Terms of Use

Effective November 9, 2026

1. Accepting these terms

These Terms of Use govern your use of www.kleppingerinsurance.com (the "Site"), operated by My Compass Group Inc. ("My Compass," "we," "us"), which does business in Pennsylvania and New Jersey as Kleppinger Insurance. By using the Site or submitting a form on it, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site. You must be at least 18 years old to submit a quote request.

We may update these Terms. The effective date above shows when they last changed. Changes apply from that date forward and do not change any arbitration opt-out you already sent us or any dispute already pending.

2. About us and our licenses

Kleppinger Insurance is part of My Compass Group Inc., an independent insurance agency headquartered at 80 Orville Dr, Suite 100, Bohemia, NY 11716, with a local office at 1 E Broad St, Ste 130-1002, Bethlehem, PA 18018. Quotes and policies requested through this Site are handled by My Compass Group Inc. We can place coverage only in states where we and the insurer are licensed and authorized; we serve customers in Pennsylvania and New Jersey. License details are available on request.

As an independent agency we are appointed with multiple insurance companies. We are paid by the insurer you choose, usually as a commission included in your premium; we are happy to explain how we are paid on any policy you are considering.

This Site is not a binder of coverage, an offer of insurance, or a contract of insurance. No coverage is bound, changed or cancelled through the Site. Coverage begins only when a licensed member of our team confirms it and the insurer accepts the risk.

3. Quotes and estimates

Figures shown on the Site, including the rate estimator, are general estimates based on market averages. They are not quotes and not offers. An actual premium depends on each insurer's underwriting, the information you provide, and the reports insurers order (such as driving, claims and, where permitted, credit-based insurance scores). Final terms are governed solely by the policy documents the insurer issues.

4. Website content

Content on the Site, including our explanations of Pennsylvania and New Jersey law, is general information. It does not account for your circumstances and is not legal, tax or financial advice. We are insurance professionals, not attorneys or tax advisors. Laws and coverage forms change; we try to keep the Site current but do not guarantee it is complete, accurate or up to date.

5. Information you submit

When you submit information through the Site, you agree it is true, accurate and yours (or that you are authorized to provide it, for example for household members on the same policy). Inaccurate information on an insurance application can affect the validity of coverage. Do not send Social Security, driver's license or bank account numbers through Site forms or ordinary email; if we need them, we will arrange a secure way to collect them.

6. Calls, texts and email

If you submit a quote request and agree to the consent statement shown on the form, you give My Compass Group Inc. (Kleppinger Insurance) your prior express written consent, by electronic signature, to contact you at the number and email you provided, including by calls and text messages that may use automated technology or an artificial or prerecorded voice, about your insurance quote and related insurance products and services, even if your number is on a state or national Do Not Call list.

• Not a condition of purchase. You do not have to agree to buy anything. You can call us at (484) 357-1485 instead.
• Only us. Your consent covers My Compass Group Inc., which operates Kleppinger Insurance; they are the same company. We never sell or share your information with other agencies or lead buyers.
• Opting out. You can revoke consent at any time by any reasonable means: reply STOP (or QUIT, END, REVOKE, OPT OUT, CANCEL or UNSUBSCRIBE) to a text, tell us on a call, or email info@kleppingerinsurance.com. We honor requests promptly, and no later than 10 business days. We may send one text confirming your opt-out.
• Help. Reply HELP for help. Message frequency varies. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
• Your number. Tell us if your number changes or you give up the number you provided, so we do not contact the next person who has it.

7. Electronic records and signatures (E-SIGN)

You agree that we may provide disclosures, notices and records to you electronically, and that clicking a button such as "Get my free quote" after the consent statement is your electronic signature with the same effect as a handwritten one, under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Acts adopted in Pennsylvania and New Jersey.

• To receive electronic records you need a current web browser and an email account; we may also send records by text message.
• You may request a paper copy of any record, at no charge, by emailing info@kleppingerinsurance.com or writing to our office.
• You may withdraw consent to electronic records at any time by the same means. Withdrawal does not affect records already delivered.
• Insurance policy documents are delivered by the insurer under its own e-delivery terms.

8. Acceptable use

You agree not to: use the Site unlawfully; submit someone else's information without authority; submit false or fraudulent information; attempt to gain unauthorized access to the Site or its systems; interfere with its operation; or use bots, scrapers or other automated means to collect information from it or to submit forms.

