Terms of Service
Effective Date: August 1, 2026
Last Updated: August 6, 2026
Welcome to the website of HP Advisory Group. Please read these Terms of Service ("Terms", "Agreement") carefully before using this website (the "Service") operated by HP Advisory Group, owned and managed by Hernan Picalomino, an independent licensed insurance agent operating the GEICO Brooklyn, New York location ("us", "we", "our", or "Agency").
1. Acceptance of Terms
By accessing or using our Service, you agree to be bound by these Terms and all applicable laws and regulations in the State of New York. If you disagree with any part of these terms, you do not have permission to access the Service.
2. Independent Contractor & Agency Status
HP Advisory Group is an independently owned and operated corporate entity. Hernan Picalomino is a licensed independent insurance agent authorized to market, solicit, and facilitate the sale of insurance products underwritten by Government Employees Insurance Company (GEICO), its affiliates, or other third-party insurance carriers.
This website is a sales, marketing, and customer relationship platform. Neither HP Advisory Group nor Hernan Picalomino is an employee, partner, or joint-venture of GEICO corporate. GEICO corporate bears no responsibility or liability for the digital operations, website availability, or independent marketing practices of this specific local Agency website.
3. Absolute No-Binding Authority Disclaimer
IMPORTANT NOTICE: Coverage cannot be bound, altered, amended, or canceled via this website, online contact forms, email, voicemail, or text message.
Any submission of information, quote requests, or questionnaires through this website does NOT constitute the establishment of an active insurance policy, nor does it guarantee immediate insurance coverage. No insurance policy or coverage modification becomes effective until it is formally processed, approved, and explicitly confirmed in writing by an authorized representative of the underwriting insurance carrier (GEICO or its affiliates).
4. Limitation of Operational Scope
As a sales and marketing arm, the scope of services provided by HP Advisory Group on this website is strictly limited. Users explicitly acknowledge and agree to the following operational exclusions:
- No Underwriting Authority: The Agency does not make final risk evaluations, policy approvals, eligibility determinations, or rate placements. Final policy issuance and rate structures are determined solely by GEICO corporate underwriting guidelines and state-filed rating tables.
- No Claims Management Authority: The Agency does not investigate, evaluate, settle, adjust, process, or pay out insurance claims. All insurance claims must be reported directly to GEICO corporate via official corporate channels (e.g., geico.com, the GEICO mobile app, or GEICO corporate claims phone numbers).
- Quotes are Non-Binding Estimates: Any premium quotes or pricing estimates displayed on or generated through this website are preliminary, non-binding estimates. Final premiums are determined exclusively by the underwriting carrier after complete verification of risk profiles, driving records, and property histories.
5. Intellectual Property
All original content, features, functionality, and layout on this website are the exclusive property of HP Advisory Group and its licensors. All GEICO logos, trademarks, service marks, and trade names used on this site are the sole property of Government Employees Insurance Company and are used under authorized local agent marketing agreements. Nothing on this website grants the user any license or right to use any trademark without written permission.
6. Third-Party Links and Carrier Portals
Our Service may contain links to external third-party websites or services, including GEICO’s corporate portals for payments, policy management, and claims. HP Advisory Group has no control over, and assumes no responsibility for, the content, privacy policies, operational uptime, or security practices of any third-party websites. You acknowledge and agree that the Agency shall not be held liable for any damage or loss caused by your use of external portals.
7. Limitation of Liability
To the maximum extent permitted by New York law, HP Advisory Group, Hernan Picalomino, and their employees or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of the Service; (ii) any tech malfunctions, errors, or interruptions of the website; or (iii) any unauthorized access to or use of our secure servers.
8. Governing Law and Venue
These Terms shall be governed, construed, and enforced in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any legal action, suit, or proceeding arising out of or relating to this website or these Terms must be instituted exclusively in the state or federal courts located in Kings County (Brooklyn), New York, and you hereby consent to the personal jurisdiction of such courts.
9. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will post the updated terms on this page with a revised "Last Updated" date. Your continued use of the website after changes are posted constitutes acceptance of the new terms.
10. Contact Information
If you have any questions about these Terms, please contact us at:
HP Advisory Group
📞 (718) 550-3394
✉️ [email protected]
🌐 https://hpagroup.co
HP Advisory Group
HP Advisory Group helps New Yorkers fix insurance coverage gaps before they become expensive surprises. Get a free, no-pressure auto coverage review from local insurance agents, instead of a call center. Serving Brooklyn, Queens, Manhattan, the Bronx, Nassau County, and Suffolk County.
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Brooklyn Office
263 McGuiness Blvd
Brooklyn, NY 11222
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Sat: 10:00 AM - 4:00 PM
Sun: Closed
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