illegally or in a manner that violates these Terms and Conditions, we reserve the right to limit, suspend or terminate your access to our Site. We also reserve the right to take any legal steps necessary to prevent you from accessing our Site.

Third Party Good Services
Our Site may offer goods and services from third parties. We cannot guarantee the quality or accuracy of goods and services made available by third parties on our Site.

Links to Other Websites
Our Site contains links to third party websites or services that we do not own or control. We are not responsible for the content, policies, or practices of any third party website or service linked to on our Site. It is your responsibility to read the terms and conditions and privacy policies of these third party websites before using these sites.

Consent to Receive SMS/MMS Notifications
TSM Insurance Services uses SMS/MMS messaging solely for customer service and business communications with clients, including receiving requested documentation and communicating regarding existing or requested insurance services. SMS/MMS messaging is not used for marketing or promotional purposes.
 

By providing your mobile number and expressly opting in to SMS/MMS communications from TSM Insurance Services, you consent to receive SMS/MMS messages related to these purposes.
 

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

Consent to receive SMS/MMS messages is not a condition of purchasing any product or service.

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

SMS Terms of Service

By opting in to receive SMS/MMS messages from TSM Insurance Services, you agree to receive text messages related to customer service and business communications, including communications regarding existing or requested insurance services and the exchange of requested documentation. SMS/MMS messaging is not used for marketing or promotional purposes.
 

Message frequency varies. Message and data rates may apply. Text “HELP” for help. Text “STOP” to cancel.

You may cancel the SMS service at any time by texting “STOP.” After you send “STOP,” you may receive a message confirming that you have been unsubscribed. After this, you will no longer receive SMS/MMS messages unless you opt in again.
 

If you need assistance with the SMS service, text “HELP” or contact TSM Insurance Services at reception@tsminsurance.com.
 

Wireless carriers are not liable for delayed or undelivered messages.

For information regarding how we collect, use, and protect your personal information, please review our Privacy Policy.
 

SMS Privacy Policy

We do not share consumer SMS opt-in consent with third parties. Mobile data and text messaging originator opt-in data and consent will not be shared with third parties through the SMS channel.

For more information, please review our Privacy Policy.

Limitation of Liability
Guy Miligi and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.

Indemnity
Except where prohibited by law, by using this Site you indemnify and hold harmless Guy Miligi and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site or your violation of these Terms and Conditions.

Applicable Law
These Terms and Conditions are governed by the laws of the State of California.

Severability
If at any time any of the provisions set forth in these Terms and Conditions are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms and Conditions. All other provisions will not be affected by the removal and the rest of these Terms and Conditions will still be considered valid.

Changes
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users by email of changes to these Terms and Conditions or post a notice on our Site.

Contact Details
Please contact us if you have any questions or concerns. Our contact details are as follows:
(209) 524-6366
reception@tsminsurance.com
1317 Oakdale Rd #910, Modesto, CA 95355


You can also contact us through the feedback form available on our Site.