Terms of using our website.

1. No Guarantee of Coverage or Enrollment

Submitting a form on our website does not guarantee:

• insurance approval,
• policy issuance,
• quote eligibility,
• premium amount,
• subsidy eligibility,
• Medicare enrollment,
• Marketplace enrollment, or
• availability of any specific product or carrier.

Coverage decisions are subject to carrier underwriting, eligibility rules, enrollment rules, and applicable regulations.

2. Licensed Agent Contact

By submitting a form, you understand that a licensed insurance agent or authorized representative of Regal Insurance Agency may contact you regarding your request.

Contact may occur by:

• phone call
• text message
• email
• voicemail
• prerecorded or automated technology where permitted by law and where you have provided the required consent

3. SMS / Text Messaging Terms

If you opt in to receive text messages from Regal Insurance Agency:

• Message frequency varies.
• Message and data rates may apply.
• Reply STOP to opt out.
• Reply HELP for assistance.
• Consent to receive marketing text messages is not a condition of purchase.
• Separate consent may be required for informational vs. marketing messages.

4. Medicare Contact Terms

If you request Medicare-related information, you acknowledge and agree that:

• you are requesting contact from a licensed insurance agent;
• Regal Insurance Agency may discuss Medicare Advantage, Medicare Supplement (Medigap), Prescription Drug Plans (Part D), and other Medicare-related options;
• this is a solicitation for insurance;
• your consent is not a condition of enrollment.

5. Marketplace / ACA Contact Terms

If you request Marketplace / ACA-related information, you acknowledge and agree that:

• you are requesting contact from a licensed insurance agent;
• Regal Insurance Agency may discuss Individual & Family health insurance, Affordable Care Act (ACA) plans, Marketplace plan options, subsidy eligibility, and related health plan choices;
• this is a solicitation for insurance;
• your consent is not a condition of enrollment.

6. User Responsibilities

You agree that:

• the information you submit is accurate and truthful;
• you are authorized to provide the phone number and email address submitted;
• you will not use our forms for fraudulent, unlawful, or misleading purposes;
• you will not submit another person's information without permission.

7. Intellectual Property

All website content, branding, logos, text, design elements, graphics, forms, and materials on this website are the property of Regal Insurance Agency or its licensors and may not be copied, reproduced, or used without permission.

8. No Professional or Legal Advice

Information on this website is for general informational purposes only and does not constitute legal, tax, financial, or medical advice. Insurance recommendations are subject to a licensed agent's review of your specific situation.

9. Limitation of Liability

To the fullest extent permitted by law, Regal Insurance Agency shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of your use of the website, forms, or communications.

10. Privacy Policy Incorporated

Your use of the website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Governing Law

These Terms shall be governed by the laws of the State of South Carolina, without regard to conflict of law principles.

12. Changes to These Terms

We may update these Terms at any time. Updated Terms become effective when posted on this page.

13. Contact Information

Regal Insurance Agency · 1825 St Julian Pl # G-3 · Columbia, SC 29204

Office: (833) 840-5683 · Local: (803) 470-4544

Email: info@regalinsuranceagents.com · www.regalinsuranceagents.com