Terms and Conditions
Golden Ratio Insurance Group
Effective Date: May 6, 2026
SMS Messaging Terms & Compliance
1. Program Description
Golden Ratio Insurance Group offers an SMS messaging program that sends appointment confirmations, reminders, and customer support messages to individuals who have opted in through our website at www.goldenratioinsurancegroup.com or via our scheduling forms.
Opt-in is collected through clear consent checkboxes on our forms. Messages may include: Customer care messages may include responses to support requests, ticket updates, appointment coordination, or follow-up communications related to an existing inquiry. Promotional messages may include special offers, discounts, event promotions, and service announcements.
2. Cancellation Instructions
You can cancel the SMS service at any time by replying "STOP" to any message you receive from us.
After sending "STOP," you will receive a confirmation message
You will no longer receive SMS messages unless you opt in again
To rejoin, simply sign up again through our website or forms
3. Support Information
If you need assistance, reply "HELP" to any message or contact us:
📧 Email: [email protected]
📞 Phone: 803-740-8517
Support is available during normal business hours.
4. Carrier Liability
Wireless carriers are not responsible for delayed or undelivered messages.
5. Message & Data Rates
Message and data rates may apply. Message frequency varies based on your interaction with our services. Contact your wireless provider for details about your plan.
6. Supported Carriers
Our SMS program supports major U.S. carriers, including AT&T, Verizon, T-Mobile, Sprint, and most regional carriers.
7. Age Restriction
You must be at least 18 years old to participate in our SMS program.
8. Privacy Policy
For information on how we collect and use your data, please review our Privacy Policy at:
www.goldenratioinsurancegroup.com/privacy-policy
Compliance Statement
We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines.
General Terms
This website ("Site") is owned and operated by Golden Ratio Insurance Group ("Company," "we," or "us").
By accessing or using this Site, you agree to be bound by these Terms & Conditions, our Privacy Policy, and any additional terms that may apply.
We reserve the right to update or modify these Terms at any time. Continued use of the Site constitutes acceptance of those changes.
Intellectual Property Rights
Our Limited License to You
All content on this Site is the property of Golden Ratio Insurance Group and is protected by applicable intellectual property laws.
You may:
View and use content for personal, non-commercial purposes only
You may not:
Copy, reproduce, distribute, or exploit any content without written permission
Your License to Us
By submitting content to us (comments, messages, etc.), you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, and distribute that content as necessary to operate our business.
Disclaimers
This Site and all services are provided "as is" without warranties of any kind.
We do not guarantee:
Accuracy or completeness of information
Uninterrupted or error-free service
We are not responsible for third-party websites linked from our Site.
You agree to indemnify and hold harmless Golden Ratio Insurance Group from any claims arising from your use of the Site or violation of these Terms.
Online Services & Third Parties
We may reference or connect you with third-party services. We are not responsible for:
Their services or products
Their privacy practices
Any damages or issues resulting from third-party interactions
Your dealings with third parties are solely between you and them.
Registration & Account Security
If you create an account:
You agree to provide accurate information
You are responsible for maintaining your login credentials
You must notify us immediately of any unauthorized access
We are not liable for losses due to failure to secure your account.
Termination
We reserve the right to suspend or terminate access to the Site at our discretion, without notice, for violations of these Terms or unlawful behavior.
Governing Law
These Terms shall be governed by the laws of the State of South Carolina.
Any disputes shall be resolved through binding arbitration within South Carolina.
Changes to Terms
We may update these Terms at any time. Updates will be posted on our website with the revised effective date.
Contact Information
If you have questions regarding these Terms, contact us:
Golden Ratio Insurance Group
📞 Phone: 803-740-8517
📧 Email: [email protected]
🌐 Website: www.goldenratioinsurancegroup.com
By using our website and services, you agree to these Terms & Conditions.