Terms & Conditions

1. Website Information

The information provided on this Website is for general informational purposes only. While Valley Club Insurance strives to keep information accurate and current, we make no representations or warranties regarding the completeness, accuracy, or reliability of any information contained on this Website.

2. No Coverage Is Bound

Insurance coverage cannot be bound, altered, modified, or canceled through this Website, email, voicemail, text message, online form submission, or any other electronic communication.

Coverage is not effective unless and until confirmed in writing by an authorized representative of Valley Club Insurance and accepted by the applicable insurance carrier.

Requests for coverage, policy changes, certificates of insurance, or cancellations submitted through this Website are considered requests only and do not guarantee coverage or policy changes.

3. No Professional Advice

Information provided on this Website is not intended to constitute legal, tax, financial, or insurance advice.

4. Quotes and Coverage Availability

Any insurance quote, estimate, indication, or premium displayed or communicated through this Website is subject to underwriting review, carrier approval, verification of information provided, and applicable state regulations.

5. Third-Party Websites

This Website may contain links to third-party websites. Valley Club Insurance is not responsible for the content, security, privacy practices, or accuracy of information on any third-party website.

6. Limitation of Liability

To the fullest extent permitted by law, Valley Club Insurance shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to the use of this Website.

7. Intellectual Property

All content on this Website, including text, graphics, logos, images, forms, and other materials, is the property of Valley Club Insurance unless otherwise noted.

8. Electronic Communications

By submitting information through this Website, you consent to receiving communications from Valley Club Insurance by telephone, email, text message, or other electronic means.

9. Privacy

Your use of this Website is also governed by our Privacy Policy.

10. California Licensing

Valley Club Insurance operates as a licensed insurance agency and conducts business in accordance with applicable state insurance laws and regulations.

11. Changes to These Terms

Valley Club Insurance reserves the right to modify these Terms & Conditions at any time without prior notice.

12. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.