Terms of Service for Bienvenido Insurance Services LLC
These Terms of Service ("Terms") govern the access and use of insurance products and services provided by Bienvenido Insurance Services LLC, a company registered in the State of Texas, located at 251 S WW White Rd, San Antonio, TX 78219, telephone: 210-333-0707, email: email@example.com ("Company", "we", "us", or "our"). By accessing or using our website, purchasing insurance products, or utilizing any of our services, you ("Customer", "you", or "your") agree to be bound by these Terms and our Refund Policy, which is incorporated by reference into these Terms.
2.1. We offer various insurance products and services, including but not limited to auto, home, renters, and commercial insurance. The specific terms and conditions of each insurance product will be outlined in the applicable policy documents.
2.2. We act as an intermediary between you and the insurance carriers we represent. We do not underwrite insurance policies or assume any insurance risk.
2.3. It is your responsibility to review and understand the terms and conditions of the insurance policies you purchase, including coverage limits, exclusions, and any applicable deductibles.
3.1. You agree to provide accurate, complete, and up-to-date information when requesting a quote, purchasing an insurance policy, or submitting a claim.
3.2. You must notify us promptly of any changes in your contact information, policy requirements, or any other information relevant to your insurance policies.
3.3. You are responsible for paying premiums and any other fees or charges associated with your insurance policies in a timely manner.
4.1. Our Refund Policy governs the terms and conditions related to refunds for insurance products and services. By purchasing any insurance product or service from the Company, you agree to be bound by our Refund Policy.
4.2. If you cancel your policy within the "Free Look" period, which is typically 14 days from the policy inception date or as required by applicable law, you will receive a full refund of the premium paid, provided no claims have been made.
4.3. If you cancel your insurance policy after the "Free Look" period but before the policy expiration date, you may be eligible for a pro-rata refund, depending on the terms and conditions of your specific insurance policy.
4.4. The pro-rata refund will be calculated based on the unexpired portion of the insurance policy at the time of cancellation. Any applicable fees, taxes, or charges may be deducted from the refund amount.
4.5. No refunds will be issued for policies that have been subject to a claim or for policies that have been terminated due to non-payment of premiums or any other breach of the Terms of Service.
Modifications and Termination
5.1. We reserve the right to modify or discontinue any insurance product or service at any time, with or without prior notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of our services.
5.2. We may terminate your access to our services or cancel your insurance policies if you breach these Terms, fail to pay premiums, or for any other reason permitted under the terms of your insurance policies.
Limitation of Liability
6.1. To the maximum extent permitted by law, we will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of your access to or use of our services or insurance