Terms & Conditions

Effective Date: 5/12/26

These Terms & Conditions (“Terms”) govern your use of the Younis Insurance Agency website and services.

By using our website or services, you agree to these Terms.

1. Services

Younis Insurance Agency provides insurance-related information, quotes, products, and customer support services.

Coverage availability and pricing are subject to underwriting approval and carrier guidelines.

2. No Guarantee of Coverage

Submitting information through our website does not guarantee insurance coverage, approval, or pricing.

Final coverage terms are determined by the insurance carrier.

3. User Responsibilities

You agree to provide accurate and complete information when requesting quotes or communicating with our agency.

You agree not to:

  • Use the website for unlawful purposes

  • Attempt unauthorized access to systems or data

  • Submit false or misleading information

4. SMS Terms & Conditions

By opting into SMS communications from Younis Insurance Agency, you agree to receive recurring text messages related to:

  • Insurance quotes

  • Policy updates

  • Billing notifications

  • Appointment reminders

  • Customer service communications

  • Promotional offers and marketing

Message frequency may vary.

Message and data rates may apply.

You can opt out at any time by replying STOP.

For help, reply HELP or contact us directly.

Consent to receive SMS messages is not a condition of purchase.

Carriers are not liable for delayed or undelivered messages.

5. Intellectual Property

All website content, including text, graphics, logos, and design, is the property of Younis Insurance Agency unless otherwise stated.

Content may not be copied or distributed without written permission.

6. Limitation of Liability

Younis Insurance Agency is not liable for:

  • Website interruptions

  • Inaccuracies or errors

  • Indirect or consequential damages arising from website use

All services are provided “as is” without warranties of any kind.

7. Third-Party Services

Our website may integrate or link to third-party services or websites. We are not responsible for third-party content, policies, or practices.

8. Governing Law

These Terms shall be governed by the laws of the State of Michigan.

9. Contact Information

Younis Insurance Agency 455 S Livernois, Suite B23, Rochester Hills, MI 48307 / Phone: 248-413-5377 Email: hrvalley@acg.aaa.com

10. Updates to Terms

We reserve the right to update these Terms & Conditions at any time. Changes will be posted on this page with an updated effective date.