Terms of Service

Agreement to Terms

By accessing or using the Lintel Insurance Group website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

Description of Services

Lintel Insurance Group is an insurance brokerage that provides property and liability insurance products for building owners. We work with multiple insurance carriers to find coverage options that meet your needs. We act as your broker and advocate, not as an insurance company.

User Responsibilities

When using our services, you agree to:

• •Provide accurate, current, and complete information in all applications and communications
• •Maintain the confidentiality of your account credentials
• •Notify us promptly of any changes to your information or circumstances that may affect your coverage
• •Review all policy documents carefully and ask questions if anything is unclear
• •Pay premiums and fees when due
• •Use our services only for lawful purposes

Insurance Products

Please understand that:

• •Insurance quotes are estimates and final premiums may differ based on underwriting
• •Coverage is not bound until confirmed in writing by the insurance carrier
• •Policy terms, conditions, and exclusions are determined by the issuing insurance company
• •We do not guarantee the availability of coverage or specific premium rates

Intellectual Property

The content on our website, including text, graphics, logos, images, and software, is the property of Lintel Insurance Group or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Limitation of Liability

To the fullest extent permitted by law, Lintel Insurance Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.

Disclaimers

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• •Our services will be uninterrupted, timely, secure, or error-free
• •The results obtained from using our services will be accurate or reliable
• •Any errors in our services will be corrected

Indemnification

You agree to indemnify and hold harmless Lintel Insurance Group, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of your use of our services, violation of these terms, or infringement of any rights of another party.

Governing Law

These Terms of Service 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 disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Los Angeles County, California.

Termination

We reserve the right to terminate or suspend your access to our services at any time, without prior notice or liability, for any reason, including if you breach these Terms of Service. Upon termination, your right to use our services will immediately cease.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will provide notice of material changes by posting the updated terms on our website and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the new terms.

Contact Us

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