1. Acceptance of These Terms

These Terms and Conditions of Use ("Terms") are a binding agreement between you and Amaro Insurance ("Amaro Insurance," "we," "us," or "our"), a California-based insurance business with its principal address at 9235 Fife Ranch Way, Elk Grove, CA 95624. These Terms govern your access to and use of the website located at amaroinsurance.com, including all pages, content, tools, forms, quote requests, and services made available through it (collectively, the "Site").

By accessing, browsing, or using the Site in any manner — including simply visiting or viewing any page — you acknowledge that you have read, understood, and agree to be bound by these Terms, including the binding arbitration agreement in Section 12. If you do not agree to these Terms, your sole remedy is to discontinue use of the Site immediately.

We may revise these Terms at any time by posting an updated version on this page with a new effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

2. Informational Purpose; No Insurance Advice

The Site is provided for general informational purposes only. Content on the Site — including descriptions of insurance products, coverage types, articles, FAQs, calculators, and estimates — is general in nature, is not tailored to your individual circumstances, and does not constitute insurance, legal, tax, or financial advice. You should not rely on Site content as a substitute for advice from a licensed insurance professional regarding your specific situation. Coverage descriptions on the Site are summaries only and are qualified in their entirety by the terms, conditions, exclusions, and limitations of the actual insurance policy documents.

3. No Offer of Coverage; No Coverage Bound Through the Site

Nothing on the Site constitutes an offer to sell, a solicitation to buy, or a binder of insurance coverage in any jurisdiction where such offer or solicitation would be unlawful or where we or our affiliated producers are not appropriately licensed. Specifically:

• Quotes are estimates only. Any premium quote, rate estimate, or price indication provided through the Site is preliminary, non-binding, and subject to underwriting review, verification of the information you provide, and approval by the applicable insurance carrier. Final premiums and terms may differ from any quote shown on the Site.
• No coverage is bound online. Submitting a form, requesting a quote, uploading information, or otherwise communicating through the Site does not create, bind, alter, extend, or renew any insurance coverage. Coverage exists only when confirmed in writing by the insurer through issuance of a policy or a written binder signed or issued by an authorized representative.
• Do not report claims through the Site. Claims must be reported through the claim-reporting procedures specified in your policy or by contacting us directly. Information submitted through general Site forms is not a claim notice and does not satisfy any policy notice requirement.
• Availability varies. Products and services described on the Site may not be available in all states or to all applicants, and are offered only where permitted by applicable licensing and law.

4. Relationship to Insurance Policies

These Terms govern your use of the Site only. They do not modify, supplement, or replace the terms of any insurance policy, binder, application, or other insurance contract between you and any insurance carrier. If there is any conflict between these Terms and the terms of an insurance policy or other signed insurance document, the policy or signed document controls as to the insurance relationship. The arbitration agreement in Section 12 applies to disputes arising out of or relating to the Site and these Terms; it does not apply to disputes arising under an insurance policy, which are governed by the terms of that policy and applicable insurance law.

5. Accuracy of Information You Provide

When you submit information through the Site — such as quote requests, contact forms, or applications — you represent and warrant that all information you provide is true, accurate, current, and complete, and that you are authorized to provide it. Providing false or misleading information in connection with an application for insurance may constitute insurance fraud under California law and may result in denial of coverage, rescission of a policy, or referral to authorities. You are responsible for maintaining the confidentiality of any credentials used to access any account or portal feature of the Site, and for all activity occurring under them.

6. Permitted Use of the Site

You may use the Site only for lawful, personal purposes related to learning about, requesting, or managing insurance products and services. You agree that you will not:

• Use the Site in any way that violates any applicable federal, state, or local law or regulation, including insurance and privacy laws;
• Scrape, harvest, crawl, data-mine, or use automated means (including bots or spiders) to access, copy, or collect content or data from the Site without our prior written consent;
• Copy, reproduce, republish, or redistribute Site content for any commercial purpose;
• Attempt to gain unauthorized access to the Site, its servers, any account or portal, or any connected systems or networks;
• Introduce viruses, malware, or any other harmful code, or interfere with the Site's operation or security;
• Impersonate any person or entity, submit information on behalf of another person without authority, or submit false or misleading information through any form;
• Frame or mirror any part of the Site without our prior written consent.

