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GM Insurance Agency LLC ("we," "our," or "us") respects your privacy. This policy explains how we collect, use, share, and protect your personal information when you visit our website, request a quote, become a customer, or otherwise interact with us. It applies to current and former customers and all website visitors.
We collect the following categories of personal information. The specific types depend on the products and services you request.
| Category | Examples |
|---|---|
| Identifiers | Name, address, phone, email, IP address, driver's license number, date of birth, online identifiers. |
| Insurance & financial information | Policy coverage, premium history, claims history (CLUE reports), credit-based insurance scores (where permitted), payment card/bank details. |
| Commercial information | Products or services considered/purchased, quotes obtained. |
| Internet/electronic activity | Browsing history, search queries, interaction with emails, cookie data, pixel tags. |
| Geolocation data | General location (IP address); precise location only with your consent (e.g., roadside assistance). |
| Sensitive personal information | Driver’s license, state ID, SSN (when required for underwriting), account credentials, precise geolocation, health information related to claims. Used only as necessary for insurance services, fraud prevention, or legal compliance. |
| Inferences | Risk profiles, driving behavior insights (where applicable), preferences derived from collected data. |
Sources: We collect information directly from you (forms, quotes, payments), from third parties (consumer reporting agencies like LexisNexis, CLUE, motor vehicle departments, claims databases), and automatically via cookies and similar technologies (see Section 6).
We do not use automated decision-making that produces legal effects without human review, except as permitted by insurance laws.
We do not sell your personal information for money. However, we share information as permitted by law, including:
We retain personal information as long as necessary to fulfill the purposes in this policy, comply with legal obligations (e.g., state insurance record retention – typically 5-10 years), resolve disputes, and enforce agreements. When no longer needed, we securely delete or anonymize data. We use reasonable administrative, technical, and physical safeguards, but no system is 100% secure.
Marketing emails/SMS: Click “unsubscribe” in emails or reply STOP to texts. Non-marketing messages (policy updates, billing) will continue.
Affiliate marketing sharing: Call (610) 544-4000 to request that we not share your info with affiliates for their own marketing.
State privacy rights (access, deletion, correction, opt-out): Depending on your state (CA, VA, CO, CT, UT, NV, etc.), you may request to know, delete, correct, or opt out of “sales” or targeted advertising (see Section 3). Contact Admin@geneteaminsurance.com or (610) 544-4000. We will verify your identity and respond within the timeframes required by law. You may also use an authorized agent with written permission. We will not discriminate against you for exercising your rights.
Our website is not intended for children under 13. We do not knowingly collect personal information from children. If we discover such data, we will delete it promptly.
By providing your telephone number and checking the consent box on our quote form, you expressly consent to receive calls and text messages from GM Insurance Agency LLC regarding insurance quotes, policy updates, and related communications, even if your number is currently listed on any state or federal Do Not Call list. Consent is not a condition of purchase. You may revoke consent at any time by replying STOP to any text message or by calling us at (610) 544-4000. Message and data rates may apply. We will honor opt-out requests within a reasonable time.
We do not sell your personal information for monetary compensation. However, we use third-party analytics and advertising cookies (e.g., Google Analytics, social media pixels) that may “share” your information for cross-context behavioral advertising (targeted ads). Under the California Consumer Privacy Act (CCPA/CPRA), Virginia CDPA, Colorado CPA, Connecticut CTDPA, Utah UCPA, and similar laws, residents have the right to opt out of this sharing.
Opt-out choices are browser/device specific. Clearing cookies may reset your preferences.
We do not offer financial incentives or different pricing based on privacy rights exercise. You will not be discriminated against.
California residents may ask for information about disclosures of personal information to third parties for direct marketing purposes. We do not engage in such sharing. Requests can be sent to the address above.
Nevada: You may request to be placed on our internal do-not-call list for sales calls. Call (610) 544-4000. Vermont: We will not share your information with affiliates for marketing except as allowed by law.
