Terms of Service

Use of Site

You may use this site for personal, non-commercial purposes including reviewing educational content, requesting consultations, and downloading resources we make available.

You agree not to: misuse the site, attempt to gain unauthorized access, transmit malware or harmful code, scrape content for commercial use, or use the site in any way that violates applicable law.

Educational Content Only

Information on this site is for educational and informational purposes only. It does not constitute financial, tax, legal, insurance, or investment advice. No content on this site is a specific recommendation to buy, sell, or hold any product.

Insurance products are subject to underwriting, may not be available in all states, and may involve risks including loss of value, policy lapse, or surrender charges. Past performance does not guarantee future results.

Consult licensed professionals for advice specific to your situation before making any financial or insurance decision.

Intellectual Property

All content on this site (text, images, logos, video, layout, and design) is owned by CVAF Insurance Agency or used with permission. You may view and print content for personal use. You may not reproduce, distribute, or create derivative works without prior written permission.

User Submissions

Information you submit through forms (consultation requests, contact messages, comments) is treated as non-confidential, except where required by law or our Privacy Policy. We may use submitted information to respond to your inquiry, improve our services, and fulfill regulatory obligations.

SMS / Text Message Communications

By opting in to receive text messages from CVAF Insurance Agency via our text-alerts opt-in form, you agree that automated SMS messages may be sent to the mobile number you provided. Message and data rates from your mobile carrier may apply. Message frequency varies based on your account activity, typically 2 to 5 messages per month.

You may opt out of SMS communications at any time by replying STOP to any message. Reply HELP for help. Consent to receive SMS messages is not a condition of purchasing any product or service from CVAF Insurance Agency.

Detailed handling of mobile data, opt-in records, and third-party processors is described in our Privacy Policy. Mobile information is not sold, rented, or shared with third parties or affiliates for promotional purposes.

Disclaimers

This site is provided on an "as is" and "as available" basis. We do not warrant that the site will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

We make no warranty regarding the accuracy, completeness, or timeliness of any information on the site. Insurance illustrations, projections, and examples are hypothetical and individual results vary.

Limitation of Liability

To the fullest extent permitted by law, CVAF Insurance Agency and its agents, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this site or any decision made based on information you obtained here.

Our total liability for any claim arising out of or relating to this site is limited to the amount, if any, you paid us for the specific service giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless CVAF Insurance Agency from any claim, loss, or demand (including reasonable attorneys' fees) arising from your misuse of the site or violation of these terms.

Governing Law

These terms are governed by the laws of the State of CA, without regard to conflict-of-law principles. Insurance products are regulated by the state in which they are issued.

Dispute Resolution

Any dispute arising from these terms or your use of this site will be resolved through binding individual arbitration under the rules of the American Arbitration Association, conducted in the State of CA. You waive the right to participate in class actions or class arbitrations.

This arbitration agreement does not apply to claims that may be brought in small claims court.

Changes to These Terms

We may update these Terms of Service from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the site after changes constitutes acceptance of the updated terms.

Contact Us

Questions about these terms can be directed to [email protected].