Terms &
Conditions of Use

Web Site Terms and Conditions of Use

1. Terms

By accessing this website, you are agreeing to be bound by these web site Terms and Conditions of Use, applicable laws and regulations, and their compliance. If you disagree with any of the stated terms and conditions, you are prohibited from using or accessing this site. The materials contained in this site are protected by relevant copyright and trademark law.

2. Licensing Disclosures

Geebu Insurance Agency is an independent commercial and personal insurance agency licensed to solicit, negotiate, and transact insurance in the States of New York, New Jersey, and Connecticut. We represent multiple top-rated national and regional insurance carriers.

3. Disclaimer & Binding Coverage Notice

Important notice: Submitting a quote request, contact form, policy change, or electronic application through this website does not constitute a binding insurance contract, coverage binder, or immediate policy issuance.

The materials on Geebu Insurance Agency’s site are provided “as is”. Insurance coverage cannot be bound, altered, canceled, or added via online form submissions, voicemail, or automated website interactions. Coverage is only bound or modified once you receive direct written confirmation, a formal binder, or a policy document directly from an authorized, licensed agent at Geebu Insurance Agency or the underwriting insurance carrier.

4. Interactive Visuals & Quotes

All premium estimates, risk visualizers, quotes, and projections displayed or generated via quote links are non-binding estimates. Final insurance terms, availability, and premiums are governed exclusively by carrier underwriting verification, motor vehicle reports (MVR), loss run histories, credit scoring (where permitted by state law), and physical property inspections. Digital state cards (FS-20) and Certificates of Insurance (COIs) are issued solely as a matter of information.

5. Use Constraints & Conduct

You agree to use this website strictly for lawful insurance evaluation purposes. You agree that you will not:

• Use the website in violation of local, state (NY, NJ, CT), or federal regulations;
• Provide false, inaccurate, or misleading information on insurance quote forms;
• Attempt to introduce viruses, Trojan horses, or malicious code;
• Scrape, reverse engineer, or extract data from our website without prior written authorization;
• Impersonate Geebu Insurance Agency, its licensed agents, or any other entity.

6. Communications & SMS Consent

By submitting your phone number and email address on our website quote forms or chat widgets, you grant explicit consent for Geebu Insurance Agency and its licensed representatives to contact you via phone, email, or SMS/text messaging regarding your quote request, policy service, or renewal options. Standard message and data rates may apply. You may opt out of text communications at any time by replying “STOP.”

7. Links & External Portals

Geebu Insurance Agency has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Geebu Insurance Agency of the site. Use of any such linked website is at the user’s own risk.

8. Governing Law

Any claim relating to Geebu Insurance Agency’s site shall be governed by the laws of the State of New York without regard to its conflict of law provisions. General Terms and Conditions applicable to Use of a Web Site.

Privacy Policy

Your privacy is critical to us. Likewise, we have developed this Policy in order for you to understand how we collect, use, communicate, disclose, and make use of personal information. The following outlines our privacy policy.

• Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
• We will collect and use personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
• We will only retain personal information as long as necessary for the fulfillment of those purposes.
• We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
• Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
• We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification.
• We will readily make available to customers information about our policies and practices relating to the management of personal information.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.