Terms and Conditions

Terms and Conditions

Last updated: [Insert Date]

1. Agreement to Terms

These Terms and Conditions (“Terms”) constitute a binding agreement between you and Germani Insurance Services (“we,” “us,” or “our”) regarding your access to and use of our website located at www.germaniinsurance.net (“Site”) and any related services that link to these Terms (“Services”).

2. Use of Our Services

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Services immediately. You represent that you are at least 18 years old or have the consent of a parent or legal guardian.

3. Intellectual Property

All content, trademarks, and intellectual property displayed on the Site are owned or licensed by Germani Insurance Services. You may not reproduce, modify, distribute, or use our content without prior written permission, except for personal, non-commercial use.

4. User Responsibilities

By using the Services, you agree not to engage in any activity that is unlawful, abusive, or interferes with the proper functioning of the Site. You may not attempt to gain unauthorized access to our systems or data.

5. Limitation of Liability

We make no warranties regarding the accuracy, completeness, or availability of the Services. To the maximum extent permitted by law, Germani Insurance Services shall not be liable for any damages arising from your use of the Services.

6. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be effective when posted on this page. Your continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.

7. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles.

8. SMS Communications

By opting in to receive SMS communications from Germani Insurance Services, you agree to the following terms:

Consent and Privacy

Your phone number and SMS opt-in data will not be shared with third parties or affiliates for marketing purposes.

Types of Messages You May Receive

Messages may include billing reminders, renewal notices, and other account-related alerts. Examples include:

“Hello, this is a friendly reminder that you have a payment due on [Date]. Please proceed with payment to avoid a lapse in coverage. Reply STOP to opt out. HELP for assistance. Msg & data rates may apply.”

“You have a document awaiting signature via DocuSign. Please check your email. Reply STOP to opt out. HELP for assistance. Msg & data rates may apply.”

Message Frequency

Message frequency varies, but you may receive up to 3 messages per week depending on the nature of the communication.

Carrier Fees

Standard message and data rates may apply depending on your mobile carrier’s pricing plan. Fees may vary by location.

Opt-In

You may opt in to SMS by submitting an online form or selecting the SMS consent box when filling out forms on our website.

Opt-Out

You may opt out at any time by replying “STOP” to any SMS message. You may also contact us directly to be removed from our messaging list.

Help and Support

If you need help, reply “HELP” to any message, visit our website at www.germaniinsurance.net, or call us at 310-733-2390.

If you do not wish to receive SMS messages, simply do not check the consent box on any of our forms.

Disclosure

Message and data rates may apply. You may opt out at any time by replying “STOP.” For help, reply “HELP” or visit our Privacy Policy and Terms and Conditions pages. Message frequency may vary.

9. Contact Us

If you have any questions or concerns about these Terms, you may contact us at:

Germani Insurance Services
3415 S Sepulveda Blvd
Los Angeles, CA 90034
United States
Phone: 310-733-2390