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class=\"theme-text-color-0-3\"></span><div><strong><span style=\"font-size:18px;\"><span class=\"theme-text-color-0-3\">Terms &amp; Conditions</span></span></strong></div><div><strong><span style=\"font-size:18px;\"><span class=\"theme-text-color-0-3\"></span></span></strong><br></div><div><span class=\"theme-text-color-0-3\">Effective Date: September 17, 2026</span></div><div><span class=\"theme-text-color-0-3\">These Terms &amp; Conditions (“Terms”) govern your access to and use of the website operated by Asset Protection Group of Georgia, LLC (“APG,” “we,” “us,” or “our”) at www.apgog.com.</span></div><div><span class=\"theme-text-color-0-3\">By accessing or using this website, you agree to these Terms. If you do not agree, do not use the website.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">1. Informational Purpose</span></div><div><span class=\"theme-text-color-0-3\">The website provides general information about our agency and insurance-related services. Its content is not intended to provide legal, tax, accounting, financial, risk-management, or other professional advice.</span></div><div><span class=\"theme-text-color-0-3\">Information on this website does not replace the terms, conditions, limitations, exclusions, endorsements, and definitions contained in an actual insurance policy. The policy issued by the applicable insurance carrier controls in the event of any conflict.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">2. No Insurance Coverage Created or Changed Online</span></div><div><span class=\"theme-text-color-0-3\">Visiting this website, submitting a contact form, requesting information, or communicating with us does not create an agency-client relationship, insurance contract, binder, or guarantee of coverage.</span></div><div><span class=\"theme-text-color-0-3\">Insurance coverage cannot be bound, issued, renewed, reinstated, altered, endorsed, suspended, or cancelled through this website, a website form, email, text message, voicemail, or other electronic request unless and until the requested action is expressly confirmed by an authorized representative of Asset Protection Group of Georgia, LLC or the applicable insurance carrier.</span></div><div><span class=\"theme-text-color-0-3\">Do not assume that a request has been received, processed, or approved. You are responsible for obtaining express confirmation.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">3. Claims and Urgent Requests</span></div><div><span class=\"theme-text-color-0-3\">Do not rely solely on the website, email, text message, or voicemail to report a claim, request immediate assistance, prevent a policy cancellation, or make a time-sensitive coverage change.</span></div><div><span class=\"theme-text-color-0-3\">If a matter is urgent, contact our office directly and, when appropriate, contact the applicable insurance carrier using the telephone number or claims instructions shown on your insurance policy or identification card.</span></div><div><span class=\"theme-text-color-0-3\">Submitting information does not satisfy any deadline imposed by a policy, carrier, court, contract, or law unless the applicable party confirms otherwise.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">4. Quotes and Applications</span></div><div><span class=\"theme-text-color-0-3\">Insurance quotes are estimates based on information available at the time and are subject to underwriting review, verification, eligibility requirements, inspections, consumer reports, carrier approval, and other applicable conditions.</span></div><div><span class=\"theme-text-color-0-3\">A quote is not a binder or insurance policy and does not guarantee that coverage will be available at the quoted price or on the quoted terms.</span></div><div><span class=\"theme-text-color-0-3\">You agree to provide complete and accurate information. Incomplete, inaccurate, outdated, or misleading information may affect eligibility, pricing, coverage, claims, or the validity of an insurance policy.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">5. Availability of Insurance Products</span></div><div><span class=\"theme-text-color-0-3\">Insurance products and services are subject to applicable law, carrier requirements, underwriting approval, and geographic availability. Not every product or carrier is available in every state.</span></div><div><span class=\"theme-text-color-0-3\">APG conducts insurance business only where properly licensed or otherwise authorized. APG is currently licensed to conduct insurance business in Georgia, Alabama, Tennessee, South Carolina, and North Carolina, subject to the scope and status of its applicable licenses.</span></div><div><span class=\"theme-text-color-0-3\">Nothing on this website constitutes an offer or solicitation in a jurisdiction where such activity would be unlawful.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">6. Independent Insurance Agency</span></div><div><span class=\"theme-text-color-0-3\">APG is an independent insurance agency. Insurance policies are issued by third-party insurance carriers, not by APG.</span></div><div><span class=\"theme-text-color-0-3\">APG does not guarantee the financial condition, claims decisions, conduct, availability, pricing, or continued participation of any insurance carrier. Carrier names, logos, product descriptions, and links remain subject to the rights and requirements of their respective owners.</span></div><div><span class=\"theme-text-color-0-3\">References to SIAA, Assure Alliance, EZLynx, insurance carriers, or other service providers do not make those entities responsible for this website or establish a partnership, joint venture, or guarantee unless expressly stated otherwise.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">7. Electronic Communications</span></div><div><span class=\"theme-text-color-0-3\">When you contact us electronically, you consent to receive responsive communications from us electronically, including by email or text message where appropriate.</span></div><div><span class=\"theme-text-color-0-3\">Electronic communications may be delayed, misdirected, intercepted, corrupted, or unsuccessful. You should not use ordinary email, text messages, or the general website contact form to transmit Social Security numbers, payment-card information, health records, or similarly sensitive information unless we instruct you to use an appropriate secure method.