Terms of Use

1. Consent to Terms of Use

This Web site is owned and operated by Coastal Pacific Insurance Group, Inc. ("Coastal Pacific Insurance Group," "we," "us" or "our"). These Terms of Use apply to coastalpacificinsurance.com and any other website operated by Coastal Pacific Insurance Group, Inc. that expressly links to these Terms (collectively, the "Site"). By accessing our Site, you consent to these Terms of Use ("Terms") and our collection, use and sharing of your information as described in our Privacy Policy, or any other terms linked to these Terms. If you do not agree to these Terms, please exit our Site. If you have any questions regarding our Terms or your use of our Site, please contact us by email at clientservices@coastalpacificinsurance.com, or by mail to: 23046 Avenida De La Carlota, Suite 600, Laguna Hills, CA 92653.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE SITE. THEY APPLY TO ALL USERS OF THE SITE.

2. Ownership of Site Content

Unless otherwise noted, all photographs, pictures, graphics, and all other images, including digital, printed and video images, and portions thereof, and all content, data, information, news, and all other text and materials, including digital, printed and audio, along with the layout and design of the Site and all documentation, data, services, features, products and other content at the Site (collectively, "Site Content") are protected by the copyright laws of the United States and other jurisdictions. All Site Content is owned by, or licensed to, Coastal Pacific Insurance Group. Site Content may not be reproduced, modified, redistributed or otherwise used in any way without an express written license with the applicable Site Content owner.

3. Use of Site Content

You are hereby granted a limited, non-exclusive, non-assignable, non-transferable, revocable license to access and display on your personal computer or mobile device for your own use, but not copy or transfer or broadcast or otherwise use in any way, the Site Content found at this Site for your personal, non-commercial and educational use only.

4. Reservation of Rights

All rights not expressly granted by Coastal Pacific Insurance Group herein are reserved. Nothing on the Site or in these Terms grants, expressly or implicitly, by estoppel or otherwise, any right or license to use any Site Content or other materials of any third party, or may be construed to mean that Coastal Pacific Insurance Group has the authority to grant any license on behalf of any third party.

5. Coastal Pacific Insurance Group Trademarks

The Coastal Pacific Insurance Group name, logo and other agency-owned brand materials displayed on the Site belong to Coastal Pacific Insurance Group, Inc. or its applicable licensors. These Terms do not grant permission to use them without the rights holder's consent. Carrier logos and other third-party marks, if displayed, remain the property of their respective owners and are addressed in Section 6. No claim of trademark registration is made here.

6. Third Party Trademarks

The trademarks of third parties may also appear on the Site from time to time; you may not use these trademarks without prior written permission of their respective owners. You acknowledge and agree that nothing on the Site grants, expressly or implicitly, by estoppel or otherwise, any right or license to use any of these trademarks, nor may anything be construed to mean that Coastal Pacific Insurance Group has authority to grant any right or license on behalf of any third-party trademark owner.

7. Restrictions, Limitations and Conditions of Use

Any unauthorized use of our Site or Site Content for any purpose is prohibited. Your rights to this Site are given on the condition that you use the Site in accordance with these Terms. You may not use the Site for any unlawful purpose and you may not participate in any of the following:

1. access, solicit, collect or use any personally identifying information about any other users of the Site or anyone else;
2. restrict or inhibit others from using the Site;
3. transmit to or introduce at the Site any viruses, harmful software, or other modifications or changes to the Site or reverse engineer, decompile, disassemble, reverse assemble or modify any Site source or object code or any software or other services or processes accessible through any portion of the Site or Site Content;
4. submit, upload, email or otherwise transmit any content or other materials, to or through the Site which (a) is threatening, abusive, defamatory, obscene, vulgar, offensive, or otherwise objectionable, or which may harm minors; (b) infringes or violates the rights of others, or (c) has an advertising, political marketing, promotional or other commercial purpose;
5. engage in any activities that interfere with another user's access to the Site or the proper operation of the Site; or
6. distribute or copy any Site Content manually or by using any robot, scraper, crawler, or any other automatic device or process; frame or utilize framing techniques to enclose any Site Content; or use content from our Site in a manner that suggests an unauthorized association with any of our or our licensor's products, services or brands.

