KINS Insurance Agency Terms of Use
Last Updated: [Month Day, Year]
Welcome to the KINS Insurance Agency website (“KINS,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of this website (the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree to these Terms, please do not use the Site.
About KINS Insurance Agency
KINS Insurance Agency is a licensed insurance agency serving California homeowners through appointed insurance professionals. KINS provides access to insurance products offered by one or more insurance carriers. KINS is not an insurance company. Insurance coverage is provided by the insurer identified in the applicable quote, binder, policy, or other insurance documentation.
Website Information
Information provided on this Site, including information regarding insurance products, coverage features, eligibility, and underwriting guidelines, is provided for general informational purposes only. Insurance products, coverage, eligibility, and availability are subject to applicable underwriting requirements, terms, conditions, exclusions, and applicable law and may change from time to time. Information on this Site does not constitute an insurance policy, binder, or guarantee of coverage. In the event of any conflict between information on this Site and the terms of an issued insurance policy, binder, endorsement, or other applicable insurance contract, the terms of the applicable insurance contract will govern.
Agent Portal
The Site may provide access or links to the KINS Agent Portal. Access to and use of the Agent Portal may be subject to separate terms, conditions, agreements, or requirements applicable to authorized users.
Intellectual Property
The Site and its content, including text, graphics, logos, designs, images, and other materials, are owned by or licensed to KINS and are protected by applicable intellectual property laws. Site materials may be used for legitimate informational and business purposes related to KINS products and services. Unless otherwise permitted by KINS, Site materials may not be reproduced, modified, distributed, published, or commercially used without prior authorization. All trademarks, service marks, trade names, and logos appearing on the Site are the property of their respective owners.
Third-Party Links
The Site may contain links to websites or services operated by third parties. These links are provided for convenience and do not necessarily constitute an endorsement by KINS. KINS does not control and is not responsible for the content, availability, security, or privacy practices of third-party websites. Use of third-party websites and services is subject to their respective terms and policies.
Disclaimer
KINS makes reasonable efforts to keep information on the Site accurate and current. However, the Site and its content are provided on an “as is” and “as available” basis to the fullest extent permitted by law. KINS does not warrant that the Site will always be available, uninterrupted, error-free, or that all information will always be complete, accurate, or current. Nothing on this Site modifies the terms, conditions, limitations, exclusions, or provisions of any insurance policy or other insurance contract.
Limitation of Liability
To the fullest extent permitted by applicable law, KINS and its affiliates, officers, employees, agents, licensors, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or relating to the use of, or inability to use, the Site. Nothing in these Terms limits liability that cannot lawfully be limited or excluded.
Privacy
Use of the Site is also subject to the KINS Privacy Policy.
Changes to These Terms
KINS may update these Terms from time to time. Updated Terms will be posted on the Site with a revised “Last Updated” date.
Governing Law
These Terms are governed by applicable federal law and the laws of the State of California, without regard to its conflict-of-laws principles.