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">8. Permitted Use</span></div><div><span class=\"theme-text-color-0-3\">You may use the website only for lawful personal or business purposes related to learning about or communicating with our agency.</span></div><div><span class=\"theme-text-color-0-3\">You may not:</span></div><div><span class=\"theme-text-color-0-3\">Interfere with the website’s operation or security<br>Attempt unauthorized access to the website or related systems<br>Introduce malware, malicious code, or disruptive technology<br>Use automated tools to scrape, harvest, copy, or misuse website content or information<br>Impersonate another person or misrepresent your identity<br>Use the website for fraudulent, unlawful, abusive, or misleading activity<br>Infringe the rights of APG or another person or organization</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">9. Intellectual Property</span></div><div><span class=\"theme-text-color-0-3\">Unless otherwise indicated, the website’s original text, design, graphics, logos, layout, and other content are owned by or licensed to APG and are protected by applicable intellectual-property laws.</span></div><div><span class=\"theme-text-color-0-3\">You may view and print reasonable portions for personal, noncommercial use. You may not reproduce, distribute, modify, publish, sell, or commercially exploit website content without prior written permission.</span></div><div><span class=\"theme-text-color-0-3\">Third-party names, logos, trademarks, and content belong to their respective owners.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">10. Third-Party Links and Services</span></div><div><span class=\"theme-text-color-0-3\">The website may link to insurance carriers and other third-party websites or services. Links are provided for convenience and do not necessarily constitute an endorsement.</span></div><div><span class=\"theme-text-color-0-3\">APG does not control and is not responsible for third-party content, products, services, security, availability, terms, or privacy practices. Your use of third-party websites is governed by their respective terms and policies.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">11. Website Availability and Accuracy</span></div><div><span class=\"theme-text-color-0-3\">We attempt to provide useful and accurate information, but website content may contain errors or become outdated. We do not guarantee that the website will always be available, uninterrupted, secure, current, complete, or error-free.</span></div><div><span class=\"theme-text-color-0-3\">We may change, suspend, or discontinue any portion of the website without notice.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">12. Disclaimer of Warranties</span></div><div><span class=\"theme-text-color-0-3\">To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, or statutory.</span></div><div><span class=\"theme-text-color-0-3\">We disclaim implied warranties of merchantability, fitness for a particular purpose, title, noninfringement, and any warranties arising from course of dealing or usage of trade.</span></div><div><span class=\"theme-text-color-0-3\">This disclaimer does not alter obligations expressly imposed by an insurance policy or applicable law.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">13. Limitation of Liability</span></div><div><span class=\"theme-text-color-0-3\">To the fullest extent permitted by law, APG and its owners, employees, representatives, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:</span></div><div><span class=\"theme-text-color-0-3\">Use of or inability to use the website<br>Reliance on website content<br>Delayed, lost, or unsuccessful electronic communications<br>Unauthorized access to or alteration of communications<br>Third-party websites, services, or content<br>Malware or other harmful components transmitted through the Internet</span></div><div><span class=\"theme-text-color-0-3\">Nothing in these Terms excludes liability that cannot lawfully be excluded or limits rights created by an insurance policy or applicable insurance law.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">14. Indemnification</span></div><div><span class=\"theme-text-color-0-3\">To the extent permitted by law, you agree to indemnify and hold harmless APG and its owners, employees, and representatives from claims, damages, losses, liabilities, and reasonable expenses resulting from your unlawful use of the website, violation of these Terms, or infringement of another party’s rights.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">15. Governing Law and Venue</span></div><div><span class=\"theme-text-color-0-3\">These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles.</span></div><div><span class=\"theme-text-color-0-3\">Any legal proceeding concerning the website or these Terms shall be brought in a court of competent jurisdiction located in Fulton County, Georgia, unless applicable law requires another jurisdiction or venue.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">16. Severability and Waiver</span></div><div><span class=\"theme-text-color-0-3\">If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver of that provision or any other right.</span></div><div><span class=\"theme-text-color-0-3\"></span><br></div><div><span class=\"theme-text-color-0-3\">17. Changes to These Terms</span></div><div><span class=\"theme-text-color-0-3\">We may update these Terms periodically. Revised Terms will be posted on this page with an updated effective date. Continued use of the website after an update constitutes acceptance of the revised Terms.</span></div><div><span class=\"theme-text-color-0-3\">​</span><br></div><div><span class=\"theme-text-color-0-3\">18. Contact Information</span></div><div><span class=\"theme-text-color-0-3\">Asset Protection Group of Georgia, LLC<br>3440 Francis Road, Suite A<br>Alpharetta, Georgia 30004<br>Phone: 770-891-4441<br>Email: josh@apgog.com</span></div><span class=\"theme-text-color-0-3\"></span><br></div>","verticalAlignment":"top"},"metaData":{"position":{"left":-419,"top":185},"size":{"width":815,"height":2306}}}]}],"offset":{"left":231,"top":64}}],"connections":{"targetConnections":{},"sourceConnections":{}},"customStatesProperties":{},"pageId":"id1789690217518","version":17.004,"id":"id1789690605269","relativePoint":{"left":231,"top":64}}