Terms & Conditions

TERMS AND CONDITIONS

These Terms and Conditions (“Terms”) govern your access to and use of services provided by Navarro Insurance Agency, Inc., doing business as Gerardo Navarro Insurance Agency (“Agency,” "GNIA," “we,” “us,” or “our”).

By accessing our website, submitting information, requesting a quote, scheduling an appointment, or otherwise engaging with our services, you agree to these Terms.

1. Scope of Services

The Agency is a licensed insurance agency providing property, casualty, life, health, and related insurance services.

All insurance policies are:

- Subject to underwriting approval by the issuing insurance carrier

- Governed exclusively by the carrier’s policy documents

- Not effective unless and until confirmed or bound by an authorized insurer or representative in accordance with applicable requirements.

Depending on the transaction, the Agency may act in an agency or brokerage capacity, subject to applicable licensing, appointments, carrier relationships, and law.

2. No Guarantee of Coverage

Quotes are estimates based on information available at the time provided and are subject to underwriting, eligibility, carrier requirements, policy terms, and change. A quote does not bind or confirm insurance coverage.

We do not guarantee:

- Approval of any application

- Specific rates or underwriting outcomes

- Payment of claims

Coverage determinations and claim decisions are made solely by the issuing insurance carrier.

3. Client Responsibilities

You agree to:

- Provide accurate and complete information

- Promptly notify us of material changes

- Review policy documents carefully

- Maintain timely premium payments

Inaccurate, incomplete, or outdated information may affect eligibility, underwriting, premiums, coverage, or claim determinations, subject to applicable policy terms and law.

4. Electronic Communications & SMS Terms

Consent to Communications

By providing your contact information, you authorize us to respond to your inquiry and communicate with you as permitted by applicable law. Where required, SMS/MMS communications are sent only after the applicable consent is obtained through an affirmative opt-in process.

Consent to receive SMS communications is not a condition of purchase.

Types of SMS Messages

SMS communications may include:

- Appointment reminders

- Policy updates

- Service notifications

- Consultation confirmations

- Renewal alerts

- Insurance-related information and communications requested or consented to by you

Message frequency varies.

Message & Data Rates

Message and data rates may apply depending on your mobile carrier plan.

Opt-Out

You may opt out of SMS communications by replying STOP or may revoke consent through other reasonable means.

For assistance, reply HELP or contact us at:

- 714-960-3595

- [email protected]

No Emergency Communications

SMS messaging is not intended for emergency communication.

Do not rely on SMS, email, voicemail, website forms, or online submissions for urgent coverage changes, cancellations, binding requests, or time-sensitive claim matters. Please contact our office directly and obtain confirmation from an authorized representative.

5. Limitation of Liability

To the fullest extent permitted by applicable law, the Agency is not responsible for indirect, incidental, consequential, special, or punitive damages arising from use of this website or circumstances outside the Agency's control. Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited.

Insurance carrier underwriting decisions, coverage determinations, claim decisions, and policy terms are controlled by the applicable carrier and policy documents. The Agency is not responsible for consequences resulting from inaccurate or incomplete information provided by a client or for a client's failure to make required premium payments when due.

6. Intellectual Property

All content on our website, including branding, logos, text, educational materials, templates, and communications, is the property of Navarro Insurance Agency, Inc.

Unauthorized reproduction or distribution is prohibited.

7. Third-Party Carriers & Links

We work with insurance carriers and other insurance-market participants. Coverage terms are determined by those carriers.

We may provide links to third-party websites for convenience. We are not responsible for the content, security, or privacy practices of external websites.

8. Privacy

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

9. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where otherwise required by applicable law.

10. Modifications to These Terms

We reserve the right to update these Terms at any time.

Revisions will be posted with an updated effective date. Your continued use of the website after changes are posted will be subject to the then-current Terms, as permitted by applicable law.

11. Contact Information

Navarro Insurance Agency, Inc.

dba Gerardo Navarro Insurance Agency

3601 W MacArthur Blvd, Suite 907,

Santa Ana, CA 92704

Phone: 714-960-3595

Email: [email protected]