Website Terms and Conditions

Last Updated: May 13, 2026

These Website Terms and Conditions (“Terms”) are a binding agreement between you and Germani Insurance Services (“we,” “us,” or “our”) governing your access to and use of www.germaniinsurance.net, any pages that link to these Terms, and any online forms, communications, or services made available through the website (collectively, the “Site”).

Please read these Terms carefully. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Acceptance of Terms

You may use the Site only if you can form a legally binding contract with us and only in compliance with these Terms and applicable law. If you are using the Site on behalf of a business or other organization, you represent that you are authorized to bind that organization to these Terms.

We may update these Terms from time to time. Changes are effective when posted unless a different effective date is stated. Your continued use of the Site after changes are posted means you accept the revised Terms.

2. Eligibility

The Site is intended for users who are at least 18 years old or who use the Site with the consent and supervision of a parent or legal guardian. By using the Site, you represent that you meet these requirements.

3. Insurance Services; No Coverage Bound Through the Site

Germani Insurance Services provides insurance agency and brokerage-related services. Information on the Site is provided for general informational purposes only and is not legal, tax, financial, or personalized insurance advice. You should consult with a licensed insurance professional regarding your specific needs.

Submitting a request for a quote, application, policy change, certificate, claim assistance, payment information, document, or other message through the Site does not, by itself, bind, amend, renew, cancel, reinstate, or otherwise change insurance coverage. Coverage is effective only when expressly confirmed in writing by us or the applicable insurance carrier, and only subject to the terms, conditions, exclusions, endorsements, underwriting requirements, and payment terms of the applicable policy.

Insurance quotes, indications, proposals, comparisons, summaries, and other information are estimates only and are subject to underwriting review, carrier approval, eligibility, payment, and issuance of written coverage documents. If there is a conflict between website content and an insurance policy, binder, endorsement, declaration, certificate, or carrier document, the applicable insurance document controls.

Do not use the Site for emergencies, urgent claims, or time-sensitive coverage requests. For urgent matters, contact us by phone and follow any applicable carrier instructions.

4. Accuracy of Information You Provide

You agree to provide accurate, current, and complete information when using the Site, requesting quotes, submitting forms, communicating with us, or providing information for insurance purposes. You are responsible for reviewing information submitted to us and notifying us promptly of errors, omissions, or changes.

Inaccurate, incomplete, or delayed information may affect quote availability, premium, underwriting, policy issuance, claims handling, coverage, or carrier decisions. We are not responsible for losses resulting from information that you provide inaccurately, incompletely, or late.

5. Permitted Use and Prohibited Conduct

You may use the Site only for lawful, personal, or legitimate business purposes related to learning about or requesting insurance services from us. You agree not to:

• Use the Site in any way that violates applicable law or these Terms;
• Interfere with, disrupt, overload, or impair the Site or related systems;
• Attempt to gain unauthorized access to the Site, our systems, accounts, data, or networks;
• Use automated tools, scraping, bots, or similar methods to access or copy content without permission;
• Upload or transmit malicious code, harmful files, or unauthorized advertising;
• Misrepresent your identity, authority, insurance needs, business operations, or other material facts;
• Use the Site to submit false, misleading, fraudulent, abusive, or unlawful information.

6. Intellectual Property and Limited License

The Site, including text, graphics, logos, icons, images, forms, layout, design, software, trademarks, service marks, and other content, is owned by or licensed to Germani Insurance Services and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your personal or internal business use.

You may not copy, modify, reproduce, distribute, publicly display, create derivative works from, reverse engineer, decompile, mirror, frame, sell, exploit, or otherwise use Site content except as expressly permitted by us in writing or as allowed by applicable law. You may not remove copyright, trademark, or proprietary notices from Site materials.

7. User Submissions and Communications

When you submit information, documents, forms, messages, or other materials through the Site or by email, phone, SMS, e-signature platform, or other communication channel, you authorize us to use, process, transmit, and disclose that information as reasonably necessary to respond to you, provide services, obtain quotes, service policies, communicate with carriers or service providers, comply with law, and operate our business.

You represent that you have the right to provide any information you submit, including information about your household, employees, drivers, business, property, vehicles, or other persons or entities.

8. Electronic Communications and E-Signatures

You agree that we may communicate with you electronically, including by email, website forms, electronic signature platforms, customer portals, and SMS where you have consented. Electronic communications may include notices, reminders, forms, documents, signature requests, policy-related information, billing reminders, renewal notices, and other service communications.

