Terms of Service & SMS Terms and Conditions
Effective Date: 10/30/2026
1. Introduction
Welcome to Gable Grassroots Consulting LLC (“GGC,” “Company,” “we,” “us,” or “our”).
These Terms of Service govern your use of our websites, forms, digital platforms, communications, and services offered through Gable Grassroots Consulting LLC and its operated brands.
Our businesses and services include:
Gable Grassroots Consulting LLC: Business consulting, strategic services, technology solutions, and related business operations.
Check My Insurance Rate (CMIR): Insurance quote assistance, customer communications, referrals, and insurance-related services.
GGR Web Design PRO: Professional website development, design, maintenance, and digital business solutions.
VIBE Code: AI-assisted website, application, and digital solution creation services, when launched.
Additional GGC-operated services: Other business services introduced and identified as operating under GGC.
By accessing our websites or using our services, you agree to these Terms to the extent permitted by applicable law.
Separate service agreements, insurance documents, subscription disclosures, and other specific terms may also apply. Where a separate agreement conflicts with these general Terms, the more specific agreement governs the services it covers.
2. General Website and Service Use
You agree to use our websites and services for lawful purposes.
You may not:
Submit fraudulent, misleading, or unlawful information.
Attempt unauthorized access to websites, accounts, or systems.
Upload malicious software or interfere with platform operations.
Infringe upon the intellectual property or privacy rights of others.
Misuse our communications, forms, or digital services.
We reserve the right to restrict access or discontinue services when necessary to protect customers, systems, or legal interests, subject to applicable agreements and laws.
3. Check My Insurance Rate — Insurance Services
Check My Insurance Rate assists consumers and businesses with exploring available insurance options.
Insurance products and services may include homeowners, auto, renters, landlord, flood, umbrella, life, health, commercial, and specialty insurance, subject to availability.
Insurance policies may be quoted, placed, or serviced through independent insurance carriers, agencies, brokerages, and platforms.
These independent organizations are not owned by or part of Gable Grassroots Consulting LLC merely because we work with them.
Insurance-related activities requiring a license are performed by appropriately licensed individuals or entities.
Submitting a quote request does not guarantee eligibility, approval, a specific premium, or coverage.
No insurance coverage is bound, changed, issued, or canceled solely through a website submission, text message, or email inquiry.
Actual coverage is subject to the applicable insurance company's underwriting, policy terms, effective dates, and authorized confirmation.
Insurance applications, policy documents, carrier disclosures, and applicable laws govern the insurance coverage provided.
4. GGR Web Design PRO — Website and Digital Services
GGR Web Design PRO provides website development, design, maintenance, and related digital business services.
Specific pricing, project deliverables, timelines, revision allowances, maintenance obligations, and payment arrangements will be established through the applicable service offer, proposal, invoice, or written agreement.
Customers agree to provide accurate information, appropriate content, and necessary project materials.
Additional work beyond an agreed project scope may require separate authorization and fees.
Domain registrations, hosting, third-party subscriptions, and software services may be governed by separate provider terms.
Ownership of custom deliverables, customer materials, templates, and software components will be determined by the applicable agreement and third-party licensing requirements.
5. VIBE Code — AI-Assisted Services
VIBE Code is an upcoming AI-assisted service designed to help users create websites, applications, and digital solutions.
Users may be offered DIY tools, training, resources, and support, with optional professional development services available separately.
Specific features, subscription pricing, usage charges, availability, and support arrangements will be disclosed when services become available.
AI-generated content, code, and applications may contain inaccuracies, errors, security vulnerabilities, or limitations.
Users are responsible for reviewing, testing, and validating generated materials before publication or commercial use.
We do not guarantee that AI-generated output will be unique, error-free, or suitable for every business or regulatory purpose.
Users must have appropriate rights to any information or materials submitted to AI-assisted services.
Sensitive personal, insurance, health, financial, or confidential information should not be submitted to AI tools unless the particular service expressly supports that use and appropriate safeguards are established.
Additional AI platform terms may apply.
6. Fees, Payments, and Subscriptions
Certain services may involve setup fees, project charges, recurring subscriptions, usage-based charges, or third-party expenses.
The applicable agreement or purchase terms will identify:
Pricing and billing frequency.
Included services and any additional charges.
Subscription renewal conditions.
Cancellation procedures and notice requirements.
Refund eligibility, if applicable.
Contract duration and any minimum commitments.
Subscription cancellation and renewal rights will be administered according to the applicable agreement and law.
These general Terms do not establish a universal refund policy, subscription term, or cancellation fee for all brands.
7. Customer Content and Intellectual Property
Customers retain their rights in materials they own and provide to us.
By submitting materials for a requested service, customers authorize us to use those materials as reasonably necessary to perform the service.
Customers are responsible for ensuring they possess the rights and permissions required to use their submitted content.
Our trademarks, branding, proprietary materials, and independently developed technology remain protected by applicable intellectual property laws.
Ownership and licensing of completed work will be governed by the applicable written agreement.
8. SMS and Text Messaging Terms
This section applies to text messaging programs operated by Gable Grassroots Consulting LLC and its participating brands, including Check My Insurance Rate and GGR Web Design PRO.
8.1 Program Description
Depending on the brand and the individual's request or consent, text messages may include:
Insurance quote requests and follow-ups.
Policy information and service updates.
Renewal and appointment reminders.
Website project updates.
Customer support and account notifications.
Requested product or service information.
Billing or subscription-related notifications.
Marketing and promotional communications when separately authorized.
Message frequency varies based on the individual's interactions, requested services, account activity, and communication preferences.
