Terms of Service

By accessing or using the services provided by FAM Group Holdings ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use our services.

FAM Group Holdings provides insurance brokerage services including but not limited to:

• Homeowners and renters insurance
• Auto and commercial vehicle insurance
• Life, health, and liability coverage
• Workers’ compensation and business property insurance

We act as an intermediary between you and licensed insurance carriers. We do not underwrite policies or assume insurance risk.

You agree to:

• Provide accurate, complete, and up-to-date information
• Use our services only for lawful purposes
• Not misrepresent your identity or insurance needs
• Comply with all applicable laws and regulations

False or misleading information may result in denial of coverage or policy cancellation.

Quotes provided through our website or representatives are estimates only and are not binding offers of insurance. Final coverage, terms, and premiums are determined by the issuing insurance carrier and are subject to underwriting approval.

All content on this website—including text, graphics, logos, and software—is the property of FAM Group Holdings and is protected by U.S. and international copyright laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

To the fullest extent permitted by law, FAM Group Holdings shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to loss of data, profits, or business interruption, even if we have been advised of the possibility of such damages.

You agree to indemnify and hold harmless FAM Group Holdings, its affiliates, and their officers, agents, and employees from any claim, demand, or damage arising out of your use of our services, breach of these Terms, or violation of any third-party rights.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page with an updated "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the revised Terms.

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any legal action arising from these Terms shall be brought exclusively in the state or federal courts located in New York County, New York.

If you have any questions about these Terms, please contact us:

FAM Group Holdings
123 Legacy Boulevard, Suite 500
New York, NY 10001
Email: [email protected]
Phone: (555) 123-4567