We reserve the right to restrict, suspend, or terminate your access to the Site at any time, without notice, for any conduct that we believe violates these Terms or is otherwise harmful to us or other users.

7. Communications and Consent to Contact

By providing a phone number or email address through the Site, you consent to being contacted by Amaro Insurance regarding your inquiry, quote request, or account by phone, email, or text message, as permitted by applicable law, including calls or texts placed using automated technology where you have provided consent. Consent to marketing communications is not a condition of purchasing any insurance product. Standard message and data rates may apply. You may opt out of marketing communications at any time by following the instructions in the communication or by emailing admin@amaroinsurance.com.

Any suggestions, feedback, or ideas you voluntarily submit to us regarding the Site or our business become our property, and we may use them without restriction or compensation to you.

8. Intellectual Property

The Site and all of its content — including text, graphics, logos, trade names, page designs, tools, and software — are owned by or licensed to Amaro Insurance and are protected by copyright, trademark, and other intellectual property laws. "Amaro Insurance" and associated logos are trade names and marks of Amaro Insurance. Except for viewing and printing pages for your personal, non-commercial use, no content from the Site may be copied, reproduced, distributed, or used without our prior written permission.

9. Third-Party Links, Carriers, and Services

The Site may contain links to third-party websites or services, including insurance carriers, rating services, payment processors, or social media platforms. These are provided for convenience only. We do not control and are not responsible for the content, accuracy, policies, or practices of any third-party site or service, and a link does not imply endorsement. Insurance products described on the Site may be underwritten by third-party carriers, each of which is solely responsible for its own products and obligations. Your use of third-party sites and services is at your own risk and subject to their terms and privacy policies.

10. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and share information, including personal and insurance-related information. By using the Site, you consent to those practices. California residents may have rights under the California Consumer Privacy Act and California insurance privacy laws; please contact us at admin@amaroinsurance.com with any privacy questions or requests.

11. Disclaimer of Warranties; Limitation of Liability

The Site and all content, information, tools, and services made available through it are provided "as is" and "as available," without warranties of any kind, either express or implied. To the fullest extent permitted by law, Amaro Insurance disclaims all warranties with respect to the Site, including implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, error-free, or free of viruses or other harmful components, or that any information on the Site is accurate, complete, or current.

To the fullest extent permitted by applicable law, Amaro Insurance and its owners, officers, employees, producers, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including lost profits, lost data, or loss of goodwill — arising out of or relating to your access to or use of, or inability to access or use, the Site or any content on it, whether based in contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages. To the fullest extent permitted by law, our total aggregate liability for all claims arising out of or relating to the Site or these Terms shall not exceed one hundred U.S. dollars ($100).

This Section applies to the Site and these Terms only, and does not limit any obligation of an insurer under an issued insurance policy or any liability that cannot be limited under applicable law. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

12. Binding Arbitration Agreement, Class Action Waiver, and Jury Trial Waiver

(a) Agreement to Arbitrate All Site-Related Disputes. You and Amaro Insurance agree that any and all disputes, claims, or controversies of any kind arising out of or relating in any way to these Terms or to your access to, use of, browsing of, or interaction with the Site — including, without limitation, claims arising from your visit to the Site, the content or accuracy of Site information, quote tools and estimates, forms and communications submitted through the Site, the collection or use of information through the Site, and the formation, interpretation, breach, enforcement, or validity of these Terms — shall be resolved exclusively through final and binding arbitration on an individual basis, and not in any court, except as expressly provided in subsection (g) below. This agreement to arbitrate is intended to be interpreted as broadly as the law allows and is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.). This agreement to arbitrate does not apply to disputes arising under an insurance policy, which are governed by the terms of that policy and applicable insurance law.

(b) No Court Actions. Except as provided in subsection (g), neither you nor Amaro Insurance may commence or maintain any lawsuit, action, or proceeding in any court with respect to any dispute covered by this Section. If either party files such an action in court, the other party may seek dismissal or a stay of that action and an order compelling arbitration, and the filing party shall be responsible for the other party's reasonable costs incurred in compelling arbitration, to the extent permitted by law.