9. Intellectual property

The Site's text, design, graphics and logos are owned by My Compass Group Inc. or its licensors. You may view and print pages for your own personal, non-commercial use. Any other copying, distribution or republication requires our written permission. Insurance company names and logos belong to their owners and are shown only to identify companies we can work with; their display does not imply endorsement.

10. Third-party sites and services

The Site links to and uses services provided by others (for example insurers' websites, map services and our hosting provider). We do not control third-party sites and are not responsible for their content, availability or privacy practices. Our Privacy Policy lists the third-party services the Site uses.

11. Disclaimers and limitation of liability

The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Site will be uninterrupted, secure or error-free.

To the fullest extent permitted by law, My Compass Group Inc. and its officers, employees and agents are not liable for any indirect, incidental, special, consequential or punitive damages arising from your use of the Site, and our total liability for any claim relating to the Site is limited to one hundred dollars ($100).

New Jersey residents: the disclaimer of warranties, the exclusion of damages and the $100 cap above do not apply to you to the extent they are prohibited by New Jersey law, including the Consumer Fraud Act and the Truth-in-Consumer Contract, Warranty and Notice Act; and the venue clause in Section 13 does not stop you from bringing a claim that is not subject to arbitration in a New Jersey court with jurisdiction.

This section applies only to your use of this website. It does not limit any rights you have under an insurance policy, any duty we owe you as your licensed insurance producer, or any right under insurance laws or other statutes that cannot lawfully be waived or limited.

12. Dispute resolution and arbitration

Informal resolution first. Before starting arbitration or a court case, the party with a claim will send the other a written notice describing it and the relief requested (to us at info@kleppingerinsurance.com or our office address; to you at the contact information you gave us). We will both try in good faith to resolve it within 30 days. Any statute of limitations and filing-fee deadline is tolled while we try to resolve it informally.

Binding individual arbitration. If not resolved, any dispute arising out of or relating to the Site, these Terms, our communications with you (including calls and texts), or our handling of your information will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (available at adr.org). The Federal Arbitration Act governs this section. The arbitrator decides all issues except the scope, enforceability and validity of the class action waiver below, which a court decides. Arbitration may be held by video, by phone, on written submissions, or in person in the county where you live.

Fees. For any claim you bring as a consumer, we will pay all AAA filing, administration and arbitrator fees, except fees the arbitrator assesses against you under the AAA rules for a claim found frivolous. Each side pays its own attorneys' fees unless the arbitrator awards them under applicable law.

Mass Arbitration. If 25 or more similar arbitration demands are filed against us by the same or coordinated counsel, they will be administered under the AAA's Mass Arbitration Supplementary Rules and fee schedule. Statutes of limitations are tolled for every claim while those demands are pending.

Class action and jury waiver. You and we each waive any right to a jury trial and agree to bring claims only in an individual capacity, not as a plaintiff or class member in any class, collective or representative action. If this waiver is found unenforceable for a particular claim, that claim will proceed in court, not arbitration.

Exceptions. Either of us may bring an individual claim in small claims court if it qualifies. Nothing here prevents you from filing a complaint with, or giving information to, the Pennsylvania Insurance Department, the New Jersey Department of Banking and Insurance, the New York State Department of Financial Services, the Federal Communications Commission, the Federal Trade Commission, or a state Attorney General.

Opting out. You may opt out of this arbitration section within 30 days after you first submit a form on the Site, by emailing info@kleppingerinsurance.com or writing to My Compass Group Inc., 80 Orville Dr, Suite 100, Bohemia, NY 11716, with your name, phone number, and a statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.

13. Governing law and venue

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law rules, and by the Federal Arbitration Act for Section 12. Any claim not subject to arbitration will be brought only in the state courts located in Suffolk County, New York, or the United States District Court for the Eastern District of New York, and you and we consent to their jurisdiction. This does not take away any protection the consumer laws of your home state give you that cannot be waived.

14. General terms and contact

If any provision of these Terms is unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver. These Terms and the Privacy Policy are the entire agreement between us about the Site.

My Compass Group Inc. (Kleppinger Insurance)
Bethlehem office: 1 E Broad St, Ste 130-1002, Bethlehem, PA 18018 · (484) 357-1485
Headquarters: 80 Orville Dr, Suite 100, Bohemia, NY 11716 · (631) 318-0008
Email: info@kleppingerinsurance.com