1. Identification and Scope

Umbrella Insurance Group is responsible for the services offered on this site. These Terms govern your use of the website and the insurance quoting and advisory services. We do not provide regulatory or legal services; we act solely as a broker/advisor as applicable.

Note: We do not operate or offer contracts in the state of New York.

2. Acceptance

By interacting with forms, requesting quotes, or using our services, you confirm that you have read and accepted these Terms. If you do not agree, please do not use our services.

3. Use of the Site and Accuracy of Information

The content on this site is for informational purposes only. We make reasonable efforts to keep the information up to date, but we do not guarantee that it will be complete or accurate at all times. Coverage, pricing, and eligibility are determined by the insurers and may vary by state.

4. Products and Availability

The policies and products offered are subject to approval by the insurance companies. Availability may vary by state and by insurer. The final contract is established directly between the consumer and the corresponding insurance company.

5. SMS Consent and Communication Policy

5.1 SMS Consent Communication

The information phone numbers obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

5.2 Types of SMS Communications

If you have consented to receive text messages from Umbrella Insurance Group, you may receive messages related to the following:

• Appointment reminders
• Follow-up messages
• Billing inquiries
• Scheduling
• Updates

5.3 Message Frequency

Message frequency may vary depending on the type of communication. For example, you may receive up to 20 SMS messages per week related to your appointments, billing, scheduling, updates, and follow-up messages.

5.4 Potential Fees for SMS Messaging

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

5.5 Opt-In Method

You may opt in to receive SMS messages from Umbrella Insurance Group in the following ways:

• By submitting an online form.

5.6 Opt-Out Method

You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

5.7 Help

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at https://umbrellainsurancegroup.in/support?contact=agente@umbrellainsurancegroup.in.

5.8 Standard Messaging Disclosures

• Message and data rates may apply.
• You can opt out at any time by texting “STOP.”
• For assistance, text “HELP” or visit our Privacy Policy and Terms and Conditions pages.
• Message frequency may vary.

6. Health Information and HIPAA

When we collect health-related data to assess eligibility or provide a quote (e.g., medical history), we will handle such data in accordance with applicable obligations under HIPAA and other relevant regulations. Health data will be used solely to evaluate coverage and process applications, and it will be safeguarded with reasonable administrative, technical, and physical measures.

If you need to share sensitive information, we will provide instructions on how to do so securely and specify the intended purpose.

7. Limitation of Liability

Except as otherwise required by law, Umbrella Insurance Group shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of this site or the purchase of insurance. To the fullest extent permitted by law, total liability for any claim shall be limited to the amount received by Umbrella for the specific service in question.

8. Indemnification

You agree to indemnify and hold harmless Umbrella Insurance Group from and against any claims, damages, or expenses arising out of your use of the site, your breach of these Terms, or any acts or omissions that infringe the rights of third parties.

9. Regulation and Authorities (NAIC / DOI)

We operate in compliance with the applicable rules of the National Association of Insurance Commissioners (NAIC) and the regulations of the state Departments of Insurance (DOI) where we provide services. If you require regulatory information or wish to file a complaint, you may contact the DOI of the relevant state.

10. State-Specific Terms and New York Exclusion

Certain provisions, requirements, and coverages depend on state jurisdiction. We do not offer contracts or services in the State of New York; New York residents should not use this site to purchase products from us.

11. Third-Party Links

This site may include links to third-party websites. We are not responsible for the content or privacy practices of external sites.

12. Modifications

We may update these Terms. The new version will be posted on this page along with the effective date. Continued use of the service after changes implies acceptance of the updated Terms.

13. Governing Law and Dispute Resolution

These Terms are governed by U.S. federal law and the applicable state laws in the jurisdictions where we operate, excluding the laws of the State of New York. For disputes, you may pursue available legal remedies; we recommend attempting an amicable resolution before initiating formal proceedings.

14. Contact

For questions or complaints: Umbrella Insurance Group — /contact or agente@umbrellainsurance.in .