Terms of service.

2. Description of services

Golden Era Insurance Agency is a licensed insurance agency in the State of California (License #6016597). Our website provides general information about insurance products and services, allows you to request quotes and file claims, and facilitates communication with our team. The website is not a substitute for professional insurance advice tailored to your specific situation.

3. No binding of coverage

Only a written binder or policy issued by an authorized insurance carrier constitutes evidence of coverage. Do not cancel any existing insurance policy until you have received written confirmation of new coverage from your carrier.

4. Not insurance advice

The content on this website is provided for general informational purposes only and should not be construed as insurance, legal, financial, or professional advice. Insurance needs vary based on individual circumstances, and coverage recommendations require a thorough review of your specific situation. For personalized advice, contact our office directly.

5. Accuracy of information

While we make reasonable efforts to keep the information on our website accurate and current, Golden Era Insurance Agency makes no warranties or representations about the completeness, reliability, or accuracy of any information presented. Insurance products, rates, coverage options, and carrier availability are subject to change without notice. Descriptions of coverage on this website are summaries only and do not modify the terms of any insurance policy.

6. User responsibilities

When using our website and services, you agree to:

• Provide accurate, complete, and truthful information in all forms and communications.
• Notify us promptly of any changes to your information, operations, or risk profile that may affect your coverage.
• Review all policy documents carefully and contact us with any questions before signing or accepting coverage.
• Use the website only for lawful purposes and in compliance with these terms.

7. Quote requests and forms

Quote requests submitted through our website are requests for information only. We will make reasonable efforts to respond to your inquiry, but submitting a form does not obligate us to provide a quote or offer coverage. All quotes are estimates and are subject to verification of the information you provide, carrier underwriting review, and final approval by the issuing carrier.

8. Claims submissions

Filing a claim through our website initiates the claims reporting process but does not guarantee claim approval or payment. All claims are subject to investigation and determination by the applicable insurance carrier in accordance with the terms of your policy. Time-sensitive claims should also be reported directly to your carrier and by calling our office.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, share, and protect your personal information. By using this website, you consent to the practices described in our Privacy Policy.

10. Intellectual property

All content on this website — including text, graphics, logos, images, and software — is the property of Golden Era Insurance Agency or its content suppliers and is protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written permission.

11. Third-party links

Our website may contain links to third-party websites, including carrier portals, government agencies, load boards, and industry resources. These links are provided for your convenience and do not constitute an endorsement by Golden Era Insurance Agency. We are not responsible for the content, accuracy, or privacy practices of any third-party websites.

12. Limitation of liability

To the fullest extent permitted by applicable law, Golden Era Insurance Agency, its owners, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of, or inability to use, this website.
• Any reliance on information provided on this website.
• Any errors, omissions, or inaccuracies in the content.
• Unauthorized access to or alteration of your transmissions or data.
• Any other matter relating to this website or these terms.

13. Disclaimer of warranties

This website is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. Golden Era Insurance Agency disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

14. Indemnification

You agree to indemnify, defend, and hold harmless Golden Era Insurance Agency, its owners, officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorney fees) arising out of or in connection with your use of this website, your violation of these terms, or your submission of inaccurate or misleading information.

15. Governing law and jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles. Any dispute arising out of or relating to these terms or your use of this website shall be resolved exclusively in the state or federal courts located in Alameda County, California.

16. Modifications to these terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Changes become effective immediately upon posting to this page. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

17. Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.