The Fine Print.Made Clear.

This Privacy Policy describes how Shay Koko Insurance Agency / SKG Insurance & Financial Services LLC ("we," "us," or "our") may collect, use, and share information when you visit this website or interact with our agency. By using this website, you acknowledge that you have read this policy.

Information We Collect

We may collect information you voluntarily provide when you submit an inquiry or intake form, contact us by phone, email, or text message, or schedule an appointment. This may include your name, contact information, and details relevant to your insurance inquiry. We may also collect certain technical information automatically when you visit this website, such as browser type, device information, and pages visited, through standard web technologies.

How We Use Information

Information you provide is used to respond to your inquiries, assist with insurance-related requests, communicate with you about services you have requested or authorized, and operate and improve our agency and website. We do not use your information to bind, activate, or modify insurance coverage — coverage is effective only after carrier acceptance and written confirmation through the appropriate agency process.

How Information May Be Shared

We may share your information when reasonably necessary with insurance carriers, service providers, or other parties involved in providing the services you have requested, processing authorized transactions, operating agency systems, complying with applicable legal requirements, or servicing insurance-related requests. We do not sell your personal information.

Third-Party Services

This website may use third-party tools and services to support its operation, including scheduling, form processing, and communication platforms. These services have their own privacy practices, and we encourage you to review them. We are not responsible for the privacy practices of third-party services.

Cookies and Website Technologies

This website may use cookies or similar technologies to support website functionality and improve your experience. You may be able to adjust cookie settings through your browser. Disabling certain technologies may affect website functionality.

Data Security

We take reasonable steps to protect information you provide. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

Your Choices

You may contact us at any time to ask questions about the information we hold or to request that we update or remove your information, subject to applicable legal and business requirements.

SMS / Mobile Information

Mobile information and SMS consent are not sold or shared with third parties for their own marketing or promotional purposes. Information may still be shared as described in the "How Information May Be Shared" section above when reasonably necessary to provide requested services.

Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be reflected on this page. Continued use of this website after changes are posted constitutes your acknowledgment of the updated policy.

Contact Information

Questions about this Privacy Policy may be directed to us using the contact information provided at the bottom of this page.

These Terms & Conditions govern your use of the Shay Koko Insurance Agency website operated by SKG Insurance & Financial Services LLC. By accessing or using this website, you agree to these terms.

Website Use

This website is provided for informational purposes. You agree to use this website only for lawful purposes and in a manner consistent with these terms. We reserve the right to modify, suspend, or discontinue any aspect of this website at any time.

Informational Purposes

The content on this website is general and educational in nature. It is not a substitute for the actual terms, conditions, exclusions, limitations, endorsements, and provisions of an issued insurance policy. If any information on this website conflicts with an insurance policy or carrier documentation, the applicable policy or carrier documentation governs.

Insurance Information

Insurance products and coverage options described on this website may not be available to all applicants, in all situations, or in all locations. Eligibility, availability, and terms are determined by the applicable insurance carrier. We do not guarantee approval, placement, specific coverage, savings, lowest pricing, or carrier acceptance.

No Coverage Is Bound Through This Website

Submitting information through this website, an intake form, email, text message, scheduling tool, or other electronic communication does not bind, activate, change, renew, cancel, or otherwise modify insurance coverage. Coverage is not effective unless and until it has been accepted and bound by the applicable insurance carrier and confirmation has been provided through the appropriate agency process.

Third-Party Websites and Services

This website may contain links to third-party websites or services, including scheduling and intake tools. We are not responsible for the content, privacy practices, or terms of third-party websites. Links are provided for convenience only and do not constitute an endorsement.

Intellectual Property

The content, design, and materials on this website are the property of SKG Insurance & Financial Services LLC or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, or use website content without prior written permission.

Website Availability and Accuracy

We make reasonable efforts to keep this website accurate and available, but we do not guarantee that the website will be error-free, uninterrupted, or free of technical issues. Information on this website may not reflect the most current developments and is subject to change without notice.

Limitations

To the extent permitted by applicable law, we are not liable for any damages arising from your use of or inability to use this website, reliance on information provided on this website, or interactions with third-party services linked from this website.

Changes to These Terms

We may update these Terms & Conditions from time to time. Changes will be reflected on this page. Continued use of this website after changes are posted constitutes your acceptance of the updated terms.

Contact Information

Questions about these Terms & Conditions may be directed to us using the contact information provided at the bottom of this page.

These SMS Terms & Conditions apply to text message communications sent by Shay Koko Insurance Agency / SKG Insurance & Financial Services LLC ("we," "us," or "our") to consumers who have provided a mobile number and expressly opted in to receive SMS communications from us. By opting in, you may receive text messages related to: insurance quotes and coverage inquiries you have submitted; appointment reminders and scheduling confirmations; follow-up communications related to your insurance request or active policy; agency announcements and service-related updates; and responses to questions or requests you have sent to our agency. Messages are sent for insurance-related business purposes only.

Program Name

Shay Koko Insurance Agency SMS Program. This program is operated by SKG Insurance & Financial Services LLC, doing business as Shay Koko Insurance Agency, serving Texas.

Types of Messages

By opting in, you may receive text messages related to: insurance quotes and coverage inquiries you have submitted; appointment reminders and scheduling confirmations; follow-up communications related to your insurance request or active policy; agency announcements and service-related updates; and responses to questions or requests you have sent to our agency. Messages are sent for insurance-related business purposes only.

Consent

Receiving SMS messages from us requires your express opt-in consent. Providing a mobile number does not by itself constitute consent to receive text messages. Consent may be provided by submitting an intake form, scheduling an appointment, or otherwise expressly agreeing to receive SMS communications from our agency. You may withdraw consent at any time as described below.

Message Frequency

Message frequency may vary based on your interactions with our agency and the services you have requested or authorized. We do not guarantee a fixed message frequency.

Message & Data Rates

Message and data rates may apply depending on your wireless plan and carrier. Please contact your wireless carrier if you have questions about your plan's messaging rates.

Opting Out

You may reply STOP at any time to opt out of SMS communications from us. After opting out, you may receive a single final confirmation message. To re-enroll, you may contact us directly using the information below.

Help

You may reply HELP at any time for assistance, or contact us directly:

Consent Is Not a Condition of Purchase

Consent to receive text messages is not a condition of purchasing insurance products or services from our agency. You may obtain insurance products and services without consenting to receive SMS communications.

Mobile Privacy

Mobile information and SMS consent are not sold or shared with third parties for their own marketing or promotional purposes. Information may be shared as described in our Privacy Policy when reasonably necessary to provide requested services or as required by law.

Carrier / Delivery Considerations

We do not guarantee message delivery. SMS service availability may vary by carrier and location. We are not responsible for delays or failures in message delivery caused by your wireless carrier or other factors outside our control.

Changes to These SMS Terms

We may update these SMS Terms & Conditions from time to time. Changes will be reflected on this page. Continued opt-in after changes are posted constitutes your acknowledgment of the updated terms.