These Terms and Conditions (“Terms”) govern your use of the Mos Insurance Agency LLC website (https://www.mosinsuranceagency.com/index.html), including any content, functionality, and services offered on or through the website, and your relationship with Mos Insurance Agency LLC (“Company,” “we,” “us,” or “our”).

By using our website and services, you accept and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

Company Name: Mos Insurance Agency LLC
Address: 3101 Bailey Avenue, Buffalo, NY 14215, USA
Email: mhussain@mosinsuranceagency.com
Phone: 716-939-7493
Website: https://www.mosinsuranceagency.com/index.html

You may use our website for lawful purposes and in accordance with these Terms. You agree not to use our website:

• In any way that violates applicable laws or regulations
• To transmit or procure the sending of any advertising or promotional material without our prior written consent
• To impersonate or attempt to impersonate the Company, a Company employee, or any other person
• To engage in any conduct that restricts or inhibits anyone’s use of the website

You agree not to:

• Use the website in any manner that could disable, overburden, damage, or impair the site
• Use any robot, spider, or other automatic device to access the website
• Introduce any viruses, Trojan horses, worms, or other harmful material
• Attempt to gain unauthorized access to any parts of the website

• All information provided by you must be accurate, complete, and up to date
• We reserve the right to verify the accuracy of any information provided
• Inaccurate information may result in denial of services or invalidation of insurance policies

• Insurance quotes provided are estimates only and are subject to verification
• Final insurance premiums may differ based on underwriting and verification processes
• Submission of an application does not guarantee approval or issuance of a policy

The Phone Numbers obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

If you have consented to receive text messages from Mos Insurance Agency LLC, you may receive text messages related to: (Appointment reminders, meetings, and follow-ups on cases.)

For Example: Hello Thank you for contacting Square Insurance Agency inc, how can we help you? Reply Stop to opt-out at any time. Message and data rates may apply, for assistance, text Help” or visit our [Privacy Policy: https://www.mosinsuranceagency.com/privacy-policy/] and [Terms and Conditions: https://www.mosinsuranceagency.com/terms-and-conditions/]

Our SMS message frequency will be from 50 to 800 text messages daily across all users.

Many carriers charge a fee for each message sent or received. This can vary depending on the carrier’s pricing structure and whether the message is sent domestically or internationally.

Customer will Opt-In for SMS messaging from Mos Insurance Agency LLC, through Contact Us Page (https://www.mosinsuranceagency.com/contact-us.html), this agreement for SMS will not be shared with third parties for marketing purposes.

Customer will be able to opt out of SMS messaging from Mos Insurance Agency LLC by replying STOP at any time to any received SMS message, once opted-out they will receive no further SMS communication. They can Opt back In at any time by replying START.

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at https://www.mosinsuranceagency.com/contact-us.html or Text HELP to 716-939-7493

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

• Message and data rates may apply.
• You can opt out at any time by texting “STOP.”
• For assistance, text “HELP” or visit our Privacy Policy https://mosinsuranceagency.com/privacy-policy/ and Terms and Conditions: https://mosinsuranceagency.com/terms-and-conditions/ pages
• Message frequency may vary.

The website and its entire content, features, and functionality are owned by Mos Insurance Agency LLC and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any materials from our website without our prior written consent.

While we strive to provide accurate information, we make no warranties or representations about the accuracy or completeness of the content on our website.

Our website may contain links to third-party websites. We are not responsible for the content or practices of any linked websites.

To the fullest extent permitted by law, Mos Insurance Agency LLC shall not be liable for any direct, indirect, special, incidental, consequential, or punitive damages arising from your use of the website or services.

You agree to indemnify and hold harmless Mos Insurance Agency LLC and its officers, directors, employees, and agents from any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of your use of the website or violation of these Terms.

We reserve the right to modify these Terms at any time. All changes are effective immediately when posted on this page. Your continued use of the website after any changes indicates your acceptance of the revised Terms.

We may terminate or suspend your access to the website immediately, without prior notice or liability, for any reason, including breach of these Terms.

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms shall be settled by arbitration in accordance with the rules of the American Arbitration Association.

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Mos Insurance Agency LLC regarding your use of our website and services.

Last Updated: [07/28/2025]

Last updated: 07/28/2025

Please read these terms and conditions carefully before using Our Service.

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

For the purposes of these Terms and Conditions:

• Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
• Country refers to: New York, United States
• Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Mos Insurance Agency LLC, 3101 Bailey Avenue, Buffalo, NY 14215, USA
• Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
• Service refers to the Website.
• Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service. This Terms and Conditions agreement has been created with the help of the https://www.freeprivacypolicy.com/free-terms-and-conditions-generator/.
• Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
• Website refers to Mos Insurance Agency LLC, accessible from https://mosinsuranceagency.com
• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

When user opt into our SMS messaging service, you should expect to receive a maximum of (5) SMS messages from us per month. These messages will provide you with updates, information, and content related to our services.

Messages and Data Rates. Please be aware that the message and data rates may apply to any SMS messages sent or received. The rates are determined by your carrier and the specifics of your mobile plan

User opt-in when the fill the form on our website

Confirmation: Thank you for opting into SMS messages from Mos Insurance Agency LLC. To opt-out at any time reply stop. Messages and data rates may apply. Messages frequency may vary.

Text STOP to opt out

Confirmation: Thank you for opting out of SMS messages from Mos Insurance Agency LLC. You will not receive further SMS communication. To opt back reply "start"

Thank you for contacting Mos Insurance Agency. We will get in touch with you soon to help you. For immediate assistance please get in touch with us via 716-939-7493 visit our contact page.

For more details, please review our Privacy Policy

• Messaging frequency may vary.
• Message and data rates may apply.
• To opt out at any time, text STOP.
• For assistance, text HELP or visit our website at https://mosinsuranceagency.com/contact/.
• Visit https://mosinsuranceagency.com/privacy-policy/ for privacy policy and https://mosinsuranceagency.com/terms-and-conditions/ for Terms and Conditions.

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately.

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice.

Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which You are resident.

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.

If you have any questions about these Terms and Conditions, You can contact us:

• By email: mhussain@mosinsuranceagency.com
• By visiting this page on our website: https://mosinsurance.com/contact/
• By phone number: 716-939-7493

By opting into SMS from a web form, you are agreeing to receive SMS messages from Mos Insurance Agency LLC. This includes SMS messages for appointment scheduling, appointment reminders, post-visit instructions, lab notifications, and billing notifications. Message frequency varies. Message and data rates may apply. See privacy policy at https://mosinsuranceagency.com/privacy-policy/. Message HELP for help. Reply STOP to any message to opt out.