Terms of Service

Effective Date: 07/27/2025

These Terms of Service (“Terms”) govern your access to and use of the website, services, communications, and messaging programs operated by Craig Buchbinder (“Company,” “we,” “our,” or “us”).

By accessing our website, submitting your information, or consenting to receive communications from us, you agree to be bound by these Terms. If you do not agree, do not use our services.

1. Services Provided

Craig Buchbinder provides insurance-related information, education, marketing, and customer service services. We may connect you with licensed insurance agents or representatives to discuss insurance products, quotes, eligibility, or applications.

We do not guarantee the availability, pricing, approval, or issuance of any insurance policy.

2. Communications Consent (TCPA & A2P Compliance)

By providing your contact information and submitting any form on our website or advertisements, you expressly consent to receive communications from Craig Buchbinder and its licensed insurance agents or representatives, including:

Telephone calls (live or prerecorded)

Text messages (SMS/MMS)

Emails and marketing emails

Artificial or prerecorded voice messages

Communications may be made using:

An automatic telephone dialing system (autodialer)

AI-assisted or automated communication technologies

Communications may be for marketing, informational, or transactional purposes related to insurance products and services.

👉 Consent is not a condition of purchase.

3. SMS Messaging Program Terms

If you opt in to receive SMS or MMS messages:

Message frequency varies

Message and data rates may apply

You may opt out at any time by texting STOP

For help, text HELP or contact

Mobile information will not be sold or shared for marketing purposes. Opt-in data is used only to operate our messaging program.

4. Email Communications (CAN-SPAM)

If you opt in to receive emails:

Emails may include marketing, informational, or transactional content

You may unsubscribe at any time using the unsubscribe link in any email

5. AI & Automated Technology Disclosure

We may use artificial intelligence (AI), automation, and analytics tools to:

Respond to inquiries via chat or voice

Route calls and messages

Schedule appointments

Analyze communications for training, compliance, and quality assurance

AI technology assists our services and does not replace licensed insurance professionals where required by law.

6. User Responsibilities

You agree to:

Provide accurate and truthful information

Use our services only for lawful purposes

Not misuse, interfere with, or disrupt our systems or communications

7. No Professional or Legal Advice

Information provided through our services is for general informational purposes only and does not constitute legal, tax, or financial advice. Insurance decisions should be made in consultation with a licensed professional.

8. Third-Party Services

We may use third-party service providers (CRM platforms, SMS aggregators, AI tools, analytics providers, or marketing platforms) to deliver our services. These providers are contractually obligated to protect your information.

9. Intellectual Property

All content, trademarks, logos, and materials on our website are owned by or licensed to Craig Buchbinder and may not be copied, reproduced, or distributed without written permission.

10. Disclaimer of Warranties

Our services are provided “as is” and “as available.” We make no warranties regarding availability, accuracy, or outcomes.

11. Limitation of Liability

To the maximum extent permitted by law, Craig Buchbinder shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or communications.

12. Indemnification

You agree to indemnify and hold harmless Craig Buchbinder and its agents, representatives, and service providers from any claims arising from your misuse of our services or violation of these Terms.

13. Governing Law

These Terms are governed by the laws of the state in which Craig Buchbinder operates, without regard to conflict of law principles.

14. Modifications to Terms

We may update these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Continued use of our services constitutes acceptance of the updated Terms.

15. Contact Information

For questions regarding these Terms, contact us at:

Email:
Phone: (561) 877-1363