Acceptance of Terms

Welcome to TJM Agency. These Terms & Conditions govern your use of https://tjmagency.com/ and the website features, information, forms, appointment scheduling, and communication services made available through it.

By accessing or using this website, you agree to comply with these Terms & Conditions. If you do not agree, please discontinue use of the website.

About TJM Agency

TJM Agency, led by Thomas Maher, is an Allstate insurance agency based in Saint James, New York.

Our agency provides insurance-related guidance, consultations, and assistance with coverage options for individuals, families, and businesses.

Our website provides general information about insurance products, including auto, home, condo, renters, landlord, motorcycle, ATV, boat, life, business, and other available insurance options.

Insurance products and services are subject to applicable licensing, underwriting requirements, policy provisions, and availability.

Insurance Information Disclaimer

The insurance information on this website is provided for general educational and informational purposes.

Descriptions of coverage are summaries only and do not replace the actual terms, conditions, exclusions, limitations, or endorsements contained in an insurance policy.

Coverage availability, eligibility, premium amounts, and policy terms depend on the insurance carrier, applicant information, underwriting criteria, and applicable law.

Nothing on this website constitutes a binding commitment to issue, modify, renew, or extend insurance coverage.

Insurance Quotes and Coverage Binding

Submitting an online form, requesting a quote, booking a consultation, sending a message, or discussing insurance options with our team does not automatically establish or activate insurance coverage.

Coverage becomes effective only when properly authorized and confirmed according to the applicable insurer's binding procedures and policy requirements.

Customers should not cancel existing insurance coverage until replacement coverage has been formally confirmed.

Requests to purchase, change, cancel, or renew coverage are subject to review and authorization. An electronic request alone does not guarantee that a requested transaction has been completed.

For urgent policy-related matters, please contact our office directly during business hours or use the appropriate insurer's authorized service channels.

Consultations and Appointment Scheduling

TJM Agency offers complimentary insurance consultations, subject to availability.

Appointments booked through the website are intended to provide opportunities to discuss coverage questions, review insurance needs, and explore available options.

Submitting an appointment request does not guarantee the issuance of a policy, approval for coverage, or a specific insurance premium.

We may contact you to confirm, reschedule, or clarify an appointment request.

Accuracy of Information

You agree to provide accurate, complete, and current information when using our website forms or requesting insurance services.

Incomplete or inaccurate information may affect our ability to respond to inquiries or assist with insurance quotes and applications.

Insurance applicants remain responsible for reviewing application information, policy documents, coverage limits, exclusions, and other applicable terms before making insurance decisions.

Electronic Communications

When you contact our agency electronically, you understand that we may respond through appropriate communication channels, consistent with your preferences, applicable laws, and any required consent.

We may use email, telephone, appointment notifications, and optional text messaging to assist with services you request.

Sending an inquiry does not automatically enroll you in promotional SMS communications.

SMS Messaging Terms

Program Name: TJM Agency SMS Communications

TJM Agency may offer text message communications to individuals who have provided the required consent.

Depending on the messaging program selected, messages may include:

• Insurance consultation confirmations and appointment reminders.

• Follow-ups concerning insurance inquiries.

• Responses to questions and requested agency assistance.

• Insurance-related service updates where authorized.

• Marketing or promotional communications where separately authorized.

Consent: Participation is optional. Marketing and non-marketing SMS consent are separate where both message types are offered. Consent is not a condition of purchasing insurance.

Message Frequency: Message frequency varies according to your interactions and the messaging program you join.

Message and Data Rates: Message and data rates may apply to messages sent to or received from TJM Agency.

Opt-Out: You can cancel the SMS service at any time by replying STOP to a message from the applicable TJM Agency messaging number. After your request is processed, you may receive a confirmation that you have been unsubscribed. You will no longer receive messages from that program unless you opt in again.

Help: Reply HELP for assistance or call (631) 686-5177. You may also contact us using the verified business email listed below.

Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages.

Privacy: For details about how personal information and SMS consent are handled, please read our Privacy Policy at:

https://tjmagency.com/privacy-policy

Your wireless provider's messaging and data terms may also apply.

Website Content and Intellectual Property

Unless otherwise indicated, text, design elements, original graphics, and other website materials are owned by or used with permission by TJM Agency or their respective rights holders.

Allstate and other third-party company names, logos, trademarks, and materials remain the property of their respective owners.

You may view website materials for personal, non-commercial informational purposes. Unauthorized reproduction, distribution, modification, or commercial use may be prohibited.

Website Use Restrictions

You agree not to:

• Provide false or misleading information.

• Attempt unauthorized access to website systems or records.

• Interfere with website functionality or security.

• Use website forms for fraudulent or unlawful purposes.

• Upload malicious code or misuse communication features.

• Infringe upon the rights of other website users or third parties.

We reserve the right to restrict inappropriate use where permitted by law.

Third-Party Services and Links

Our website may link to third-party services, including insurance carrier resources, scheduling providers, and social media platforms.

TJM Agency is not responsible for the independent terms, content, policies, security practices, or availability of third-party websites.

Your interactions with such services may be subject to their own terms and privacy notices.

Website Availability

We aim to keep our website accurate and accessible. However, website features may occasionally be unavailable due to maintenance, technical issues, or other circumstances.

We do not guarantee uninterrupted access to the website or error-free operation.

Disclaimer and Limitation of Liability

To the extent permitted by applicable law, TJM Agency does not guarantee that all information presented on the website will be complete, current, or suitable for every insurance situation.

General website content should not be relied upon as a substitute for reviewing applicable insurance policy documents or discussing specific coverage with a licensed insurance professional.

Any limitations of liability under these Terms apply only to the extent permitted by law and do not limit rights or remedies that cannot lawfully be waived.

Nothing in these Terms changes the obligations of an insurance carrier under an issued policy or removes protections provided by applicable insurance law.

Governing Law

These Terms & Conditions are governed by applicable laws of the State of New York and relevant United States federal law, without limiting mandatory consumer protections or insurance regulations.

Updates to These Terms

We may update these Terms & Conditions to reflect changes in website features, business practices, or applicable legal requirements.

The updated version will be published on this page with a revised effective date. Continued use after changes become effective may be subject to the revised Terms, as permitted by law.

Contact Information

TJM Agency — Thomas Maher

462 Moriches Road
Saint James, NY 11780

Phone: (631) 686-5177
Email: email.tjmagency.com

Website: https://tjmagency.com/

Office Hours: Monday–Friday, 9:00 AM–5:00 PM Eastern Time

Privacy Policy: https://tjmagency.com/privacy-policy