Effective Date: September 16, 2026
These Terms of Service (“Terms”) govern your use of the website and communication services provided by Tavares Insurance Agency LLC (“Tavares Insurance Agency,” “we,” “us,” or “our”), located at 2086 Morris Avenue, Union, NJ 07083. By using our website, submitting a quote request, or opting in to our communications, you agree to these Terms.
1. Our Services
Tavares Insurance Agency is an independent insurance agency licensed in the State of New Jersey. Information on our website is provided for general informational purposes and does not constitute an offer of insurance coverage. No coverage is bound, altered, or cancelled through this website or by text message or email. Coverage may only be bound by written confirmation from a licensed representative of the agency.
2. SMS/Text Messaging Terms and Conditions
By providing your mobile phone number and opting in, you consent to receive text messages from Tavares Insurance Agency regarding insurance quotes, policy service, billing, renewals, appointment reminders, and customer care.
- Consent is not a condition of purchase. You are not required to consent to text messaging to purchase any goods or services.
- Message frequency varies.
- Message and data rates may apply.
- To opt out at any time, reply STOP to any message. After you opt out, you will receive one final confirmation message and no further texts unless you opt back in.
- For help, reply HELP to any message or contact us at [agency phone] or [agency email].
- Mobile carriers are not liable for delayed or undelivered messages.
- No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.
3. Accuracy of Information
You agree that all information you provide to us — including through our website, by text message, or by phone — is accurate and complete to the best of your knowledge. Insurance quotes are estimates based on the information you provide and are subject to change based on carrier underwriting, reports, and verification.
4. No Professional Advice
Content on this website is not legal, financial, or tax advice. Please consult your policy documents for the actual terms, conditions, and exclusions of any insurance policy. In the event of a conflict between this website and a policy issued by an insurance carrier, the policy controls.
5. Intellectual Property
All content on this website, including text, graphics, and logos, is the property of Tavares Insurance Agency LLC or its licensors and may not be reproduced without permission.
6. Limitation of Liability
To the fullest extent permitted by law, Tavares Insurance Agency LLC will not be liable for any indirect, incidental, or consequential damages arising out of your use of this website or our communication services.
7. Governing Law
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict of laws principles.
8. Changes to These Terms
We may update these Terms from time to time. The updated version will be posted on this page with a revised effective date.
9. Contact Us
Tavares Insurance Agency LLC
2086 Morris Avenue, Union, NJ 07083
Phone: (908) 686-0404