Terms and conditions

2. Use of the Site

You may use the Site for lawful purposes and to obtain information about insurance products and services.

You agree not to:

• Use the Site for unlawful purposes
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to the Site or its systems
• Interfere with the operation or security of the Site
• Upload malicious code or harmful material
• Scrape, copy, reproduce, or exploit Site content without authorization
• Use the Site to distribute spam or other unsolicited communications
• Violate applicable laws or regulations

3. Insurance Quotes

Information and quotes provided through or in connection with the Site are for informational purposes and are not binding offers of insurance.

A quote may be based on information you provide and may be subject to verification, underwriting, carrier approval, additional information, changes in risk, applicable state requirements, and carrier-specific requirements.

A quote does not guarantee coverage, eligibility, availability, or a particular premium.

Final coverage, premiums, deductibles, limits, exclusions, conditions, and other policy terms are determined by the applicable insurance carrier and are governed by the issued insurance policy or contract.

4. No Coverage Is Bound Through the Website

No insurance coverage is bound, changed, or canceled solely through the submission of an online form, quote request, email, text message, or voicemail.

Coverage is not effective unless and until confirmed by the applicable licensed agent, carrier, or authorized representative in accordance with applicable requirements.

You should not assume that coverage is in effect merely because you submitted a form or received a quote.

5. User Responsibilities

You agree to provide accurate, complete, and truthful information when requesting quotes, submitting forms, communicating with us, or applying for insurance.

You are responsible for reviewing information you provide and promptly correcting inaccurate or incomplete information.

Misrepresentation, omission, or inaccurate information may affect eligibility, pricing, underwriting, or coverage and may result in denial, cancellation, rescission, or other action as permitted by the applicable insurance policy and law.

6. Licensed Agents and Insurance Carriers

Reliable Risk Management Group may connect consumers with licensed insurance agents and insurance carriers.

Agents and carriers are responsible for the insurance products they offer, underwriting decisions, policy terms, coverage determinations, and applicable regulatory requirements.

Not all insurance products or carriers are available in every state or to every consumer.

7. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

The Privacy Policy is incorporated into these Terms by reference.

8. SMS/Text Messaging Terms

Reliable Risk Management Group may operate SMS/text messaging programs for individuals who provide the required consent.

Messaging Program

Messages may relate to:

• Insurance inquiries
• Quote requests
• Insurance products
• Callback requests
• Appointments
• Policy or service-related communications
• Marketing communications covered by the applicable consent

Consent

By affirmatively selecting the SMS consent checkbox on an applicable form, you consent to receive text messages from Reliable Risk Management Group at the mobile number you provide.

SMS consent is optional and is not required to submit a form, obtain an insurance quote, or purchase insurance.

Message Frequency

Message frequency varies.

Message and Data Rates

Message and data rates may apply.

Opt Out

Reply STOP to any message to opt out of SMS communications.

Help

Reply HELP for assistance or contact:

Email: info@reliableriskmg.com Phone: 505-657-4674

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Mobile Information

Mobile telephone numbers, SMS opt-in information, and SMS consent records will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

Service providers that assist us in operating our communications program may receive information as necessary to provide those services.

9. Intellectual Property

All content on the Site, including text, graphics, logos, designs, images, software, and other materials, is owned by or licensed to Reliable Risk Management Group and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, publish, transmit, or commercially exploit Site content without prior written authorization.

10. Third-Party Links

The Site may contain links to third-party websites and services.

These links are provided for convenience only.

Reliable Risk Management Group does not control or guarantee the accuracy, availability, security, privacy practices, or content of third-party websites.

Your use of third-party websites is subject to their own terms and policies.

11. Disclaimer of Warranties

The Site and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Reliable Risk Management Group disclaims all warranties, express or implied, relating to the Site, including warranties concerning accuracy, completeness, availability, merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that the Site will be uninterrupted, error-free, secure, or free of harmful components.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Reliable Risk Management Group and its officers, directors, employees, agents, affiliates, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of, or inability to use, the Site.

This includes, where permitted by law, loss of profits, loss of data, business interruption, or other consequential losses.

13. Changes to These Terms

We may modify these Terms at any time.

Updated Terms will be posted on the Site and the Last Updated date will be revised.

Your continued use of the Site after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in effect.

15. Governing Law

These Terms are governed by the laws of the State of New Mexico, without regard to conflict-of-law principles.

16. Contact Us

For questions regarding these Terms:

Reliable Risk Management Group 2400 Louisiana Blvd NE, Building #3, Suite 140 Albuquerque, NM 87110

Email: info@reliableriskmg.com Phone: 505-657-4674