Terms & Conditions for PolicyMates

Effective Date: 4/14/2026

1. Acceptance of Terms

By accessing this website or submitting information through any forms, you agree to these Terms & Conditions.

If you do not agree, please do not use this website.

2. No Professional Advice

Information provided on this website is for general informational purposes only and should not be considered professional, legal, or financial advice.

Insurance coverage decisions should be made based on individual circumstances and in consultation with a licensed professional.

3. No Guarantee of Coverage

Submitting information through this website, requesting a quote, or communicating with us does not guarantee:

  • Coverage approval
  • Policy issuance
  • Specific pricing or terms

All insurance coverage is subject to underwriting guidelines, carrier review, and final approval.

4. No Binding Coverage

Coverage cannot be bound, changed, or confirmed through this website, email, text message, or voicemail.

All coverage changes must be confirmed directly with a licensed representative and approved by the insurance carrier.

5. Accuracy of Information

You agree to provide accurate and complete information when submitting forms or communicating with us.

Incomplete or inaccurate information may affect the availability, pricing, or validity of coverage.

6. Third-Party Carriers and Providers

PolicyMates works with third-party insurance carriers and service providers.

We do not control underwriting decisions, policy terms, claims handling, or carrier actions.

All policies are subject to the terms and conditions set by the issuing carrier.

7. Limitation of Liability

To the fullest extent permitted by law, PolicyMates is not liable for:

  • Any direct or indirect damages arising from the use of this website
  • Decisions made based on information provided on this site
  • Delays, interruptions, or errors in communication

8. Website Use

You agree to use this website only for lawful purposes.

You may not:

  • Attempt to gain unauthorized access to systems
  • Submit false or misleading information
  • Interfere with the functionality of the website

9. Communication

By submitting your information, you agree that we may contact you via:

  • Phone
  • Email
  • Text message

for purposes related to your inquiry or services.

10. Intellectual Property

All content on this website, including text, design, and branding, is the property of PolicyMates and may not be copied or used without permission.

11. Changes to Terms

We may update these Terms & Conditions at any time. Updates will be posted on this page with a revised effective date.

12. Governing Law

These Terms & Conditions are governed by the laws of the State of New Mexico, without regard to conflict of law principles.

13. Contact Information

If you have any questions regarding these Terms & Conditions, you may contact:

  • 8206 Louisiana Blvd NE, Ste A5423, Albuquerque, NM, 87114
  • refael@policyamtes.com
  • (505) 630-9281
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