(c) Arbitration Procedure. The arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, as modified by this Section. The AAA rules are available at www.adr.org. There shall be one arbitrator. The arbitration shall take place in Sacramento County, California, or, at your election, may be conducted by telephone, video conference, or on written submissions. The arbitrator's award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, scope, or enforceability of this arbitration agreement, including any claim that all or part of it is void or voidable, except that a court shall decide any question regarding the enforceability of the class action waiver in subsection (e).

(d) Fees. Payment of filing, administration, and arbitrator fees will be governed by the AAA Consumer Arbitration Rules. If your claim is for $10,000 or less and is not frivolous, Amaro Insurance will pay the AAA filing, administration, and arbitrator fees to the extent they exceed the amount you would pay to file a claim in the small claims court of Sacramento County, California. Each party shall bear its own attorneys' fees and costs unless the arbitrator awards them under applicable law.

(e) Class Action Waiver. You and Amaro Insurance agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, private attorney general, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If this class action waiver is found to be unenforceable as to a particular claim, then that claim (and only that claim) shall proceed in court, and all remaining claims shall proceed in arbitration.

(f) Jury Trial Waiver. By agreeing to arbitration, you and Amaro Insurance each knowingly and voluntarily waive the right to a trial by jury for all disputes subject to this arbitration agreement.

(g) Limited Exceptions. Notwithstanding the foregoing, either party may (i) bring an individual claim in small claims court in Sacramento County, California, if the claim qualifies for that court and proceeds on an individual basis; and (ii) seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights or to prevent unauthorized access to or abuse of the Site. Nothing in this Section prevents you from filing a complaint with the California Department of Insurance or any other federal, state, or local agency, which may seek relief on your behalf where permitted by law.

(h) Opt-Out Right. You may opt out of this arbitration agreement and class action waiver by sending an email to admin@amaroinsurance.com within thirty (30) days of the date you first use the Site, with the subject line "Arbitration Opt-Out," stating your full name, mailing address, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.

(i) Pre-Dispute Notice and Informal Resolution. Before initiating arbitration, the party asserting a claim shall first send a written notice of the dispute to the other party describing the nature of the claim and the relief sought (for notices to us: Amaro Insurance, 9235 Fife Ranch Way, Elk Grove, CA 95624, or admin@amaroinsurance.com). The parties shall attempt in good faith to resolve the dispute informally for at least thirty (30) days before either party may commence arbitration. Completion of this informal resolution process is a condition precedent to initiating arbitration.

(j) Severability and Survival. Except as stated in subsection (e), if any portion of this Section 12 is found unenforceable, the remaining portions shall remain in full force and effect. This arbitration agreement survives the termination of these Terms and your use of the Site.

13. Indemnification

You agree to indemnify, defend, and hold harmless Amaro Insurance and its owners, officers, employees, producers, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your misuse of the Site, or your violation of any law or the rights of any third party in connection with your use of the Site.

14. Governing Law and Venue

These Terms and any dispute arising out of or relating to them or the Site are governed by the laws of the State of California and applicable federal law (including the Federal Arbitration Act as to Section 12), without regard to conflict-of-law principles. Subject to the arbitration agreement in Section 12, any judicial proceeding permitted under these Terms shall be brought exclusively in the state or federal courts located in or serving Sacramento County, California, and you consent to the personal jurisdiction and venue of those courts.

15. General Provisions

• Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Amaro Insurance regarding use of the Site, and supersede all prior understandings on that subject. They do not modify or replace any insurance policy, binder, application, or other signed insurance document.
• Severability. If any provision of these Terms is held invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.
• No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a sale or transfer of our business.
• Headings. Section headings are for convenience only and have no legal effect.

16. Contact Us

If you have any questions about these Terms or the Site, please contact us:

Amaro Insurance
9235 Fife Ranch Way
Elk Grove, CA 95624
Website: amaroinsurance.com
Email: admin@amaroinsurance.com