By accessing this website, you agree to these Terms of Use.
You may use this site only for lawful purposes (e.g., requesting insurance quotes). You may not misuse the site, interfere with its operation, or attempt to bypass security measures.
All content, logos, and design are owned by GM Insurance Agency LLC or our licensors. You may not copy, distribute, or create derivative works without permission.
We may link to external sites (carrier portals, payment processors). We are not responsible for their content or privacy practices.
These terms are governed by the laws of the Commonwealth of Pennsylvania. Disputes shall be resolved in courts located in Delaware County, PA, subject to the arbitration provision below.
We may update these terms at any time. Your continued use constitutes acceptance.
Please read this carefully. It affects your legal rights, including your right to file a lawsuit in court.
You and GM Insurance Agency LLC agree that any dispute, claim, or controversy arising out of or relating to your use of this website, our services, or these terms (including the Privacy Policy) shall be resolved exclusively by binding arbitration, rather than in court, except that you or we may assert individual claims in small claims court if they qualify.
There is no judge or jury in arbitration, but an arbitrator can award the same damages and relief as a court. Class Action Waiver: Each party may bring claims only in an individual capacity, not as a plaintiff or class member in any class, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person’s claims.
Arbitration Procedures: The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (available at adr.org). The arbitration shall be held in Delaware County, Pennsylvania, or via remote means. The prevailing party may recover reasonable attorneys' fees and costs unless prohibited by law.
Opt-Out: You may opt out of this arbitration agreement within 30 days of your first use of this website by sending a written notice to the address in Section 9, including your name, address, and a clear statement that you opt out. If you opt out, you retain the right to file a lawsuit in court.
We use cookies, pixels, and similar tracking technologies to enhance user experience, analyze traffic, and deliver relevant content.
| Type | Purpose |
|---|---|
| Strictly Necessary | Enable basic functions (form submission, security, accessibility). Cannot be disabled. |
| Analytics/Performance | Google Analytics, etc. – help us understand site usage and improve. |
| Functional | Remember preferences (cookie consent, language). |
| Targeting/Advertising | Used by third-party ad networks to show relevant insurance ads on other sites. |
Disabling certain cookies may affect website functionality.
No Coverage Bound: Insurance coverage cannot be bound, altered, or canceled via this website or email. A binding confirmation requires direct communication with a licensed agent and issuance of a formal binder or policy document.
Quotes Are Estimates: Any quote provided is an estimate based on information you supply. Final premium and coverage are subject to underwriting approval by the insurance carrier.
No Warranty: THE INFORMATION ON THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, AND ACCURACY.
Limitation of Liability: TO THE FULLEST EXTENT PERMITTED BY LAW, GM INSURANCE AGENCY LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF THIS SITE.
Indemnification: You agree to indemnify and hold harmless GM Insurance Agency LLC from any claims arising from your use of this website, violation of these terms, or violation of any third-party rights.
GM Insurance Agency LLC is committed to digital accessibility for people with disabilities. We strive to conform to Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. We regularly test our website with automated tools and manual reviews.
If you experience any difficulty accessing any part of this site, please contact us at (610) 544-4000 or Admin@geneteaminsurance.com. We will provide the information you need in an accessible format within 5 business days.
If you have questions, wish to exercise privacy rights, report an accessibility issue, opt out of arbitration, or appeal a denial of a privacy request, please contact:
GM Insurance Agency LLC
8600 W Chester Pike, Suite 210
Upper Darby, PA 19082
Phone: (610) 544-4000
Email: Admin@geneteaminsurance.com
Attn: Privacy Officer
Right to Appeal: If we deny your privacy request (e.g., access, deletion, correction), you may appeal by emailing us with “Appeal” in the subject line. We will investigate and respond within the timeframe required by applicable law.
We may update this policy from time to time. Material changes will be posted with a revised effective date. Continued use after changes constitutes acceptance.
If you are a California resident and have an unresolved privacy concern, you may contact the California Attorney General’s office.