Terms and Conditions for Web Publishing

These terms govern your use of the Pacific Associates Insurance Agency website. They describe acceptable use, legal limitations, ownership of website content, and other rules that apply when you access this site.

Site Use

You may use this website only for lawful purposes. You may not use the website in any way that could damage, disrupt, overload, or interfere with the website or another user’s access, or attempt unauthorized access to any part of the website or related systems.

No Guarantee of Coverage

Submitting information through this website does not guarantee a quote, coverage, placement, premium, eligibility determination, or policy issuance. All quotes and coverage options are subject to underwriting review, carrier requirements, policy terms, and applicable law.

No Advice

Website content is for general informational purposes only and does not constitute legal, tax, accounting, financial, or other professional advice. Please consult your own advisors regarding your specific situation.

Ownership

All website content, including text, graphics, logos, and design, is owned by Pacific Associates Insurance Agency or its licensors and is protected by applicable law. You may not copy, reproduce, distribute, modify, republish, or exploit website content without prior written permission.

Submissions

Any information you submit through this website must be accurate, lawful, and not violate the rights of others. You are responsible for the information you provide, and we may use it as described in our Privacy Policy and as otherwise permitted by law.

Third-Party Services

This website may reference or direct you to third-party websites or services. We do not control and are not responsible for their content, availability, security, or privacy practices. Use of third-party sites is at your own risk.

Warranty Disclaimer

This website and its content are provided on an “as is” and “as available” basis without warranties of any kind, to the fullest extent permitted by law.

Liability Limits

To the fullest extent permitted by law, Pacific Associates Insurance Agency will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of this website. To the fullest extent permitted by law, our aggregate liability related to this website shall not exceed one hundred U.S. dollars.

Indemnification

You agree to indemnify and hold harmless Pacific Associates Insurance Agency and its affiliates, personnel, and service providers from claims or losses arising out of your violation of these Terms and Conditions or misuse of the website, except where prohibited by law.

Governing Law

These Terms and Conditions are governed by the laws of the State of California, except where superseded by applicable federal law.

Changes to These Terms

We may update these Terms and Conditions at any time by posting a revised version on this website. Continued use of the website after changes are posted means you accept the updated Terms and Conditions.