TERMS OF SERVICE

Effective Date: January 01, 2026
Last Updated: January 01, 2026

These Terms of Service (“Terms”) govern your access to and use of the website and services provided by Harmony Insurance Agency Inc., doing business as Scott Senior Benefits (“Company,” “we,” “us,” or “our”). These Terms apply to users located within the United States.

By accessing or using our Website or services, you agree to be bound by these Terms. If you do not agree, please do not use our Website or services.

1. Business Identity

Harmony Insurance Agency Inc. operates and conducts business under the name Scott Senior Benefits. All references to “Company,” “we,” “us,” or “our” refer to Harmony Insurance Agency Inc. and its DBA, Scott Senior Benefits.

Scott Senior Benefits provides insurance consultation services and is not affiliated with, endorsed by, or acting on behalf of any government agency.

2. Services Provided

We provide insurance consultation and related services, including assistance with reviewing insurance coverage options, Medicare plan consultations, policy comparisons, enrollment assistance, renewal guidance, and related insurance products.

All insurance products are subject to eligibility requirements, underwriting approval, and insurance carrier guidelines. Coverage and rates may vary based on individual circumstances.

4. User Eligibility

You must be at least 18 years old to use this Website or request services. By using this Website, you confirm that you meet this requirement.

SMS / TEXT MESSAGE TERMS (A2P 10DLC COMPLIANT)

4.1 Program Description

If you opt in to receive SMS communications from Harmony Insurance Agency Inc. DBA Scott Senior Benefits, you may receive:

• Appointment confirmations and reminders
• Consultation follow-ups
• Customer support communications
• Policy or enrollment updates
• Renewal reminders
• Educational messages about insurance options
• Promotional or marketing messages (only with explicit consent)

Message frequency varies depending on your interaction with our services.

4.2 Consent to Receive Messages

By providing your mobile number and selecting the opt-in checkbox on our Website, you provide express written consent to receive text messages from Harmony Insurance Agency Inc. DBA Scott Senior Benefits.

Consent is not a condition of purchase.
Message frequency varies.
Message and data rates may apply.

4.3 Opt-Out Instructions

You may opt out of SMS communications at any time by replying:

STOP to unsubscribe
HELP for assistance

After opting out, you may receive one final confirmation message confirming your removal from our messaging program.

4.4 Customer Support Contact

For support regarding SMS communications, contact:

Harmony Insurance Agency Inc.
DBA Scott Senior Benefits

Email: [email protected]
Phone: +1 518-719-4630

5. Privacy Policy

Your use of our Website and services is also governed by our Privacy Policy.

6. User Responsibilities

You agree:

• To provide accurate and truthful information
• That the phone number you provide belongs to you
• Not to use our Website for unlawful purposes
• Not to attempt unauthorized access to our systems

7.Intellectual Property

All Website content is owned by Harmony Insurance Agency Inc. and protected under United States intellectual property laws. Unauthorized use, reproduction, or distribution is prohibited.

8. Limitation of Liability

To the fullest extent permitted by law, Harmony Insurance Agency Inc. shall not be liable for any indirect, incidental, special, or consequential damages resulting from use of this Website or services.

9. Governing Law

These Terms are governed by the laws of the State of New York. Any disputes shall be brought exclusively in the courts located within the State of New York.

10. Changes to These Terms

We reserve the right to modify or update these Terms at any time. Changes will be posted with a revised “Last Updated” date. Continued use of the Website constitutes acceptance of updated Terms.

11. Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your wireless carrier and is not guaranteed by Harmony Insurance Agency Inc. DBA Scott Senior Benefits.

12. Contact Information

Harmony Insurance Agency Inc.
DBA Scott Senior Benefits

Business Address:
87 Terrace Court
Clifton Park, NY 12065

Email: [email protected]