Last Updated: 12/07/2025

Welcome to the website of SeguroSmart Insurance Solutions LLC ("Company", "we", "us", or "our"). By accessing or using our website, you agree to comply with and be bound by the following Terms of Service ("Terms"). Please review them carefully. If you do not agree to these Terms, you should not access or use our website.

1. Acceptance of Terms

By accessing our website, obtaining a quote, or using our services, you agree to be bound by these Terms and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Services

SeguroSmart Insurance Solutions LLC is an independent insurance brokerage. Our website provides information regarding insurance products and services, allows users to request quotes, and facilitates communication with our agents.

3. No Professional Advice & No Binding Agreement

• Information Only: The content provided on this website is for general informational purposes only and does not constitute legal, tax, or financial advice.

• Not an Insurance Binder: Submission of an application, request for a quote, or any other interaction with this website does not constitute a binding confirmation of insurance coverage. Coverage is not effective until you receive a formal written confirmation (binder or policy) from the insurance carrier.

• Quotes: Any quotes provided via this website are non-binding estimates based on the information you provide. Final premiums are subject to carrier approval and verification of your information.

4. User Responsibilities

By using this site, you agree to:

• Provide true, accurate, current, and complete information when requesting quotes or communicating with us.

• Use the website only for lawful purposes.

• Not compromise the security of the website or attempt to access sensitive data belonging to us or other users.

Inaccurate Information: If you provide false or inaccurate information, your insurance quotes may be invalid, and any resulting policy may be subject to cancellation or denial of claims by the insurance carrier.

5. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of SeguroSmart Insurance Solutions LLC or its content suppliers and is protected by United States and international copyright laws. Unauthorized use of this content is strictly prohibited.

6. Third-Party Links and Services

Our website may contain links to third-party websites (such as insurance carriers or payment processors) that are not owned or controlled by us.

• We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

• You acknowledge and agree that SeguroSmart Insurance Solutions LLC shall not be responsible or liable for any damage or loss caused by your use of any such content, goods, or services available on or through any such websites.

7. SMS and Communication Consent

By providing your phone number to us, you consent to receive calls and text messages (SMS) from SeguroSmart Insurance Solutions LLC regarding your quotes, policies, or inquiries. Message and data rates may apply. You may opt out of receiving text messages at any time by replying "STOP."

8. Disclaimer of Warranties

The website and its contents are provided on an "as is" and "as available" basis. SeguroSmart Insurance Solutions LLC makes no representations or warranties of any kind, express or implied, regarding the operation of the website or the information, content, or materials included.

9. Limitation of Liability

To the fullest extent permitted by law, SeguroSmart Insurance Solutions LLC shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use this website or for the cost of procurement of substitute services.

10. Indemnification

You agree to indemnify, defend, and hold harmless SeguroSmart Insurance Solutions LLC, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the website.

11. Governing Law

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 legal action or proceeding related to this website shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Sacramento, California.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. It is your responsibility to check these Terms periodically for changes. Your continued use of the website following the posting of any changes constitutes acceptance of those changes.

13. Contact Information

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

SeguroSmart Insurance Solutions LLC

• Address: 2014 Capitol Ave. Ste-1004020, Sacramento, CA 95811

• Email: [email protected]

• Phone: 916-900-2236