Terms of Service

These Terms of Service apply to afsagency.net, its public Property & Casualty pages, and the AFS Agency text messaging program. AFS Agency is identified on this website as Atlantic Financial Services ("AFS Agency," "we," "us," or "our"). By using our website, you agree to these terms. If you do not agree, please discontinue use.

Our Privacy Policy explains how we handle personal information. Use of this website or acceptance of these terms does not, by itself, constitute consent to receive text messages.

We provide information and assistance concerning insurance and financial planning, including health, Medicare, life, travel, auto, home, and business coverage. Website content is general information, not individualized legal, tax, investment, or insurance advice. Consult an appropriately licensed professional about your circumstances.

A website inquiry, quote request, chat conversation, or text message does not bind, amend, cancel, or guarantee insurance coverage. Coverage requires confirmation through the applicable insurer and authorized agency process. Eligibility, premiums, benefits, exclusions, and availability are subject to policy terms, underwriting, licensing, and applicable law. Policy documents control if website information differs.

We are not a government agency. References to Medicare or other government programs do not imply government endorsement.

Provide accurate information and use the website only for lawful purposes. Do not impersonate others, submit another person's information without authorization, interfere with website security, upload harmful material, or attempt unauthorized access to accounts or systems.

Website text, branding, graphics, and other materials belong to AFS Agency or their respective owners. You may use them for personal, noncommercial reference; other use requires permission unless permitted by law. Third-party websites and portals have their own terms and privacy practices.

Our automated chat assistant may make mistakes. Its responses are informational and do not replace advice from an agent or insurer. Do not submit Social Security numbers, payment details, medical records, or other sensitive information through ordinary website forms, chat, or SMS.

The AFS Agency recurring policy-service SMS program is available only to customers who have affirmatively opted in through our customer e-sign consent process. Messages are limited to the policy or service and message categories identified in your signed authorization, such as renewal reminders, policy updates, appointment reminders, and customer support.

Policy-service consent does not authorize promotional texts, cross-selling, or messages about unrelated policies or services. Promotional messages require separate express written marketing consent; they are not included in this policy-service program.

Messages may be sent using automated technology. Message frequency varies based on your authorized policy or service, appointments, renewal dates, and support requests. Message and data rates may apply. Your wireless provider determines any charges under your mobile plan; contact your provider for details.

We collect affirmative SMS consent through an authorization that customers electronically sign in our backend customer onboarding or policy-servicing process. The SMS authorization must specifically identify AFS Agency, the mobile number being enrolled, the applicable policy or service, and the message categories you agree to receive. It must also disclose message frequency, possible message and data charges, STOP and HELP instructions, support contact information, and links to these terms and our Privacy Policy.

Customer status, providing a phone number, signing an insurance application, submitting a website inquiry, or accepting these terms alone does not enroll you in recurring SMS. A Medicare Scope of Appointment, enrollment authorization, HIPAA authorization, or general permission to contact is not a substitute for SMS-specific consent. Website inquiry forms are not used to enroll you in this recurring SMS program.

If your authorization is policy-specific, messages are limited to that policy and its disclosed servicing purposes. We obtain additional consent before adding unrelated policies, services, or message categories. We retain your electronically signed authorization and associated consent records as evidence of your opt-in.

Consent to receive text messages is not a condition of purchasing any product or service. You may contact us by phone or email without enrolling in SMS, and you may decline the SMS authorization without affecting your insurance purchase. Consent applies only to AFS Agency and the purposes disclosed when you opt in; it is not transferable to other businesses.

You must be at least 18 years old and the subscriber or authorized user of the mobile number you provide. Notify us if your number changes or is reassigned. An incoming text permits us to respond to that inquiry but is not consent to unrelated or recurring campaigns.

You can cancel SMS messages at any time by replying STOP to the number that sent you the message. After you send STOP, you may receive one final text confirming that you have been unsubscribed. No further SMS messages will be sent unless you provide new consent. You may also contact us to withdraw consent.

For assistance, reply HELP to the sending number, email insurance@afsagency.net, or call (717) 579-3687. To re-enroll after opting out, complete the applicable opt-in process again.

Opting out of SMS does not cancel your insurance policy or prevent essential service communications through other permitted channels. SMS is not an emergency service.

SMS availability depends on your carrier and device. Delivery is not guaranteed and may be delayed or fail. Carriers are not liable for delayed or undelivered messages. AFS Agency is not responsible for delivery failures beyond its reasonable control.

We do not sell, rent, or share mobile numbers or SMS opt-in data with third parties or affiliates for their marketing or promotional purposes. Limited disclosure to providers that deliver messages on our behalf is described in our SMS privacy disclosures.

We seek to keep information accurate, but website content may contain errors or become outdated. To the extent permitted by law, the website is provided "as is" and "as available," without warranties of uninterrupted operation, accuracy, or fitness for a particular purpose.

To the extent permitted by law, AFS Agency is not liable for indirect, incidental, special, or consequential losses arising from website use or reliance on general website information. Nothing in these terms excludes liability or limits rights that cannot lawfully be excluded or limited, or changes an insurer's obligations under an insurance policy.

We may update these terms by posting a revised version and effective date on this page. Changes to the scope of SMS consent require new consent where applicable; a terms update does not expand an existing SMS opt-in.

These terms are governed by Pennsylvania law, subject to applicable federal law and mandatory protections in your jurisdiction. Contact us using the details below with questions about these terms or the messaging program.