1. Agreement
By accessing or using the website operated by Savino Insurance Group (the “Site”), you agree to these Terms of Service. If you do not agree, do not use the Site.
2. Not legal, tax, or medical advice
Content on the Site is for general information and marketing. It is not legal, tax, or medical advice. Always read official plan documents and consult appropriate professionals for your situation.
3. No guarantee of coverage, savings, or eligibility
Quotes, illustrations, and examples may be estimates. Insurance is subject to underwriting, eligibility, and state availability. Coverage is not guaranteed. Premiums and benefits vary by carrier and plan.
4. Not a government site
Savino Insurance Group is a private business and is not affiliated with the federal government, Medicare, Medicaid, or any state agency unless expressly stated in writing for a specific program.
5. Licensing and solicitation
Products and services are offered only in states where licensed and appointed as required. If you are not in a licensed state, we may be unable to assist. See our licensed states page for more information.
6. Communications and consent
By submitting forms or contacting us, you agree we may contact you using the information provided, consistent with our Privacy Policy and applicable law. Consent to contact is not required to purchase goods or services, but we may be unable to respond to quote requests without accurate contact information.
7. Text Messaging (SMS) Program
When you request a quote or become a client and provide your mobile number, you agree to receive text messages from Savino Insurance Group and its licensed agents about your insurance quote, appointments, policy service and follow-ups. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply.
Reply STOP to opt out at any time. Reply HELP for help, or contact savino@savinoinsurance.com or +1 (757) 450-1353. Carriers are not liable for delayed or undelivered messages. See our Privacy Policy; mobile information and text-messaging opt-in consent are never shared with third parties or affiliates for marketing or promotional purposes.
8. Intellectual property
The Site’s text, graphics, logos, and layout are owned by Savino Insurance Group or its licensors and are protected by applicable intellectual property laws. You may not copy, scrape, or reuse Site content for commercial purposes without permission.
9. Third-party links and tools
The Site may link to third-party websites, scheduling tools, or carrier resources. We are not responsible for third-party content, availability, or privacy practices.
10. Disclaimer of warranties
The Site is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.
11. Limitation of liability
To the fullest extent permitted by law, Savino Insurance Group and its team will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of your use of the Site, even if we were advised of the possibility. Some jurisdictions do not allow certain limitations; in those jurisdictions, our liability will be limited to the maximum permitted by law.
12. Indemnity
You agree to defend and indemnify Savino Insurance Group against claims arising from your misuse of the Site, your violation of these Terms, or your violation of third-party rights, except to the extent caused by our willful misconduct.
13. Governing law and disputes
These Terms are governed by the laws of the United States and the state where Savino Insurance Group principally operates, without regard to conflict-of-law rules. Courts in that state may have exclusive jurisdiction, unless a different forum is required by applicable law.
14. Changes
We may update these Terms from time to time by posting a revised version on the Site. Continued use after the effective date constitutes acceptance of the updated Terms.
15. Contact
Email savino@savinoinsurance.com or call +1 (757) 450-1353.