1. Insurance Disclaimers

1.1 General Disclaimer

Total Quality Insurance provides insurance quoting, comparison, and advisory services as a licensed independent insurance agency. We are not an insurance carrier and do not issue, underwrite, or guarantee any insurance policies. All policies are issued by and are the sole responsibility of the respective insurance company.

1.2 Quotes and Estimates

Insurance quotes and premium estimates provided through this website, by phone, email, text, or in person are preliminary estimates only and are subject to:

• Verification of all information provided by the applicant
• Underwriting review and approval by the issuing carrier
• Applicable state regulations, laws, and rate filings
• Changes in risk factors, market conditions, or carrier pricing between the quote date and the policy effective date

A quote is not a binder, a contract, or a guarantee of coverage. Final policy terms, conditions, premiums, and deductibles may differ from the quote.

1.3 Website Content

The articles, blog posts, guides, calculators, checklists, quizzes, and other educational content on this website are provided for general informational purposes only. This content:

• May not reflect the most current laws, regulations, or market conditions
• Is not a substitute for professional insurance, legal, financial, or tax advice
• May contain examples, scenarios, or illustrations that do not apply to your specific situation
• Should be verified with a licensed insurance professional before making coverage decisions

1.4 Savings and Cost Comparisons

Any references to potential savings, cost comparisons, or average premiums on this website are:

• Based on historical data and are not guaranteed for any individual
• Dependent on individual risk factors, location, coverage levels, and carrier pricing
• Subject to change without notice
• Not a promise, warranty, or guarantee of any specific outcome

1.5 Testimonials and Reviews

Client testimonials and reviews displayed on this website reflect the personal experiences and opinions of those individuals. Results and experiences vary, and testimonials are not indicative of future performance or results. Individual results may differ.

2. SMS / Text Message Compliance

2.1 Consent

By providing your mobile phone number and opting in to receive text messages from Total Quality Insurance, you expressly consent to receive recurring automated and non-automated text messages related to:

• Insurance quotes, policy information, and renewal reminders
• Claims updates and status notifications
• Appointment confirmations and reminders
• Service announcements and account notifications
• Promotional offers and marketing messages (with separate opt-in consent)

Consent to receive text messages is not a condition of purchasing any service or product.

2.2 Message Frequency and Charges

• Message frequency varies based on your interactions and policy activity
• Message and data rates may apply depending on your mobile carrier and plan
• Total Quality Insurance does not charge for text messages, but your carrier may
• Compatible carriers include, but are not limited to: AT&T, Verizon, T-Mobile, Sprint, and most major U.S. carriers

2.3 Opt-Out / Stop

You may opt out of text messages at any time by:

• Replying STOP to any text message from us
• Calling us at 706-434-8184
• Emailing privacy@totalqualityinsurance.com

After opting out, you will receive a single confirmation message. You will not receive any further text messages from us unless you re-subscribe.

2.4 Help

For help with text messaging, reply HELP to any message or contact us at 706-434-8184.

2.5 Privacy

We will not share your mobile phone number or text messaging opt-in data with third parties for their marketing purposes. Your mobile information is protected under our Privacy Policy. For carrier-specific privacy information, please refer to your mobile carrier's privacy policy.

3. Email Compliance (CAN-SPAM)

3.1 Our Commitments

In all commercial email communications, we:

• Identify ourselves clearly as Total Quality Insurance in the "From" field
• Use accurate subject lines that reflect the content of the email
• Include our physical mailing address in every email
• Provide a clear unsubscribe mechanism in every marketing email
• Honor opt-out requests within 10 business days
• Do not use deceptive headers, misleading subject lines, or false sender information
• Do not sell or share email addresses with third parties for marketing purposes

3.2 Types of Emails

• Transactional emails: Policy documents, payment confirmations, claims updates — these are not marketing emails and cannot be unsubscribed from as they relate to your existing relationship with us
• Marketing emails: Newsletters, promotions, educational content, and seasonal reminders — you may unsubscribe from these at any time

3.3 Unsubscribing

To unsubscribe from marketing emails:

