These Terms & Conditions govern your use of communications and services provided by Generis Organization LLC, including our website, forms, phone calls, emails, and text messaging services.
← Return to HomeThese Terms of Service ("Terms") govern your use of communications and services provided by Generis Organization LLC ("Generis," "we," "us," or "our"). By accessing our website, submitting information through our forms, requesting information, or communicating with us, you agree to these Terms.
Generis Organization LLC provides information and assistance related to life insurance products and services, which may include:
Product availability and eligibility vary by carrier, state, and underwriting requirements.
Information provided by Generis Organization LLC is intended solely for general educational and informational purposes and should not be considered legal, tax, accounting, financial, or investment advice.
Insurance products involve risks and may not be suitable for every individual. You should consult qualified legal, tax, and financial professionals regarding your personal circumstances before making financial decisions.
Quotes, illustrations, premium estimates, and product information presented by Generis Organization LLC are estimates only and are not guarantees of coverage, premiums, or policy approval.
Insurance coverage is subject to carrier underwriting guidelines, policy terms, exclusions, limitations, and applicable state regulations.
By providing your phone number and/or email address, you authorize Generis Organization LLC to contact you by phone or email regarding:
Consent to receive phone calls or emails is not a condition of purchasing insurance or any other product or service.
SMS consent is provided separately from acceptance of these general Terms. If you voluntarily provide your mobile phone number and affirmatively consent to receive text messages from Generis Organization LLC, you agree to receive SMS communications related to your inquiry, appointments, insurance quotes, application or policy updates, and customer-service needs.
By opting in to SMS communications, you represent that you are the authorized user of the mobile number provided and expressly consent to receive text messages from Kirt Patel / Generis Organization LLC at that number. Consent to receive text messages is not a condition of purchasing insurance or any other product or service.
For information about how personal information and mobile information are collected, used, and protected, please read our Privacy Policy.
You must be at least 18 years old to use our services, submit information through our website, or enroll in our text messaging program.
If you are under 18 years of age, please do not provide personal information through our website or communications channels.
Message delivery depends on your wireless carrier and device capabilities. Generis Organization LLC is not responsible for delayed, failed, misdirected, or undelivered text messages or communications.
You agree not to:
All website content, logos, branding, graphics, text, and materials are the property of Generis Organization LLC unless otherwise noted and may not be copied, reproduced, distributed, or used without prior written permission.
To the fullest extent permitted by law, Generis Organization LLC shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from:
Your use of our services is also governed by our Privacy Policy. Please review it to learn how Generis Organization LLC collects, uses, shares, and protects personal information.
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with service providers solely for the purpose of delivering services such as messaging, customer support, and appointment scheduling.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.
We reserve the right to modify these Terms at any time. Updated versions will be posted on this page and become effective immediately upon posting unless otherwise stated.
Submission of information through our website, receipt of a quote, completion of an application, or communication with Generis Organization LLC does not guarantee eligibility, approval, issuance of a policy, continuation of coverage, or any particular premium rate.
Insurance products are subject to carrier underwriting guidelines, policy terms, conditions, exclusions, limitations, and applicable state laws and regulations.
By communicating with Generis Organization LLC electronically, including through forms, email, and text messaging, you consent to receive communications electronically and agree that electronic communications satisfy any legal requirement that such communications be in writing.
We strive to keep our website and communication systems available and accurate; however, we do not guarantee uninterrupted access, error-free operation, or that all information on the website is current, complete, or free from technical errors.
We reserve the right to modify, suspend, or discontinue any portion of our website or services at any time without notice.
If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, the remaining provisions shall remain in full force and effect.