Terms & Conditions
1. Introduction
These Terms and Conditions ("Terms") govern your relationship with Washington Rojas ("we," "us," or "our"), an independent insurance broker offering life insurance and related products. By engaging with our services, you agree to these Terms.
2. Services Provided
We offer insurance brokerage services, including guidance, policy recommendations, and assistance with applications and claims. Our goal is to help you find the insurance policy best suited to your needs and objectives.
3. Independence and Advice
As an independent broker, we work with various insurance providers to offer a wide range of policy options. Our advice is unbiased, and our recommendations prioritize your best interests. However, the final decision to purchase any policy remains with you.
4. No Guarantee of Policy Approval
While we provide recommendations and support, we cannot guarantee that your insurance application will be approved. Approval is contingent on the provider’s underwriting criteria and policies.
5. Client Responsibilities
You are responsible for providing accurate and complete information during the application process. Failure to disclose relevant details may result in denial of coverage or claims.
6. Fees and Commissions
We may receive commissions from insurance providers when you purchase a policy through us. No additional fees will be charged for our brokerage services unless otherwise stated in writing.
7. Confidentiality
We are committed to safeguarding your personal information in accordance with our Privacy Policy. Your information will not be disclosed without your consent, except as necessary to fulfill our services or as required by law.
8. Limitation of Liability
We are not liable for any loss, damage, or claim arising from your use of our services, except where liability is mandated by law. This includes losses resulting from errors in the information provided by you, decisions made by insurers, or changes in your personal circumstances.
9. Policy Changes and Cancellations
Any changes to your policy, including cancellations, must be communicated directly to the insurance provider. While we can assist with this process, we cannot guarantee the outcome of any request made to the insurer.
10. Complaints and Dispute Resolution
If you have any concerns or complaints about our services, please contact us directly. We will address your issue promptly. Disputes that cannot be resolved amicably may be referred to mediation or arbitration as required by law.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of [insert jurisdiction]. Any legal actions arising from these Terms will be handled in the courts of [insert jurisdiction].
12. Changes to Terms
We reserve the right to modify these Terms at any time. Any changes will become effective upon posting the updated Terms on our website or by notifying you.
13. Contact Information
For any questions regarding these Terms, please contact us at:
Washington Rojas
Orlando, Florida
+1 855-416-0947