• Click the "Unsubscribe" link at the bottom of any marketing email
• Email privacy@totalqualityinsurance.com with "UNSUBSCRIBE" in the subject line
• Call us at 706-434-8184

4. Data Security Statement

4.1 Security Measures

We employ multiple layers of security to protect your information:

• Encryption in transit: All data transmitted between your browser and our servers is encrypted using SSL/TLS (HTTPS) protocols
• Encryption at rest: Sensitive personal data stored in our systems is encrypted
• Access controls: Strict role-based access controls limit who can view and process personal information
• Network security: Firewalls, intrusion detection, and regular security monitoring protect our infrastructure
• Vendor management: Third-party service providers are vetted for security compliance
• Employee training: All team members receive regular training on data handling and security practices
• Incident response: We maintain an incident response plan for prompt handling of any security events

4.2 Payment Security

We do not directly process or store credit card numbers. All payment transactions are handled by PCI DSS-compliant third-party payment processors. We never have access to your full credit card number.

4.3 Data Breach Notification

In the unlikely event of a data breach affecting your personal information, we will:

• Notify affected individuals as required by applicable state and federal laws
• Notify relevant regulatory authorities as required by law
• Take immediate steps to contain and remediate the breach
• Provide guidance on protective measures you can take

Georgia and South Carolina both have data breach notification laws that we comply with fully. For more information:

• Georgia Consumer Protection Division
• South Carolina Department of Consumer Affairs

5. Accessibility Statement (ADA Compliance)

5.1 Our Accessibility Commitment

Total Quality Insurance is committed to ensuring that our website is accessible to all users, including those with disabilities, in accordance with the Americans with Disabilities Act (ADA) and Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards.

5.2 Accessibility Features

We strive to ensure that our website includes the following accessibility features:

• Semantic HTML: Proper use of headings, landmarks, and ARIA labels for screen reader compatibility
• Keyboard navigation: All interactive elements are accessible via keyboard
• Color contrast: Text and interactive elements maintain sufficient contrast ratios
• Alt text: Images include descriptive alternative text for screen readers
• Responsive design: Content adapts to different screen sizes, zoom levels, and orientations
• Form labels: All form fields include descriptive labels and error messages
• Focus indicators: Visible focus indicators for keyboard navigation
• Readable fonts: Clear, legible typography with appropriate sizing

5.3 Ongoing Efforts

We continually review and improve our website's accessibility by:

• Conducting regular accessibility audits
• Testing with assistive technologies (screen readers, keyboard navigation)
• Training our development team on accessibility best practices
• Incorporating accessibility into our design and development processes

5.4 Alternative Access

If you encounter accessibility barriers on our website, we offer alternative means to access our services:

• Phone: 706-434-8184 — Our agents can provide any information or service available on the website
• Email: support@totalqualityinsurance.com
• In-person: Visit our CSRA office for in-person assistance

5.5 Feedback

We welcome your feedback on the accessibility of our website. If you encounter any accessibility barriers or have suggestions for improvement, please contact us:

• Email: accessibility@totalqualityinsurance.com
• Phone: 706-434-8184

We will make reasonable efforts to respond to your feedback within 5 business days and work toward a resolution.

6. Licensing Information

Total Quality Insurance is a licensed independent insurance agency operating in compliance with the insurance regulations of each state where we conduct business. Our licensing information includes:

• Agency License: Licensed as an independent insurance agency in the states of Georgia, South Carolina, and additional states as listed
• Individual Agent Licenses: All agents are individually licensed in their respective states of operation
• Regulatory Oversight: Subject to oversight by state Departments of Insurance

For verification of our licensing status, contact:

• Georgia Office of the Commissioner of Insurance
• South Carolina Department of Insurance
• National Association of Insurance Commissioners (NAIC)

7. Contact Information

For questions or concerns about any information on this page, contact us:

• General Inquiries: 706-434-8184
• Privacy Matters: privacy@totalqualityinsurance.com
• Legal Matters: legal@totalqualityinsurance.com
• Accessibility: accessibility@totalqualityinsurance.com
• Mail: Total Quality Insurance, CSRA - SC & GA