Welcome to KG Insurance Services LLC ("KG Insurance," "we," "our," or "us"). These Terms of Use ("Terms") govern your access to and use of our website located at www.kginsuranceservices.com, as well as any online forms, customer portals, quote request forms, and other services we provide through our website (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, please discontinue use of our Services.

If you have any questions regarding these Terms, you may contact us:

KG Insurance Services LLC

18115-B Sellman Road
Dickerson, Maryland 20842

Phone: (240) 428-1392

Email: contact@kginsuranceservices.com

Our Services are intended for individuals who are at least 18 years of age or otherwise legally capable of entering into binding agreements under applicable law.

By using our Services, you represent that you meet these eligibility requirements.

KG Insurance Services LLC is an independent insurance agency licensed to offer insurance products and related services. Through our website, visitors may:

• Request insurance quotes.
• Learn about insurance products and services.
• Submit contact or quote request forms.
• Request policy changes.
• Access customer resources.
• Contact our office.
• Obtain general insurance information.

Information provided on this website is intended for general informational purposes only and should not be considered legal, financial, or insurance advice.

Insurance coverage is subject to underwriting approval, policy terms, eligibility requirements, carrier guidelines, and applicable state laws.

A quote provided through our website or by our agency does not guarantee coverage, premium, eligibility, or policy issuance.

Submitting information through our website does not create an insurance policy, bind insurance coverage, or guarantee that coverage has been placed.

Coverage becomes effective only after:

• An application has been approved (when applicable),
• The insurance carrier has accepted the risk,
• Any required premium has been paid, and
• You have received confirmation that coverage is in effect.

Never assume you are insured until you receive written confirmation from the insurance carrier or KG Insurance Services LLC.

You agree to provide accurate, complete, and current information when submitting quote requests, applications, contact forms, or other information through our Services.

Providing false, misleading, or incomplete information may affect your eligibility for insurance coverage or our ability to provide services.

You may use our website solely for lawful, personal, or legitimate business purposes related to obtaining information about our insurance products and services.

You agree not to:

• Use the website for unlawful purposes.
• Attempt to gain unauthorized access to our systems.
• Upload viruses, malware, or malicious code.
• Interfere with the operation or security of the website.
• Attempt to copy, scrape, or extract information using automated tools without our written permission.
• Misrepresent your identity or impersonate another person.
• Submit fraudulent or misleading information.
• Use our website in any manner that could damage, disable, or impair our Services.

We reserve the right to suspend or restrict access to our website if we believe these Terms have been violated.

Unless otherwise stated, all content on this website—including text, graphics, logos, images, documents, downloads, forms, and other materials—is the property of KG Insurance Services LLC or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You may view, download, or print materials from our website solely for your personal, non-commercial use.

You may not copy, reproduce, modify, distribute, publish, sell, or otherwise use any content from this website without our prior written permission.

Information submitted through our online forms is used to evaluate insurance requests and provide the services you have requested.

Submission of a form does not obligate either you or KG Insurance Services LLC to purchase or provide insurance coverage.

We reserve the right to decline quote requests or discontinue discussions at our discretion and in accordance with applicable laws and carrier guidelines.

Our website may contain links to third-party websites or services for your convenience, including insurance carriers, payment providers, government agencies, and other resources.

These third-party websites operate independently of KG Insurance Services LLC. We are not responsible for the content, availability, security, or privacy practices of any third-party website. Accessing third-party websites is at your own risk, and we encourage you to review their terms and privacy policies before providing personal information.

We strive to keep our website available and up to date; however, we do not guarantee uninterrupted access to our Services.

We reserve the right to modify, suspend, restrict, or discontinue any portion of our website or Services at any time without prior notice. We are not responsible for any loss or inconvenience resulting from temporary outages, maintenance, technical issues, or events beyond our reasonable control.

The information provided on this website is for general informational purposes only. While we make reasonable efforts to keep the information accurate and current, we do not guarantee that all content is complete, accurate, or up to date.

Insurance laws, regulations, coverages, premiums, discounts, eligibility requirements, and underwriting guidelines may change without notice.

Nothing on this website should be interpreted as legal, financial, tax, or insurance advice. You should consult with a qualified professional regarding your specific circumstances.

Insurance products are subject to underwriting approval, policy terms, exclusions, conditions, and carrier requirements. Availability of products and services may vary by state.

You agree to defend, indemnify, and hold harmless KG Insurance Services LLC, its owners, employees, agents, affiliates, contractors, and representatives from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys' fees) arising out of:

• Your violation of these Terms;
• Your misuse of our website or Services;
• Your violation of any applicable law or regulation; or
• Any false, inaccurate, or misleading information you provide to us.

By contacting us through our website, submitting online forms, sending emails, or otherwise communicating electronically, you consent to receive communications from us electronically when appropriate.

Electronic communications may include confirmations, responses to inquiries, policy-related notices, service updates, disclosures, and other information related to the Services you request.

You may opt out of receiving SMS messages at any time by replying STOP to any SMS message you receive. After you opt out, you may receive one final confirmation message confirming your removal from our SMS messaging program.

You may also contact us directly to request removal from our SMS messaging list.

If you need assistance with our SMS messaging program, reply HELP to any SMS message or contact us using one of the following methods:

Website:https://www.kginsuranceservices.com

Phone: (240) 428-1392

Email:contact@kginsuranceservices.com

If you do not wish to receive SMS messages, simply do not select the SMS consent checkbox on our online forms.

These Terms of Use shall be governed by and interpreted in accordance with the laws of the State of Maryland, without regard to its conflict of law principles.

Any legal action arising from or relating to these Terms or your use of our Services shall be brought exclusively in the appropriate state or federal courts located in Maryland, unless otherwise required by applicable law.

We may revise these Terms of Use from time to time to reflect changes in our business practices, legal requirements, or website functionality.

When changes are made, we will update the "Last Updated" date at the beginning of these Terms. Continued use of our Services after changes become effective constitutes your acceptance of the revised Terms.

Thank you for visiting KG Insurance Services LLC. We appreciate the opportunity to serve your insurance needs.