Coastal Pacific Insurance Group has no obligation to monitor your interaction with the Site, but reserves the right to review or monitor the Site and any user submissions in its sole discretion.

8. Links to Other Sites

In using the Site, you may find that Coastal Pacific Insurance Group provides hyperlinks to one or more third-party websites (the "Linked Sites"). Coastal Pacific Insurance Group provides these links as a convenience for you and other users but is not responsible for the content of, or links to and from, the Linked Sites. Your linking to these Linked Sites is at your own risk. We encourage you to read the terms and conditions and similar privacy policies of the respective Linked Sites, should you choose to visit them since your use of those Linked Sites will be subject to their terms of use and privacy policies. A link from the Site does not imply a relationship with, or endorsement of, the Linked Site(s) or its content, purpose, policies, or business practices by Coastal Pacific Insurance Group.

9. Disclaimer, Limitation of Liability, and Indemnification

The materials, Site Content and services offered on the Site are provided "AS IS" and without warranties of any kind. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of non-infringement, merchantability and fitness for a particular purpose. We do not warrant that the use of the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the server(s) that make it available or any advertised or hyperlinked site are free of viruses or other harmful components or that the Site, server(s), or advertised or Linked Sites will be accessible at all times. We do not warrant or make any representations regarding the use of the Site or any information contained therein, including Site Content, with respect to correctness, accuracy, availability, reliability, graphics, links or otherwise. You assume the entire cost of all necessary servicing, repair or correction to any equipment you use to access the Site. To the extent that applicable law may not allow the exclusion of implied warranties, the above exclusions may not apply to you.

Documents, information, product descriptions, graphics and other materials appearing on the Site may include technical inaccuracies, miscalculations, typographical errors, and out-of-date information. Use of such documents, information, product descriptions, graphics or other materials is at your own risk.

You waive any and all claims and rights against Coastal Pacific Insurance Group, Inc. and its successors and each of our employees, assignees, officers, agents and directors (the "Coastal Pacific Insurance Group Parties") resulting from injury or damage to, or destruction, theft, or loss of, any property, or person, to the maximum extent permitted by applicable law. None of the Coastal Pacific Insurance Group Parties will be liable to you under any cause of action, for any direct, indirect, special, incidental, consequential, reliance or punitive damages, including loss of profits or business interruption. You hereby agree to indemnify the Coastal Pacific Insurance Group Parties from and against any and all claims, liabilities, and expenses (including reasonable attorneys' fees), resulting from your use of the Site or any breach of these Terms by you.

10. Ability to Accept Terms

You affirm that you are the age of majority in your jurisdiction and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms, and to abide by and comply with these Terms. The Site is not intended for children under the age of eighteen (18). If you are under 18 years of age, then please exit now and do not use this Site.

11. Data Processed in the United States

Coastal Pacific Insurance Group processes data in the United States, and we make no representation that this Site is appropriate or available for use beyond the United States. If you use this Site from other locations, you are doing so on your own initiative and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. This Site may describe programs and services that are available only in the United States (or only parts of it). We reserve the right to limit the availability of this Site and/or the provision of any content, programs, service, or other feature described or available on this Site to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, service, or other feature that we provide.

If you are in a jurisdiction outside the United States and nevertheless continue to use the Site, your personal information may be transferred into and processed within the United States, and your continued use of the Site constitutes consent to such transfer and processing. Please review our Privacy Policy for additional information on how we process and protect your data.

12. Choice of Law and Forum

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising under or relating to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Orange County, California, and you hereby consent to the personal jurisdiction and venue of such courts. Nothing in this section limits any consumer rights you may have under applicable California law.

13. Severability and Enforceability

If any provision or portion of these Terms is held to be illegal, invalid, or unenforceable, in whole or in part, it shall be modified to the minimum extent necessary to correct any deficiencies or replaced with a provision which is as close as is legally permissible to the provision found invalid or unenforceable and shall not affect the legality, validity or enforceability of any other provisions or portions of these Terms.

