Terms of Service

Agreement to Terms

By accessing or using the services of CGS Financial Solutions LLC ("Company," "we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Our Services

CGS Financial Solutions LLC is an independent insurance agency licensed to operate in Georgia and the Southeast. We provide insurance brokerage services, helping clients find and purchase insurance policies from various insurance carriers.

Agency Relationship

When you work with us to obtain insurance, we act as your agent in shopping for and securing insurance coverage. However, the insurance policies are issued by the insurance carriers, not by CGS Financial Solutions LLC. We represent multiple insurance companies and will recommend policies based on your needs and the options available.

Quotes and Applications

• Insurance quotes provided are estimates based on the information you provide and are subject to change
• A quote does not guarantee coverage or final premium amounts
• Final coverage and premiums are determined by the insurance carrier upon review of your complete application
• You must provide accurate and complete information in your application
• Misrepresentation or omission of material facts may result in denial of coverage or cancellation of your policy

Payment and Fees

• Insurance premiums are payable to the insurance carrier as specified in your policy
• We may receive commissions from insurance carriers for policies we place
• Some services may involve fees, which will be clearly disclosed to you in advance
• Payment of premiums is your responsibility and must be made on time to maintain coverage

Policy Renewal and Changes

• Insurance policies typically renew automatically unless you or the carrier cancel
• Premium rates may change at renewal
• You must notify us of any changes that may affect your coverage (address changes, new vehicles, etc.)
• Policy changes may result in premium adjustments

Cancellation

• You may cancel your insurance policy at any time by providing written notice
• Cancellation procedures and refund policies are governed by your insurance policy and state law
• Some cancellations may result in short-rate penalties

Claims Assistance

We provide claims assistance, but all claims decisions are made by the insurance carrier. We cannot guarantee claim outcomes or payment amounts.

No Guarantee of Coverage

We make no guarantee that you will qualify for insurance coverage or that coverage will be available at any specific price. Insurance carriers have underwriting guidelines and may decline to provide coverage.

Website Use

When using our website, you agree to:

• Provide accurate and complete information
• Not use the website for any unlawful purpose
• Not attempt to gain unauthorized access to our systems
• Not interfere with the proper functioning of the website

Intellectual Property

All content on our website, including text, graphics, logos, and images, is the property of CGS Financial Solutions LLC or our licensors and is protected by copyright and trademark laws.

Disclaimer of Warranties

Our services and website are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted or error-free.

Limitation of Liability

To the fullest extent permitted by law, CGS Financial Solutions LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website.

Indemnification

You agree to indemnify and hold harmless CGS Financial Solutions LLC from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Governing Law

These Terms of Service are governed by the laws of the State of Georgia, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Georgia.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of any changes.

Severability

If any provision of these Terms of Service is found to be unenforceable, the remaining provisions will remain in full force and effect.

Contact Information

For questions about these Terms of Service, please contact us:

CGS Financial Solutions LLC
1800 Phoenix Blvd, Suite 128-12
Atlanta, GA 30349
Phone: (404) 448-2898
Email: info@cgsfinancialsolutionsllc.com