POLICY HELP DESK, TERMS OF SERVICE
Operator: Greystone Insurance Group LLC
Platform: PolicyHelpDesk.org
Effective Date: September 2, 2026
Last Updated: September 30, 2026
Greystone Insurance Group LLC ('Company,' 'we,' 'us,' or 'our'), a Florida limited liability company, owns and operates this website. Policy Help Desk is a consumer education and insurance-connection website. Policy Help Desk is not an insurance carrier, insurance agency, or insurance brokerage. Consumers may call the telephone numbers displayed on this website, or submit a request-information form asking that a licensed insurance agent contact them. By using this website, you agree to these Terms of Service. Please read them carefully.
Policy Help Desk is an insurance education and connection website owned and operated by Greystone Insurance Group LLC. Policy Help Desk is not an insurance carrier, insurance agency, or insurance brokerage.
Consumers may call the telephone numbers displayed on this website or submit a request-information form asking that a licensed insurance agent contact them. Calls and requests for information may be handled by Greystone Insurance Group LLC and/or by a licensed independent insurance agent responding to the consumer's request.
The receiving agents and agencies are not employees, downlines, producers, representatives, or agents of Greystone Insurance Group LLC.
Each receiving agent or agency is independently responsible for its licensing, carrier appointments, recommendations, quotes, disclosures, applications, policy replacements, sales practices, follow-up communications, recordkeeping, and compliance with applicable insurance laws, telemarketing requirements, and carrier rules.
Greystone Insurance Group LLC does not direct, supervise, or control the receiving agent's professional judgment, recommendations, representations, sales conduct, or activities following the call connection. Nothing on this website creates an employment, agency, partnership, joint-venture, fiduciary, or downline relationship between Greystone Insurance Group LLC and a receiving agent or agency.
Policy Help Desk is not affiliated with, endorsed by, or sponsored by any government agency. Product names, logos, and brands are the property of their respective owners.
By calling a telephone number displayed on PolicyHelpDesk.org, the consumer is voluntarily requesting to speak with a licensed insurance agent. Calling does not require the consumer to apply for or purchase insurance. Calls are recorded and may be monitored for quality, training, security, compliance, and legal-documentation purposes.
If you submit the request-information form, you are asking that a licensed insurance agent contact you by telephone about the coverage you asked about. You may be contacted by Greystone Insurance Group LLC and/or by a licensed independent insurance agent responding to your request. You are not required to apply for or purchase insurance, and consent to be contacted is not a condition of purchasing insurance. Consent may be revoked at any time using any reasonable method, including by contacting info@policyhelpdesk.org.
The request-information form is not an insurance application and does not constitute approval for insurance. Submitting it does not guarantee eligibility, approval, coverage, or pricing.
When you call Policy Help Desk, your call may be handled by Greystone Insurance Group LLC or a licensed independent insurance agent who can discuss available options, answer your questions, and help you understand what may fit your needs and budget. The responsibilities of the receiving agent are described in Section 1 above.
Any information you voluntarily share during a telephone conversation that is handled by Greystone Insurance Group LLC or a licensed independent insurance agent is received by that party. Greystone Insurance Group LLC remains responsible for its own website content, advertisements, call-routing actions, privacy practices, and conduct. The independent-agent provisions in these Terms apply only to the conduct of receiving agents and agencies outside Greystone's direction or control after the call connects.
Greystone Insurance Group LLC may use service providers for website hosting, call routing, call recording, customer relationship management, communications, analytics, security, and regulatory compliance.
These service providers support Policy Help Desk's operations and are not authorized to independently market unrelated insurance products to consumers merely because they provide technical or administrative services.
Policy Help Desk does not determine eligibility, issue insurance, underwrite applications, guarantee approval, set premiums, or make coverage decisions. Insurance availability, eligibility, premiums, benefits, limitations, waiting periods, and underwriting requirements vary by carrier, product, state, and applicant. Any quote, recommendation, or application assistance is provided by the licensed agent or agency handling the call or responding to your request.
Calling Policy Help Desk or submitting the request-information form does not guarantee that you will qualify for any insurance coverage, that any particular rate or benefit will be available to you, or that any agent will be able to assist you. Insurance products are offered only where the handling agent is appropriately licensed and authorized.
Calls placed to Policy Help Desk telephone numbers, including (866) 673-3495 and (866) 837-0682, are recorded and may be monitored for quality, training, security, compliance, and legal-documentation purposes. By calling these numbers, you acknowledge and agree to call recording. This recording disclosure applies only to calls placed to Policy Help Desk telephone numbers. Greystone Insurance Group LLC does not record conversations that occur outside this call path or after the call has disconnected.
This website does not provide billing, claims, or customer service for any insurance company. If you have questions about an existing policy, contact your insurance carrier directly. Greystone Insurance Group LLC facilitates connections for new coverage inquiries only.
All content on this website, including text, graphics, logos, images, and software, is the property of Greystone Insurance Group LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.
Depending on your state of residence, you have rights regarding your personal information under applicable state privacy laws, including the right to access, correct, delete, and obtain a portable copy of your personal information, and the right to opt out of the sale and sharing of your personal information for targeted advertising. State-specific rights are detailed in our Privacy Policy, including provisions for residents of California (CCPA/CPRA), Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), and Florida (FDBR).
To opt out of the sale or sharing of your personal information, visit our Do Not Sell or Share My Personal Information page, email info@policyhelpdesk.org, or call (866) 673-3495. We honor Global Privacy Control (GPC) signals.
This website and its services are provided on an "as is" and "as available" basis. Greystone Insurance Group LLC makes no warranties, express or implied, regarding the accuracy, completeness, or suitability of information on this website. All insurance products, prices, and availability are subject to change without notice and depend on individual eligibility.
To the fullest extent permitted by law, Greystone Insurance Group LLC, its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:
(a) Your use of or inability to use this website or its services;
(b) The conduct, representations, or omissions of any independent licensed insurance agent;
(c) Any insurance policy purchased through or as a result of a referral from this platform;
(d) Any unauthorized access to or use of our servers or your personal information.
In no event shall Greystone Insurance Group LLC's total liability exceed the greater of (i) the amount paid by you for access to this website (which is zero for general consumers), or (ii) one hundred dollars ($100.00).
You agree to defend, indemnify, and hold harmless Greystone Insurance Group LLC, its affiliates, officers, employees, and agents from any claims, liabilities, damages, or expenses (including reasonable legal fees) arising from your use of this website or your violation of these Terms.
ANY DISPUTE, CLAIM, OR CONTROVERSY arising out of or relating to these Terms, the Privacy Policy, or your use of this website shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The arbitration shall be conducted in Florida, or by telephone/video conference at the parties' election.
YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. All claims must be brought in an individual capacity only.
Notwithstanding Section 11.1, either party may bring an individual action in small claims court for claims within the jurisdictional limit of such court.
You may opt out of mandatory arbitration by sending written notice to Greystone Insurance Group LLC within thirty (30) days of first accepting these Terms. Opt-out requests must be sent to info@policyhelpdesk.org with the subject line "Arbitration Opt-Out."
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes not subject to arbitration shall be resolved exclusively in the state or federal courts located in Florida.
We may update these Terms at any time. Updated Terms will be posted with a revised effective date. Your continued use of this website after posting constitutes acceptance of the updated Terms.
Greystone Insurance Group LLC
Florida
Email: info@policyhelpdesk.org
Phone: (866) 673-3495
Hours: Mon–Fri, 9am–6pm ET