14. Termination/Exclusion

We reserve the right, in our sole discretion, to revoke, terminate or suspend any and all privileges associated with accessing the Site for any reason or for no reason whatsoever including improper use of the Site or failure to comply with these Terms, and to take any other action we deem appropriate.

15. User Suggestions

You acknowledge and agree that any voluntary, non-confidential questions, comments, suggestions, ideas, or feedback provided by you to Coastal Pacific Insurance Group through the Site are not confidential and you grant us a worldwide, perpetual, royalty-free license to distribute, publish, modify, edit or otherwise use your submissions. Coastal Pacific Insurance Group shall be entitled to the unrestricted use and dissemination of these submissions for any purpose, commercial or otherwise without any acknowledgement of or compensation to you. This section does not apply to personal information, insurance applications, health information, or customer-service communications, which remain governed by our Privacy Policy and applicable law.

16. Changes to Terms

We may revise these Terms at any time, with or without notice, by updating this page, and such revisions will be effective upon posting to this page. Please check these Terms periodically for any changes. Your continued use of the Site following the posting of any revisions to these Terms will mean you accept those changes. We reserve the right to alter, suspend or discontinue any aspect of the Site, including your access to it. Unless explicitly stated, any new features will be subject to these Terms.

17. Assignment

These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you. However, we may assign, novate or subcontract any or all of our rights and obligations under these Terms at any time.

18. Entire Agreement

These Terms, together with the Privacy Policy and any other documents or policies referenced herein, constitute the entire agreement between you and Coastal Pacific Insurance Group regarding the use of the Site and the content and services provided on this Site, superseding any prior agreements between you and Coastal Pacific Insurance Group relating to the subject matter hereof.

19. Product Restrictions

Our website provides information about Medicare Advantage, Medicare Supplement, prescription drug plans, term life, final expense life, home, auto, condo, renters, umbrella, dental, vision and hearing coverage. Actual availability depends on state licensing, carrier relationships, location and the product's eligibility requirements.

Quotes, illustrations and comparisons do not guarantee that a policy will be issued or that coverage is in force. Provide accurate, current information when requesting a quote or submitting an application. Contact clientservices@coastalpacificinsurance.com to request corrections to information you provided to us.

Eligibility, premiums, exclusions and application requirements vary by product. Life and property and casualty insurers may use underwriting and authorized third-party records where applicable. Medicare Advantage and prescription drug plan enrollment follow the applicable Medicare eligibility and enrollment rules. Medicare Supplement applications may involve medical underwriting in some circumstances, subject to applicable rights and protections. Dental, vision and hearing products have their own terms and limitations.

Coverage and effective dates must be confirmed through the applicable insurer or authorized binding process. Policy documents, certificates and plan documents govern the coverage purchased; summaries on this Site do not replace them.

20. Contact Us

If you have any questions regarding these Terms or your use of our Site, please contact us:

21. Life Policy Disclaimers

Life insurance availability, premiums, benefits and application requirements depend on the insurer, product and applicant. "Instant" or accelerated processing does not guarantee approval for every applicant or that an examination will never be required. Final expense policies may contain graded or limited benefits during an initial period. Refer to the applicable policy and insurer-approved product disclosures for complete terms.

22. Life and Health Licensing Information

Coastal Pacific Insurance Group, Inc. is an insurance agency, not an insurance company. Insurance services are offered only where the agency and the assisting agent hold the required licenses and authorization. California agency license number to be confirmed and inserted prior to publication.

23. Auto and Home Licensing Information

Coastal Pacific Insurance Group, Inc. provides property and casualty insurance assistance where it and the assisting agent have the required licenses and authorization. Insurance coverage is provided by the issuing insurer and is subject to its policy terms. Products and services are not available in every state or through every insurer. California property and casualty licensing information to be confirmed and inserted prior to publication.

24. Do Not Call Request

You may request that Coastal Pacific Insurance Group stop making marketing calls to you by emailing clientservices@coastalpacificinsurance.com. Include the telephone number to which your request applies. We will process the request in accordance with applicable law. A later website visit or inquiry does not automatically cancel a previous opt-out; any subsequent marketing contact must have an appropriate legal basis.