Terms & Conditions

By accessing or using the website of GEORGE ALMALIKY INSURANCE AGENCY INC (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use this website. These Terms and Conditions apply to all visitors, users, and others who access or use our website and services.

This website is provided for informational and lead-generation purposes related to insurance products and services. You agree to use this website only for lawful purposes and in a manner consistent with all applicable local, state, and federal laws. You may not use this website to:

• Transmit any unlawful, threatening, abusive, harassing, or defamatory content.
• Impersonate any person or entity or falsely represent your affiliation with any person or entity.
• Collect or store personal data about other users without their consent.
• Attempt to gain unauthorized access to any portion of the website or its related systems.
• Introduce any viruses, malware, or other harmful code.
• Use automated tools to scrape, crawl, or extract data from this website without written permission.

Any insurance quotes, estimates, or coverage information provided through this website or by our agents are for informational purposes only and do not constitute a binding offer of insurance coverage. All quotes are subject to:

• Underwriting review and approval by the applicable insurance carrier.
• Verification of the information you provide during the quote process.
• Final approval by a licensed insurance professional.
• Changes in carrier rates, availability, and eligibility criteria.

No coverage is in force until a policy has been issued, all required documentation has been completed, and applicable premiums have been paid to the insurance carrier.

We make no guarantee that any specific type or amount of insurance coverage will be available to you. Insurance eligibility is determined by individual carriers based on their underwriting guidelines, and our agency cannot guarantee approval. We act as an independent agent and broker, not as an insurance carrier.

We work with multiple independent insurance carriers. Our agency earns compensation in the form of commissions from carriers when policies are placed. This compensation does not affect the cost of your insurance premium. Our recommendations are based on your stated needs and available carrier options, not on commission rates.

All content on this website — including but not limited to text, graphics, logos, images, and software — is the property of GEORGE ALMALIKY INSURANCE AGENCY INC or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content on this website without our express written permission.

By submitting a contact form or quote request on this website, you consent to receive electronic communications from us, including email responses, follow-up messages, and policy-related notifications. These communications are necessary to fulfill your service request and are not considered unsolicited commercial messages.

By providing your phone number on our website or during a consultation, you consent to receive calls and, where applicable, text messages from our agency related to your insurance inquiry. Standard message and data rates may apply. You may opt out of SMS communications at any time by replying STOP to any text message or by contacting us directly.

You are responsible for ensuring that all information you provide to us is accurate, complete, and current. Providing false or misleading information in connection with an insurance application may constitute insurance fraud, which is a criminal offense under Michigan law. You are also responsible for maintaining the confidentiality of any account credentials associated with our services.

We reserve the right to modify, suspend, or discontinue this website or any of our services at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of services.

This website and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

To the fullest extent permitted by applicable law, GEORGE ALMALIKY INSURANCE AGENCY INC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website or our services, including but not limited to loss of revenue, loss of data, or loss of business opportunity. Our total liability for any claim arising from your use of our website shall not exceed the amount paid by you, if any, for the specific service giving rise to the claim.

You agree to indemnify, defend, and hold harmless GEORGE ALMALIKY INSURANCE AGENCY INC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or related to your violation of these Terms and Conditions or your use of our website.

Any dispute arising from or relating to these Terms and Conditions or your use of our website shall first be subject to good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within 30 days, the parties agree to submit the dispute to binding arbitration in Dearborn Heights, Michigan, in accordance with the rules of the American Arbitration Association. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction.

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

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of the website following the posting of changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of any link does not imply our endorsement of that website.