Terms & Conditions

Last Updated: October 12, 2026 Danny Vasquez Insurance Agency ("Company," "we," "us," or "our") operates an insurance agency located at: 10184 6th Street, Suite C, Rancho Cucamonga, CA 91730, United States. We operate the website https://dvasquezinsurance.com/ (the "Site"), as well as any other related products and services that refer or link to these Terms and Conditions (collectively, the "Services"). You can contact us by phone at (909) 317-1325, by email at Service@dvasquezinsurance.com, or by mail at the address listed above. These Terms and Conditions constitute a legally binding agreement between you, whether personally or on behalf of an entity ("you"), and Danny Vasquez Insurance Agency concerning your access to and use of the Services. By accessing or using our website, you acknowledge that you have read, understood, and agree to these Terms and Conditions. If you do not agree with these Terms and Conditions, you must discontinue use of the website immediately. Additional terms, notices, and policies may be posted on our website from time to time and incorporated into these Terms and Conditions by reference. We reserve the right to modify these Terms and Conditions at any time. Updates will be reflected by changing the "Last Updated" date above. Your continued use of the website after revised terms are posted constitutes acceptance of those changes, subject to applicable law. The Services are intended for individuals who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services. We recommend that you save or print a copy of these Terms and Conditions for your records. TABLE OF CONTENTS 1. Our Services 2. Insurance Information and Quote Requests 3. Intellectual Property Rights 4. User Representations 5. Prohibited Activities 6. User Submissions and Contributions 7. Third-Party Websites and Content 8. Services Management 9. Privacy Policy 10. Term and Termination 11. Modifications and Interruptions 12. Governing Law 13. Dispute Resolution 14. Corrections 15. Disclaimer 16. Limitations of Liability 17. Indemnification 18. User Data 19. Electronic Communications, Transactions, and Signatures 20. SMS Text Messaging 21. California Users and Residents 22. Miscellaneous 23. Contact Us

Danny Vasquez Insurance Agency provides insurance-related information and services through its website, including information about available insurance products, coverage options, and opportunities to request insurance quotes or contact our agency. The information provided through our website is intended for general informational purposes only. Information about insurance products, coverage, eligibility, pricing, and availability may vary depending on the insurance carrier, underwriting guidelines, applicable laws, and individual circumstances. We do not guarantee that every insurance product or coverage option described on the website will be available to every individual or business. The Services are intended primarily for individuals and businesses seeking insurance information and assistance within the United States, particularly in California. You are responsible for ensuring that your use of the website complies with all applicable laws and regulations.

Our website may allow visitors to submit information or request insurance quotes for various types of insurance coverage. By submitting a quote request or other information through our website, you acknowledge and agree that: • Submitting a quote request does not guarantee that insurance coverage will be offered or approved. • A quote request does not constitute an insurance application, binder, policy, or agreement to provide coverage. • Insurance premiums, eligibility, and coverage options are subject to the insurance carrier's underwriting guidelines and approval. • Any quoted premium or coverage information is preliminary and may change based on additional information, underwriting review, or carrier requirements. • Insurance coverage becomes effective only when properly approved and confirmed by the applicable insurance carrier or authorized representative in accordance with the applicable policy or binder. • You are responsible for providing accurate, complete, and current information when requesting a quote or communicating with our agency. Nothing on this website should be interpreted as a guarantee of coverage, a promise to issue an insurance policy, or a replacement for the actual terms, conditions, exclusions, and limitations contained in an issued insurance policy. In the event of any conflict between information displayed on the website and the actual insurance policy documents, the applicable insurance policy documents will control.

We own or have the necessary rights and licenses to use the intellectual property displayed on our website, including text, graphics, photographs, logos, designs, and other website content (collectively, the "Content"). Our Content is protected by applicable copyright, trademark, and other intellectual property laws. All Content is provided for personal, non-commercial use or for the purpose of learning about our insurance services. Subject to your compliance with these Terms and Conditions, we grant you a limited, non-exclusive, non-transferable, and revocable right to access and use our website for personal or business informational purposes, and to view and print website content for your own personal reference. You may not copy, reproduce, distribute, modify, publish, sell, or commercially exploit any website content without our prior written permission. Any unauthorized use of our intellectual property may result in termination of your permission to access the website and may subject you to applicable legal remedies. Any questions, comments, suggestions, or feedback you voluntarily provide to us may be used to respond to your inquiry or improve our Services. We do not claim ownership of personal information or confidential information you submit through our website. The handling of such information is governed by our Privacy Policy and applicable law.

By accessing or using our website, you represent and agree that: 1. You have the legal capacity to agree to these Terms and Conditions. 2. Any information you provide to us is accurate, complete, and current to the best of your knowledge. 3. You will update information when necessary to ensure it remains accurate. 4. You will not use our website for any unlawful or unauthorized purpose. 5. Your use of our Services will not violate any applicable law or regulation. 6. You will not attempt to gain unauthorized access to our systems or website. If you provide information that is false, misleading, inaccurate, or incomplete, we reserve the right to refuse or discontinue assistance or access to our Services, subject to applicable law.

