Terms & Conditions

Emerling Floss Murphy & Associates, LLC

General Terms of Use

By accessing this website or engaging with Emerling Floss Murphy & Associates, LLC (EFM&A), you agree to these Terms and Conditions. These terms govern your use of our website, services, communications, and messaging programs.

Insurance Services Disclaimer

Insurance products and services are subject to underwriting approval, policy terms, conditions, exclusions, and carrier guidelines. Nothing on this website constitutes a binding offer of insurance coverage.

Text Messaging Terms and Conditions

By providing your mobile phone number and opting in, you consent to receive informational and customer care text messages from Emerling Floss Murphy & Associates, LLC related to inquiries, policies, services, or appointments.

Message frequency may vary
Message and data rates may apply
Consent to receive messages is not a condition of purchasing any insurance product or service

For assistance, reply HELP or contact us at [insert email address].
You may opt out at any time by replying STOP.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.

Intellectual Property

All content on this website, including text, logos, graphics, and design elements, is the property of Emerling Floss Murphy & Associates, LLC and may not be copied, reproduced, or distributed without written permission.

Limitation of Liability

EFM&A is not responsible for errors, omissions, or delays in content or for any damages resulting from the use of this website or reliance on information provided.

Governing Law

These Terms and Conditions are governed by the laws of the State of New York.

Updates to These Terms

EFM&A reserves the right to modify these Terms and Conditions at any time. Continued use of our website or services constitutes acceptance of any updates.