Terms of Service

1. Services Provided

Valley West Insurance is an independent insurance agency providing insurance brokerage services. We offer:

• Insurance quotes and policy comparisons
• Policy placement and management services
• Claims assistance and support
• Risk assessment and coverage recommendations
• Ongoing policy reviews and updates

2. Use of Website

By using our website, you agree to:

• Provide accurate and truthful information
• Use the website only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not transmit viruses or malicious code
• Respect the intellectual property rights of Valley West Insurance

3. Insurance Policies and Coverage

Valley West Insurance acts as an intermediary between clients and insurance carriers. We do not underwrite insurance policies. All coverage is subject to the terms, conditions, and exclusions of the insurance policy issued by the carrier. We make reasonable efforts to provide accurate quotes and information, but final coverage terms are determined by the issuing insurance company.

4. Quote Accuracy

Insurance quotes provided are estimates based on the information you provide. Final premium rates may vary based on underwriting review, additional information, and carrier approval. Quotes are not binding until a policy is issued by the insurance carrier.

5. Payment Terms

Payment terms for insurance premiums are established by the insurance carrier. You are responsible for:

• Making timely premium payments as specified in your policy
• Maintaining current payment information
• Notifying us of any billing issues or changes
• Understanding that non-payment may result in policy cancellation

6. Cancellation and Refunds

Policy cancellations are governed by the terms of your insurance policy and state regulations. Refunds, if applicable, are processed by the insurance carrier according to their cancellation policy. Valley West Insurance will assist you with the cancellation process, but we do not control refund timing or amounts.

7. Limitation of Liability

Valley West Insurance provides professional insurance services but cannot be held liable for:

• Insurance carrier decisions regarding claims or coverage
• Delays in processing caused by third parties
• Losses not covered by your insurance policy
• Information provided by you that is inaccurate or incomplete
• Actions or inactions of insurance carriers

8. Professional Responsibilities

As licensed insurance professionals, we are committed to:

• Acting in your best interests when recommending coverage
• Providing accurate information to the best of our knowledge
• Maintaining appropriate professional licensing and credentials
• Following all applicable insurance regulations and laws
• Protecting your confidential information

9. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Valley West Insurance or its content suppliers and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without express written permission.

10. Governing Law

These Terms of Service are governed by the laws of the State of Nevada. Any disputes arising from these terms shall be resolved in the courts of Nevada.

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

12. Contact Information

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