Please read these terms carefully before using our services
These Terms of Service ("Terms") constitute a legally binding agreement between you and Sierra Mountain Insurance Agency ("we," "us," or "our") regarding your use of our website at sierramountaininsurance.com (the "Site") and any related services (collectively, the "Services").
By accessing or using our Site or Services, including submitting our contact form, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Site or Services.
Sierra Mountain Insurance acts as an independent insurance agency that connects consumers with licensed insurance carriers. We provide information and facilitate quotes, but we do not underwrite or issue insurance policies directly.
Any insurance quotes provided through our website, email, or by phone are estimates based on the information you provide. All quotes are subject to verification by the respective insurance carrier.
We reserve the right to modify these Terms at any time, at our sole discretion, without prior notice. We will indicate the date of the latest revision at the top of this page. Your continued use of the Site or Services following any changes constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.
Our Services are intended for use only by citizens and residents of the United States of America who are at least 18 years of age. By using our Services, you represent and warrant that you meet these eligibility requirements.
These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles. Any dispute arising from these Terms or your use of our Services shall be resolved in the state or federal courts located in Sacramento County or El Dorado County, California.
All content, including text, images, graphics, and information (collectively, "Content"), is provided for informational purposes only. The information on this Site does not constitute legal, tax, or financial advice.
By submitting our contact form or providing your contact information via the Site, you consent to receive transactional communications necessary to provide our Services. These communications may include:
If you explicitly opt in to receive marketing communications, you consent to receive promotional calls, text messages, and emails from Sierra Mountain Insurance Agency. You acknowledge that:
You understand and consent that all calls to or from Sierra Mountain Insurance Agency may be monitored or recorded for quality assurance, training, and compliance purposes. By using our Services, you agree to such recording.
SMS Consent: By providing your phone number through our website or quote forms, you explicitly consent to receive SMS messages related to your insurance quotes, policies, or account updates.
We utilize professional email service providers for the delivery of transactional and marketing communications. All email communications comply with applicable laws, including the CAN-SPAM Act and other federal and state regulations.
Unsubscribe Rights: You may unsubscribe from marketing communications at any time by:
We will process unsubscribe requests within 10 business days as required by law.
When you submit information through our contact form, quote request, or any other method (collectively, "Submissions"), you represent and warrant that:
We reserve the right to refuse, remove, or edit any Submission without prior notice. We may use Submissions for our business purposes, including analyzing trends, improving our Services, and providing you with insurance quotes and information.
All Content on the Site, including text, graphics, logos, images, and software, is the property of Sierra Mountain Insurance Agency, or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not copy, modify, distribute, transmit, display, reproduce, publish, license, create derivative works from, transfer, or sell any Content without our prior written consent.
THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
TO THE FULLEST EXTENT PERMITTED BY LAW, SIERRA MOUNTAIN INSURANCE AGENCY AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM USE OF THIS WEBSITE OR OUR SERVICES SHALL NOT EXCEED THE AMOUNT PAID, IF ANY, FOR THE SPECIFIC SERVICES GIVING RISE TO THE CLAIM.
You agree to defend, indemnify, and hold harmless Sierra Mountain Insurance Agency, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services (a "Dispute") shall be resolved through binding arbitration, except that either party may seek injunctive relief in court for matters related to intellectual property rights or confidential information.
You and Sierra Mountain Insurance Agency agree to resolve Disputes through final and binding arbitration, except as specified above. The arbitration shall be conducted in accordance with the American Arbitration Association ("AAA") Consumer Arbitration Rules.
YOU AND SIERRA MOUNTAIN INSURANCE AGENCY AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to our privacy practices as described in the Privacy Policy.
We implement reasonable security measures to protect your personal information, including:
We may use third-party service providers to facilitate our Services, including email delivery, data storage, and analytics. These providers are contractually obligated to protect your information and use it only for the purposes we specify.
Our Site may contain links to third-party websites or services that are not owned or controlled by Sierra Mountain Insurance Agency. We are not responsible for the content, privacy policies, or practices of any third-party websites. You access third-party sites at your own risk.
We reserve the right to suspend or terminate your access to the Site or Services at any time, with or without cause, and with or without notice. Upon termination, your right to use the Services will immediately cease. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to warranty disclaimers, limitations of liability, and dispute resolution provisions.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, 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.
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Sierra Mountain Insurance Agency regarding your use of the Site and Services, and supersede all prior agreements and understandings.
We may assign our rights and obligations under these Terms, including in connection with a merger, acquisition, or sale of assets. You may not assign these Terms without our prior written consent.
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless made in writing and signed by an authorized representative of Sierra Mountain Insurance Agency.
If you have any questions, concerns, or complaints regarding these Terms or our Services, please contact us at either of our locations:
Phone: (916) 618-6142
Email: Yusufinsurance@gmail.com
