Terms of Use

Please read these Terms of Use ("Terms") carefully before using the website located at https://pozosinsurance.com (the "Site") operated by Pozos Insurance Services LLC ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local laws.
• Transmit any unsolicited or unauthorized advertising or promotional material.
• Attempt to gain unauthorized access to any part of the Site or its related systems.
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site.

2. No Insurance Advice

The information provided on this Site is for general informational purposes only and does not constitute insurance advice. Coverage availability, terms, and pricing vary by individual circumstances and carrier. Contact us directly for a personalized quote and professional guidance.

3. SMS / Text Message Terms & Consent

3.1 Opt-In Consent

By submitting our contact or quote-request form and checking the SMS consent checkbox, you expressly consent to receive recurring automated and non-automated text messages from Pozos Insurance Services LLC at the mobile phone number you provide. These messages may include:

• Quote follow-ups and insurance information.
• Appointment or callback reminders.
• Policy renewal notices and updates.
• Responses to your inquiries.

Consent is not a condition of purchase. You are not required to consent to SMS messages to obtain insurance products or services from us.

3.2 Message Frequency & Rates

Message frequency varies depending on your inquiry and our communications with you. Message and data rates may apply based on your mobile carrier plan. We are not responsible for any charges your carrier may impose.

3.3 How to Opt Out (STOP)

You may opt out of receiving SMS messages from us at any time using any of the following methods:

• Reply STOP — Text STOP to any message you receive from us. You will receive one final confirmation text and no further messages will be sent to that number.
• Email us — Send an opt-out request to [email protected] with your name and phone number.
• Call us — Contact us at (916) 485-9111 and request removal from our SMS list.

After opting out, you may still receive non-marketing transactional messages required to complete a service you requested (e.g., a direct reply to your inquiry), unless prohibited by law.

3.4 Help

For help with SMS communications, reply HELP to any text message or contact us at [email protected] or (916) 485-9111.

3.5 Supported Carriers

Our SMS program is available on most major U.S. carriers. Carrier support may vary. We are not liable for delayed or undelivered messages.

4. Intellectual Property

All content on the Site — including text, graphics, logos, images, and software — is the property of Pozos Insurance Services LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

5. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY CALIFORNIA LAW, POZOS INSURANCE SERVICES LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7. Third-Party Links

The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Sacramento County, California.

9. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site with an updated "Effective Date." Your continued use of the Site after any changes constitutes your acceptance of the new Terms.

10. Contact Us

If you have questions about these Terms, please contact us: