Terms & Conditions
Effective Date: August 29, 2026
Welcome to the website of Rick Kallon Insurance Group (“we,” “us,” or “our”). By accessing or using this website, submitting information through our website, requesting an insurance quote, or communicating with us electronically, you agree to these Terms & Conditions. If you do not agree with these terms, please do not use our website or services.
Insurance Services
Rick Kallon Insurance Group provides insurance-related services, including assisting consumers with obtaining and comparing insurance quotes and coverage options.
Information provided on this website is for general informational purposes and does not constitute an insurance binder, policy, guarantee of coverage, or guarantee of a particular premium.
Insurance coverage is not effective unless and until it has been confirmed and bound by the applicable insurance carrier or otherwise confirmed in writing by an authorized representative. Coverage, premiums, discounts, eligibility, and underwriting decisions are subject to the terms, conditions, and approval of the applicable insurance carrier.
Quote Requests and Information You Provide
When requesting a quote or other service, you agree to provide accurate, current, and complete information. Quotes are based on the information provided and may change after verification, underwriting review, carrier review, or receipt of additional information.
Submitting a quote request does not obligate you to purchase insurance and does not guarantee that coverage will be offered.
SMS/Text Messaging
If you provide your mobile telephone number and consent to receive SMS/text messages from Rick Kallon Insurance Group, you may receive messages regarding your inquiry, insurance quote, policy, customer-service request, appointment, or other insurance-related communications for which you have provided consent.
Consent to receive SMS messages is not a condition of purchasing insurance or any other goods or services. Message frequency may vary. Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP. You may reply HELP for assistance.
SMS consent and mobile telephone numbers collected for SMS communication purposes will not be shared or sold to third parties or affiliates for their own marketing or lead-generation purposes.
Electronic Communications
By contacting us electronically, you consent to receive responses and communications through the contact methods you provide, subject to applicable law and your communication preferences.
Third-Party Insurance Carriers and Services
We may provide information to insurance carriers and insurance-related service providers as reasonably necessary to obtain quotes, evaluate coverage options, bind or service coverage, or otherwise fulfill services you request.
Insurance carriers and other third-party services may maintain their own websites, terms, and privacy policies. Rick Kallon Insurance Group is not responsible for the content, availability, security, or privacy practices of third-party websites or services.
Website Use
You agree not to misuse this website, interfere with its operation, attempt unauthorized access, introduce malicious software, use the website for fraudulent or unlawful purposes, or engage in activity that could damage our systems or services.
Website Information and Availability
We strive to provide accurate and useful information but do not warrant that all website content will always be complete, current, error-free, or continuously available. Website content may be modified or removed at any time.
Limitation of Liability
To the extent permitted by applicable law, Rick Kallon Insurance Group will not be liable for losses or damages resulting solely from reliance on general website information, website interruptions, third-party websites or services, or unauthorized use of the website.
Nothing in these Terms & Conditions is intended to waive or limit any rights or obligations that cannot legally be waived or limited.
Privacy
Your use of this website is also subject to our Privacy Policy, which explains how we collect, use, and protect personal information.
Changes to These Terms
We may update these Terms & Conditions periodically to reflect changes to our services, business practices, technology, or legal requirements. Updated terms will be posted on this page with a revised effective date.
Governing Law
These Terms & Conditions are governed by applicable federal law and the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles.
Contact Us
Rick Kallon Insurance Group
rickkallon@rickkalloninsurancegroup.com
(412) 343-3416