Terms of Use

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE

COPYRIGHT NOTICE

The content of this site, including but not limited to the text and images herein and their arrangement, is copyrighted by Perfect California Insurance Agency, Inc (hereafter PCIA) and is protected by worldwide copyright laws and treaty provisions. All Rights Reserved.

LIMITED AUTHORIZATION OF USE

You hereby acknowledge and agree that the content accessible within this website is the proprietary information of PCIA, and PCIA retains all rights, titles, and interests in such content. PCIA hereby provides you with a nonexclusive, nontransferable, limited, revocable right to use this website solely for personal and informational use. PCIA hereby authorizes you to copy and display the content herein, but only for your personal or informational and non-commercial use. However, the content herein shall not be copied or posted on any network computer, storage device, or broadcast in any media. Any copy you make must include this copyright notice. If attribution to PCIA is included, limited quotations from the content are hereby permitted. You may not copy or display for redistribution to third parties for commercial purposes any portion of the content without the prior written permission of PCIA. No modifications of any content may be made. PCIA may terminate your right to use this website at any time if you are in breach of the terms of this Agreement.

NO IMPLIED LICENSES

Nothing contained herein shall be construed as conferring by implication or otherwise any license or right under any patent, trademark, copyright (except as expressly provided above), trade secret information, or proprietary rights of PCIA or any third party.

CONTENT

PCIA makes no representations about the suitability of the content of this site for any purpose. All content is provided as is without any warranty of any kind. PCIA hereby disclaims all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and non-infringement. In no event shall PCIA be liable for any special, indirect, exemplary, or consequential damages or any damages whatsoever, including but not limited to loss of use, data, or profits, without regard to the form of any action, including but not limited to contract, negligence or other tort actions, arising out of or in connection with the use, copying or display of the content. Although PCIA believes the content to be accurate, complete, and current, PCIA makes no warranty as to the accuracy, completeness, or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors. From time to time, changes are made to the content herein. PCIA may make changes to the products and/or the services described herein at any time.

LINKS TO OTHER SITES

Some of the sites listed as links herein are not under the control of PCIA. Accordingly, PCIA makes no representations whatsoever concerning the content of those sites. The fact that PCIA has provided a link to a site is not an endorsement, authorization, sponsorship, or affiliation by PCIA with respect to such site, its owners, or its providers. PCIA is providing these links only as a convenience to you. PCIA has not tested any information, software, or products found on these sites and, therefore, cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, or products found on the Internet, and PCIA cautions you to make sure that you completely understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet. Your use of third-party websites is at your own risk.

INSURANCE CREDIT SCORE

Most insurance carriers use credit information known as an ‘insurance credit score.’ An ‘insurance credit score’ is calculated using information about your credit history. Some factors used to score credit are public records, payment history, length of credit history, inquiries for credit, number of open lines of credit, types of credit in use, and outstanding debt.
Information collected, such as your name, address, and social security number, may be used by the insurance carriers to obtain your ’insurance credit score.’

In CA and certain other jurisdictions, the use of ‘insurance credit scores’ is limited by law.

DISCLAIMERS

All content is provided “as is” without any express or implied warranty of any kind, including warranties of merchantability, non-infringement of intellectual property, or fitness for any particular purpose. In no event shall PCIA be liable for any special, indirect, exemplary, or consequential damages or any damages whatsoever (including, without limitation, damages for loss of use, data or profits, business interruption, or loss of information) arising out of the use of or inability to use the materials, even if PCIA has been advised of the possibility of such damages without regard to the form of any action, including but not limited to contract, negligence or other tortuous actions, arising out of or in connection with the use, copying or display of the content. Because some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Coverage varies by state and insurance company. Coverage offered by the carrier selected is controlled by the policies issued and is not modified, extended, or revised by the descriptions contained herein. The information contained in this website is for illustrative purposes only and does not create and is not a contract. All policies are subject to policy terms, conditions, exclusions, company underwriting guidelines, and approval. Please read the specific provisions in your policy.

LIMITATION ON LIABILITY

PCIA, its licensors, service providers, content providers, employees, agents, officers, and directors, will not be liable for any incidental, indirect, consequential, or special damages, including loss of revenue or income, pain or suffering, emotional distress or similar damages incurred as a result of the use of this web site. PCIA may revise these terms at any time by updating this posting. Users should visit this page from time to time to review the current terms because they are binding on all users of this website. Certain provisions of these terms may be superseded by expressly designated legal notices or terms located on particular pages on this website.

Please review our Privacy Policy.