If you sign documents electronically, you agree that your electronic signature has the same legal effect as a handwritten signature to the extent permitted by law.

9. SMS Communications

By opting in to receive SMS communications from Germani Insurance Services, you consent to receive text messages from us at the mobile number you provide. Messages may include billing reminders, renewal notices, document signature reminders, account-related alerts, service updates, and other insurance-related communications. If we send marketing or promotional SMS messages where required by law, your consent is not a condition of purchasing goods or services.

Message frequency varies, but you may receive up to 3 messages per week depending on the nature of the communication. Message and data rates may apply depending on your mobile carrier and plan. Carriers are not liable for delayed or undelivered messages.

You may opt in by submitting an online form, selecting an SMS consent box, signing an authorization, or otherwise providing your consent. You may opt out at any time by replying STOP, CANCEL, UNSUBSCRIBE, or another reasonable opt-out request to any SMS message. You may also contact us directly to request removal. For help, reply HELP, visit our Site, or call us at 310-733-2390.

No mobile opt-in data or SMS consent information will be shared with third parties or affiliates for their marketing or promotional purposes. We may share such information with service providers solely as necessary to deliver SMS communications on our behalf, maintain records, comply with law, and operate our messaging program.

10. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, disclose, retain, and protect personal information. The Privacy Policy is incorporated into these Terms by reference.

11. Third-Party Websites, Carriers, and Service Providers

The Site may contain links to or integrate with third-party websites, carriers, wholesalers, premium finance companies, payment processors, electronic signature providers, customer portals, analytics tools, or other third-party services. We do not control and are not responsible for third-party websites, services, content, policies, security, or practices. Your use of third-party services may be governed by their separate terms and policies.

12. Disclaimer of Warranties

THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AVAILABILITY, SECURITY, AND RELIABILITY.

We do not warrant that the Site will be uninterrupted, error-free, secure, current, or free of viruses or other harmful components, or that any defects will be corrected. We do not warrant that information on the Site is complete, current, or applicable to your specific circumstances.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Germani Insurance Services AND ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, REPRESENTATIVES, SUPPLIERS, SERVICE PROVIDERS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES, LOST PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, LOSS OF GOODWILL, LOSS OF COVERAGE ARISING FROM YOUR FAILURE TO OBTAIN WRITTEN CONFIRMATION OF COVERAGE, OR DAMAGES RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SITE.

To the maximum extent permitted by law, our total liability for any claim arising out of or relating to the Site or these Terms will not exceed one hundred dollars ($100) or the amount you paid directly to us for use of the Site, whichever is greater. Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

14. Indemnification

You agree to defend, indemnify, and hold harmless Germani Insurance Services and its owners, officers, employees, agents, representatives, service providers, and licensors from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys fees, arising out of or related to your use of the Site, your violation of these Terms, your violation of law, your infringement of another person’s rights, or information you submit that is inaccurate, incomplete, unauthorized, misleading, or unlawful.

15. Suspension and Termination

We may suspend, restrict, or terminate access to the Site at any time, with or without notice, if we believe you have violated these Terms, created risk, interfered with Site operations, or used the Site unlawfully or improperly. Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitations of liability, indemnification, governing law, and dispute provisions.

16. Governing Law and Venue

These Terms and any dispute arising out of or relating to the Site are governed by the laws of the State of California, without regard to conflict-of-laws principles. Subject to any mandatory rights you may have under applicable law, you agree that the state and federal courts located in Los Angeles County, California will have exclusive jurisdiction and venue over any dispute arising out of or relating to these Terms or the Site.

17. Informal Dispute Resolution; Class Action Waiver

Before filing a claim, you and we agree to make a good-faith effort to resolve the dispute informally. The party asserting a dispute must provide written notice describing the dispute and requested relief, and the parties will attempt to resolve the matter for at least 30 days after notice is received.

To the maximum extent permitted by law, you and we agree that any dispute will be brought only in an individual capacity and not as a plaintiff, class member, or representative in any class, collective, consolidated, private attorney general, or representative proceeding. This provision does not prevent either party from seeking relief in small claims court where available.

18. Severability; No Waiver; Entire Agreement

If any provision of these Terms is found unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of our right to do so later. These Terms, together with the Privacy Policy and any written agreements that expressly apply to particular services, constitute the entire agreement between you and us regarding the Site.

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