Terms of Service

1. Acceptance of Terms

By accessing or using the website located at aciai.co (the “Website”), you agree to be bound by these Terms of Service (“Terms”). These Terms constitute a legally binding agreement between you and Andy Cortez Insurance Agency Inc. (“ACIAI,” “we,” “us,” or “our”).

If you do not agree to these Terms, you should not access or use our Website. We reserve the right to modify these Terms at any time, and your continued use of the Website following any changes constitutes acceptance of those changes.

2. Description of Services

ACIAI operates as a licensed insurance agency in the State of California (CA DOI Agency License #6011975). Through our Website and in-person office, we provide the following services:

• Helping individuals and businesses compare insurance coverage options from multiple carriers
• Providing insurance quotes for auto, homeowners, life, commercial, and other lines of coverage
• Assisting clients with selecting appropriate insurance policies based on their needs
• Offering educational information about insurance products and coverage types
• Processing quote requests submitted through our Website

3. Insurance Agency Disclaimer

ACIAI is a licensed insurance agency, not an insurance company. We do not underwrite, issue, or guarantee any insurance policies. Our role is to help you compare coverage options, find policies that suit your needs, and connect you with insurance carriers.

All insurance policies are issued by the respective insurance carriers. The terms, conditions, exclusions, limitations, and coverage details of any insurance policy are determined solely by the issuing insurance company. ACIAI does not have authority to bind coverage, modify policy terms, or make claims decisions on behalf of any insurance carrier.

Any information provided on our Website or by our agents is for informational purposes and should not be construed as a guarantee of coverage or a binding insurance agreement.

4. Quote Requests

Submitting a quote request through our Website does not create an insurance policy, bind coverage, or establish an agent-client relationship. A quote request is simply an inquiry that allows our team to gather information and provide you with estimated pricing and coverage options.

All quotes provided are estimates based on the information you supply and are subject to change. Final premiums, coverage terms, and eligibility are determined by the insurance carrier upon review of your complete application and may differ from any initial quote provided.

5. No Guarantee of Coverage or Rates

ACIAI does not guarantee that you will qualify for any particular insurance policy, coverage level, or premium rate. Insurance eligibility and pricing are determined by insurance carriers based on a variety of factors, including but not limited to:

• Your personal and financial information
• Driving history, claims history, and credit information (where permitted by law)
• Property characteristics, location, and condition
• Business type, size, and risk profile
• Current market conditions and carrier underwriting guidelines

We strive to find you the best available options, but we cannot guarantee any specific outcome.

6. User Responsibilities

When using our Website and services, you agree to:

• Provide accurate, complete, and truthful information in all quote requests and communications
• Promptly notify us of any changes to information you have previously provided
• Use the Website only for lawful purposes and in compliance with these Terms
• Not attempt to interfere with, disrupt, or compromise the security or functionality of the Website
• Not use automated systems, bots, or scripts to access or interact with the Website without our prior written consent
• Not impersonate any person or entity or misrepresent your affiliation with any person or entity

Providing inaccurate or incomplete information may result in incorrect quotes and could affect your ability to obtain or maintain insurance coverage.

7. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, design elements, and software, is the property of Andy Cortez Insurance Agency Inc. or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, display, perform, or otherwise use any content from this Website without our prior written permission. You are granted a limited, non-exclusive, non-transferable license to access and view the Website content solely for your personal, non-commercial use in connection with obtaining information about our insurance services.

8. Limitation of Liability

To the fullest extent permitted by applicable law, ACIAI, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with:

• Your access to or use of (or inability to access or use) the Website
• Any information, quotes, or content provided through the Website
• Any actions taken based on information obtained from the Website
• Any errors, inaccuracies, or omissions in Website content
• Any unauthorized access to or alteration of your data or transmissions

The Website and all content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Indemnification

You agree to indemnify, defend, and hold harmless ACIAI, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Website, your violation of these Terms, or your violation of any rights of a third party.

10. Third-Party Links

Our Website may contain links to third-party websites or services that are not owned or controlled by ACIAI. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Accessing third-party links is at your own risk, and we encourage you to review the terms and privacy policies of any third-party site you visit.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms or your use of the Website shall be brought exclusively in the state or federal courts located in Santa Barbara County, California, and you consent to the personal jurisdiction of such courts.

12. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the provision.

13. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to the Website. The “Last Updated” date at the top of this page will be revised to reflect the date of the most recent changes. Your continued use of the Website following the posting of any changes constitutes your acceptance of those changes. We encourage you to review these Terms periodically.

14. Contact Us

If you have questions or concerns about these Terms of Service, please contact us: