Terms of Use

I) Who does these Terms Apply to:

  1. Anyone who uses or interacts with This Agency’s website and other assets; or

  2. Anyone who uses This Agency’s forms on this website and forms hosted by our service providers; or

  3. Anyone who communicates with This Agency and its representatives; or

  4. Anyone whom This Agency provides insurance services to.

II) Definitions and Interpretations

  1. “This Agency” refers to Ralph Cortez Insurance Agency.

  2. “You” or “Your” refers to the insurance consumer, policyowner, insured, beneficiary, and anyone else who This Notice applies to.

  3. “Us” and “Our” refers to both “This Agency” and “You”.

  4. “This Agency and its assets” refers to “This Agency” , our website, the forms This Agency provides, and the communications between you and this Agency.

III)Eligibility to use This Agency and its assets

By interacting with This Agency and its assets, you represent and warrant that you:

  • Are at least 18 years of age or the age of legal majority in your jurisdiction

  • Have the legal capacity to enter into binding contracts

  • Are authorized to provide the information submitted

  • Will provide accurate and complete information

This Agency does not intend:

  1. to interact with individuals under the age of 18.

  2. to produce content that will be interacted with individuals under the age of 18.

  3. to knowingly collect personal information from children.

When This Agency discovers personal information from a child has been collected without verified parental consent, This Agency will take steps to delete that information. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

IV) Purpose of This Agency and its assets

This Agency seeks to collect information from you to provide you with:

  • quotes or estimates; or

  • information about products or services; or

  • to facilitate communication regarding your inquiry.

On this website, This Agency has a form to collect information from you in order to contact you.

Throughout This Agency’s other communications and forms, This Agency collect information from you to assist you in your whole journey of purchasing life insurance and possession of life insurance.

V) Prohibited Uses of This Agency and its Assets

You may not use This Agency and its assets:

  • to engage in any illegal activity.

  • to engage in conduct which is defamatory, libelous

  • to engage in conduct that is threatening or harassing.

  • to infringes on a third party's intellectual property or other proprietary rights.

As the law permits, This Agency reserves the right to disclose any information you provide to us in any form to law enforcement authorities:

  • In the event you engage in activity that is illegal; or

  • In the event you engage in activity that is defamatory or libelous; or

  • In the event you engage in activity that is threatening or harassing;

  • as deemed appropriate in the sole discretion of This Agency,

VI)Your Consent to Contact

By communicating a request to This Agency via any form or other possible method of communication, you expressly consent to be contacted by This agency, its agents, or third-party partners regarding:

  • Your submission and any requested information

  • Products, services, or offers related to your inquiry

  • Follow-up communications regarding your submission

Using the contact information you provide, you consent to be contacted via the following methods:

  • Email communications

  • Telephone calls (including automated calls and prerecorded messages)

  • Text messages (SMS/MMS)

  • Mail to your physical address

At any time, You may opt out of marketing communications:

  • Clicking the "unsubscribe" link in any email

  • Replying "STOP" to any text message

  • Contacting us directly to update your preferences

Opting out of marketing communications will not affect transactional or service-related communications.

VII) TCPA Compliance

By providing This Agency your telephone number, you provide your prior express written consent under the Telephone Consumer Protection Act to receive calls and text messages (including autodials and pre-recordings) from This Agency regarding your inquiry, even if your telephone number is listed on any Do Not Call registry.

You understand that:

  • Consent is not a condition of purchase

  • Message and data rates may apply

  • At any time, you can revoke consent

  • Message frequency may vary

VIII)Privacy Policy

The information collected will be used in accordance with our Notice of Privacy Policy.

IX)Security and Passwords

The use of or access to some restricted areas, includes cloud storage folders and form fields:

  • will require authorization. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution.

  • without authorization may be viewed, monitored and recorded. Any information collected may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system.

If you are not an authorized user of such areas or do not consent to continuous monitoring, you should not attempt to access such restricted areas.

If you are an authorized user of any restricted area, you are responsible to maintain the security and confidentiality of your password. Do Not Share your Password with Anyone! If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact This Agency.

Ralph Cortez Insurance Agency will not be responsible if you fail to properly secure your password or if you share your password with anyone else. In order to protect your personal information, This Agency encourages you to change your password every year or as often as needed.

X) Services and Quotes are not Guaranteed

Form submissions, voicemail requests, email requests, texted requests, verbal requests and mailed requests does not guarantee:

  • Approval for any product, service, or coverage; or

  • Specific pricing, rates, or terms; or

  • Availability of products or services in your area; or

  • A response within a specific timeframe; or

  • The creation of any contractual relationship.

Any quotes, estimates, or information provided in response to your submission or your request are for informational purposes only and are not binding offers unless explicitly stated otherwise in writing.

XI)Your obligation to provide accurate and complete information

You agree to provide accurate, current, and complete information to This Agency. Providing false, misleading, or fraudulent information is strictly prohibited and may result in:

  • Rejection of your submission or application; or

  • Any providing of services or quotes to be terminated; or

  • Appropriate legal action; or

  • Cases of fraud to be reported to relevant authorities.

This Agency reserves the right to verify the information you provide and to request extra documentation or information

XII)Links to/From Other Sites

This Agency may provide links to other Internet sites that are not maintained by this Agency. You should not interpret any link to/from other sites as an indication from This Agency of its sponsorship , its endorsement, or its affiliation:

  1. of the sites; or

  2. their materials.

About the content, products, or services on these external sites This Agency links to/from or any site related to these external sites, This Agency:

  1. is not responsible for anything contained.

  2. makes no warranties or representations about the contents, products or services offered.

XIII)Warranties Disclaimer

All information is provided provided “as is” without any warranties of any kind, expressed or implied.:

Through this website; or

any forms this agency provides; or

communications between you and this agency.

To the fullest extent permitted by applicable law, Ralph Cortez Insurance Agency disclaims all warranties, including but not limited to:

  • Implied warranties of merchantability and fitness for a particular purpose

  • Warranties of accuracy, completeness, or reliability of any information

  • Warranties that our website, forms, emails, and other forms of online communication will be uninterrupted, secure, or error-free

  • Warranties regarding the results obtained

Under no circumstances will This Agency be liable for damages whatsoever for any risk arising out of use or performance of the following:

  • its information; or

  • its services; or

  • its materials; or

  • its software; or

  • its other items.

The risk for use or performance of any of the following listed above remain entirely on you.

XIV)Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of California, United States, without regard to its conflict of law provisions.

You agree to submit to the exclusive jurisdiction of the state and federal courts located in Riverside County, CA for the resolution of any disputes arising from these Terms or your use of This Agency and its assets.

XV) Indemnification

You agree to indemnify, defend, and hold harmless This Agency and its partners from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

  • Your use of:

    • this website; or

    • forms provided by This Agency or its partners; or

    • communications between you or this Agency.

  • Your violation of these Terms; or

  • Your violation of any rights of a third party; or

  • Any information you submit through:

    • this website; or

    • forms provided by This Agency or its partners; or

    • communications between you or this Agency.

XVI) Dispute Resolution

You agree to resolve disputes with us on an individual basis and waive your right to participate in a class action, class-wide arbitration, or any other representative proceeding.

Before Initiating any formal dispute resolution process, you agree to first contact us to attempt to resolve any dispute informally. Most concerns can quickly be resolved in a satisfactory manner through direct communication.

Any dispute arising from or relating to these Terms or your use of the Form that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Palm Desert, California, and judgment on the award may be entered in any court of competent jurisdiction.

XVII) Changes to Terms

This Agency reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to this website. This Agency will update the "Last Updated" date at the bottom of these Terms. Your continued use of This Agency and its assets after any modifications constitutes acceptance of the revised Terms.

XVIII) Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions. The unenforceable provision shall be replaced with a valid provision that comes closest to the intent of the original provision.

XIX) Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the website, constitute the entire agreement between you and us regarding your use of This Agency and its assets and supersede any prior agreements, communications, or understandings.

XX) Other Agreements

These Terms of Use apply to your use of This Agency and its assets. These Terms of Use does not change or alter any other contract or agreement between you and This Agency.

XXI) Third-Party Services

This Agency may utilize third-party services. This Agency is not responsible for the privacy practices or content of third-party services. Your use of such services is subject to their respective terms of use and privacy policies.

XXII)Intellectual Property

All content, design, graphics, and other materials on this website are owned by or licensed to us and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

EFFECTIVE DATE

This Privacy Notice is effective January 1, 2026.

Last updated 06/01/2026