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Terms of Service

Welcome to the website of Hinsal Inc. DBA Premier Group Insurance Online ("Company," "we," "us," or "our"). By accessing or using our website (www.premiergroupinsurance.org) or utilizing our services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not access or use our website or services.

1. Services Provided

Hinsal Inc. DBA Premier Group Insurance Online provides insurance agency and brokerage services, including assisting consumers and businesses in obtaining auto, home, commercial, and property insurance policies.

2. SMS / Mobile Messaging Program Terms

By opting into mobile messaging from Premier Group Insurance Online (via web form, contract, or direct phone inquiry), you agree to the following terms regarding our SMS program:

  • Program Description & Use Cases: We use text messaging to provide transactional and customer care support to our clients. Text communications include account updates, payment reminders, policy notices, requested coverage quotes, claim updates, and general customer service inquiries.

  • Consent: You consent to receive SMS text messages from Premier Group Insurance Online by checking the opt-in checkbox on our website forms or providing express verbal/written consent. Consent is not a condition of purchasing any policy or service.

  • Message Frequency: Message frequency varies depending on your interactions with us and your account activity (e.g., policy renewal periods, active claims, or direct customer care requests).

  • Cost Disclosures: Standard message and data rates may apply depending on your wireless carrier plan.

  • Opt-Out Instructions (How to Stop): You may opt out of receiving SMS communications at any time. To unsubscribe, simply reply STOP to any text message you receive from us. You will receive one final message confirming your opt-out request.

  • Customer Support (Help): For assistance with our text messaging service, reply HELP to any message, contact us by phone at (956) 421-4000, or email us at online@premiergroupinsurance.org.

  • Privacy & Data Protection: We respect your privacy. Mobile information collected through the SMS opt-in process will not be shared with, sold, or rented to third parties or affiliates for marketing or promotional purposes under any circumstances. All opt-in data and consent exclude third-party sharing. For full details on how we handle your personal data, please review our Privacy Policy.
     

3. User Obligations

By using our services or website, you agree:

  • To provide accurate, current, and complete information when requesting insurance quotes or filling out forms.

  • Not to use our services or website for any unlawful, fraudulent, or unauthorized purpose.
     

4. Intellectual Property

All content on this website, including logos, text, graphics, and software, is the property of Hinsal Inc. DBA Premier Group Insurance Online and is protected by applicable copyright and trademark laws.

5. Disclaimer of Warranties & Limitation of Liability
 

  • Insurance coverage cannot be bound, altered, or canceled via website form submission or SMS message alone without explicit confirmation from a licensed agent.

  • Our website and services are provided on an "as is" and "as available" basis. Hinsal Inc. shall not be liable for any indirect, incidental, or consequential damages resulting from the use or inability to use our services or website.
     

6. Contact Information

If you have any questions or concerns regarding these Terms of Service, please contact us at:

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