You may use our website only for lawful purposes and in accordance with these Terms and Conditions. You agree not to: • Use our website for any unlawful, fraudulent, or unauthorized purpose. • Submit false, misleading, or fraudulent insurance information. • Impersonate another individual, business, or organization. • Attempt to obtain another person's confidential or personal information. • Interfere with the security, operation, or functionality of our website. • Introduce viruses, malware, or other harmful code. • Use automated systems, bots, scripts, or scraping tools to collect information from our website without authorization. • Copy, reproduce, or distribute website content without permission. • Attempt to bypass website security features or access restricted areas. • Use our website to transmit unsolicited advertising, spam, or harmful communications. • Harass, threaten, or harm other users or individuals.

When you submit information, questions, or other content through our website (such as quote requests, contact forms, or feedback), you represent that you have the right to submit such information and that it is accurate and not misleading. We do not claim ownership of personal information you submit. However, by submitting content or feedback, you grant us a non-exclusive, royalty-free right to use, reproduce, and incorporate such feedback into our Services for the purpose of improving our offerings. We reserve the right to remove or refuse any submission that we determine, in our sole discretion, violates these Terms and Conditions or applicable law.

Our website may contain links to third-party websites, including insurance carrier websites, industry resources, or other external content. These links are provided for your convenience and informational purposes only. We do not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any third-party websites. Accessing third-party websites is at your own risk, and you should review the applicable terms and privacy policies of those websites. We are not responsible for any products, services, or information obtained from third-party websites.

We reserve the right, in our sole discretion, to: • Monitor our website for violations of these Terms and Conditions. • Take appropriate legal action against anyone who violates applicable law or these Terms and Conditions. • Restrict, suspend, or terminate access to our website for any user who violates these Terms and Conditions. • Remove or disable content that is excessive, burdensome, or otherwise objectionable. • Manage our website in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

We care about data privacy and security. By using our website, you agree to our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Our Privacy Policy describes how we collect, use, and protect information you provide to us. Please be aware that our website is hosted in the United States. If you access our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States.

These Terms and Conditions remain in full force and effect while you use our website. We reserve the right to deny access to or use of our website to any person for any reason or no reason, at our sole discretion, without notice or liability. If we terminate or suspend your access for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your access, we reserve the right to take appropriate legal action, including pursuing civil, criminal, and injunctive redress.

We reserve the right to change, modify, or remove the contents of our website at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Services without notice at any time. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the website or Services. We cannot guarantee that our website will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the website, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the website at any time without notice to you.

These Terms and Conditions and your use of our website are governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be entirely performed within the State of California, without regard to its conflict of law or choice of law provisions.

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms and Conditions (each a "Dispute" and collectively, the "Disputes"), the parties agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one party to the other. If the parties are unable to resolve a Dispute through informal negotiation, the Dispute shall be finally and exclusively resolved by binding arbitration. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA"). The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing. The parties agree that any arbitration shall be limited to the Dispute between the parties individually. To the full extent permitted by law, no arbitration shall be joined with any other proceeding; there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. The parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief.

There may be information on our website that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on our website at any time, without prior notice.

THE WEBSITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE WEBSITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE WEBSITE'S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE WEBSITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE WEBSITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE WEBSITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE.

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE WEBSITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING OR $100.00 USD. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) your use of the website; (2) breach of these Terms and Conditions; (3) any breach of your representations and warranties set forth in these Terms and Conditions; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the website with whom you connected via the website. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

We will maintain certain data that you transmit to the website for the purpose of managing the performance of the website, as well as data relating to your use of the website. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the website. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

Visiting the website, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the website, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE WEBSITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

By providing your mobile phone number and opting in to receive text messages from Danny Vasquez Insurance Agency, you agree to receive informational text messages, such as customer care notifications, appointment reminders, service updates, and responses to inquiries. Message frequency may vary. Message and data rates may apply. For assistance, reply HELP or contact us at Service@dvasquezinsurance.com or (909) 317-1325. You may opt out of receiving text messages at any time by replying STOP. After opting out, you will no longer receive text messages unless you choose to opt in again. Consent to receive text messages is not a condition of purchasing insurance or receiving services from our agency. We may use third-party messaging providers to facilitate text message communications. Your mobile number, SMS opt-in information, and consent records will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes. This information may be shared with service providers and messaging partners as necessary to deliver and manage our messaging services. Message delivery is subject to your mobile carrier's network availability. Danny Vasquez Insurance Agency is not responsible for delayed or undelivered messages.

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254. As a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and other California laws. Please refer to our Privacy Policy for more information about your California privacy rights.

These Terms and Conditions and any policies or operating rules posted by us on the website or in respect to the website constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not operate as a waiver of such right or provision. These Terms and Conditions operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms and Conditions is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and Conditions and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms and Conditions or use of the website. You agree that these Terms and Conditions will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms and Conditions and the lack of signing by the parties hereto to execute these Terms and Conditions.

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at: Danny Vasquez Insurance Agency 10184 6th Street, Suite C Rancho Cucamonga, CA 91730 United States Phone: (909) 317-1325 Email: Service@dvasquezinsurance.com Website: https://dvasquezinsurance.com/