8.2 User Consent
By affirmatively opting in to an applicable SMS program, you authorize the identified business or brand to send text messages to the mobile number provided, consistent with the consent language presented when you enroll.
Marketing messages may require separate consent from informational or transactional communications.
Consent to receive marketing text messages is not a condition of purchasing insurance or other products or services.
You represent that you are authorized to provide consent for the telephone number submitted.
8.3 Message Frequency
Message frequency varies.
The number of messages received depends on the specific program, customer relationship, service requests, account activity, and communication preferences.
8.4 Message and Data Rates
Message and data rates may apply.
Your wireless carrier may charge for text messages and data usage according to your mobile service plan.
GGC is not responsible for charges imposed by wireless carriers.
8.5 Opt-Out Instructions
You may opt out of an applicable SMS messaging program at any time by replying:
STOP
A confirmation message may be sent after your opt-out request.
Following a valid opt-out, messages covered by that request will stop unless you subsequently provide new authorization or applicable law permits a specific response.
If you participate in multiple distinct messaging programs, your opt-out will be handled according to applicable law and the programs involved.
8.6 Help Instructions
For assistance with an SMS program, reply:
HELP
You may also contact the applicable business:
Check My Insurance Rate
Phone: (888) 920-6837
Email: [email protected]
GGR Web Design PRO
Phone: (478) 449-0268
Email: [email protected]
Gable Grassroots Consulting LLC
Email: [email protected]
8.7 Supported Carriers and Delivery
SMS services are available through participating U.S. wireless carriers.
Message delivery is subject to carrier availability, network conditions, device compatibility, and other factors outside our control.
Delivery is not guaranteed.
Wireless carriers are not liable for delayed or undelivered messages.
8.8 Mobile Information Privacy
No mobile information will be shared with third parties or affiliates for their marketing or promotional purposes.
Mobile opt-in information, consent records, and telephone numbers collected for SMS communications will not be sold, rented, or shared with third parties or affiliates for their independent marketing or promotional purposes.
Text messaging originator opt-in data and consent will not be shared with third parties except service providers necessary to support messaging operations and other disclosures required or permitted by applicable law that do not involve independent third-party marketing.
Our handling of personal information is further described in our Privacy Policy:
https://gablegrassroots.com/privacy-page
8.9 SMS Eligibility
Participants must be at least 18 years old or otherwise legally authorized to provide the applicable consent under relevant law.
8.10 SMS Disclaimer
We are not responsible for delayed, blocked, or undelivered messages caused by carrier limitations, network interruptions, equipment failures, or other circumstances outside our reasonable control, to the extent permitted by law.
SMS services are provided on an as-available basis.
9. Email and Other Communications
We may communicate by email, telephone, and other methods regarding requested services, inquiries, transactions, appointments, and customer support.
Marketing communications will be subject to applicable consent, unsubscribe, and consumer protection requirements.
Users may request changes to their communication preferences by contacting the appropriate business.
10. Privacy and Data Protection
Our collection, use, disclosure, retention, and protection of personal information are described in the centralized Gable Grassroots Consulting LLC Privacy Policy:
https://gablegrassroots.com/privacy-page
Additional insurance-specific privacy notices, service provider disclosures, or data processing agreements may apply.
Independent insurance carriers, agencies, brokerages, and platforms may maintain separate privacy policies.
11. Third-Party Services
Our services may involve independent third-party providers, including insurance carriers, hosting platforms, payment processors, CRM systems, domain registrars, software providers, and AI technology platforms.
These providers may maintain separate agreements, terms, privacy policies, and service limitations.
We are not responsible for independently operated third-party services except as required by law or expressly agreed in writing.
12. Service Availability and Disclaimer
We strive to provide accurate information and reliable services.
However, general website content is provided for informational purposes.
Except where expressly agreed or legally required, we do not guarantee particular business results, insurance approvals, website traffic, search engine rankings, sales performance, or uninterrupted availability of technology services.
Nothing in these Terms excludes rights or warranties that cannot legally be excluded.
13. Limitation of Liability
To the extent permitted by applicable law, GGC is not liable for indirect, incidental, special, consequential, or punitive damages arising from use of its general websites or services.
Any additional limitations for paid services will be governed by the applicable written agreement.
Nothing in these Terms limits liability that cannot legally be excluded or restricted.
14. Termination of Services
Users may discontinue use of our general public websites at any time.
Paid services, ongoing maintenance, subscriptions, and other contractual arrangements may be terminated according to their applicable agreements and legal requirements.
Termination does not automatically eliminate outstanding contractual obligations or legally required record retention.
15. Governing Law
These Terms are governed by the laws of the State of Georgia, United States, except where mandatory laws provide otherwise.
Any applicable dispute resolution provisions in a separately executed agreement will govern the services covered by that agreement.
16. Changes to These Terms
We may update these Terms to reflect changes in business operations, services, technology, or legal requirements.
Updated Terms will be posted on this page with a revised effective date.
Where legally required, additional notice or consent will be obtained.
Continued use after changes become effective may constitute acceptance to the extent permitted by applicable law.
17. Contact Information
Gable Grassroots Consulting LLC
1400 Macon Road #247
Perry, GA 31069
General Business Contact
Email: [email protected]
Website: https://gablegrassroots.com
Check My Insurance Rate
Phone: (888) 920-6837
Email: [email protected]
Website: https://checkmyinsurancerate.com
GGR Web Design PRO
Phone: (478) 449-0268
Email: [email protected]
Website: https://ggrwebdesignpro.com
Privacy Policy: https://gablegrassroots.com/privacy-page
Terms of Service: https://gablegrassroots.com/terms-of-service
Last Updated: 10/30/2026