Terms of Service

Agreement to Terms

By accessing or using the Pacific Direct Insurance website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this website.

We may update these terms at any time. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

Eligibility

This website is intended for United States residents who are at least 18 years of age. By using this website, you represent that you meet these requirements. Life insurance products described on this website are available only to residents of states where Pacific Direct Insurance is licensed to conduct business.

Insurance Coverage Cannot Be Bound Online

Insurance coverage cannot be bound, changed, or cancelled through this website, email, voicemail, or any online form submission. Coverage is only effective when confirmed in writing by a licensed insurance carrier.

Quote requests and contact form submissions are requests for information only and do not constitute an application for insurance. All coverage is subject to underwriting approval, policy terms, conditions, and exclusions as determined by the issuing insurance carrier.

Not Professional Advice

The information on this website is provided for general educational purposes only. It is not intended to be, and should not be construed as, legal, tax, financial, or insurance advice tailored to your specific situation.

Before making any insurance decisions, you should consult directly with a licensed insurance professional, and where appropriate, with your own legal, tax, or financial advisors. The applicability of any information to your individual circumstances should be verified by qualified professionals.

Information Accuracy

While we strive to provide accurate and up-to-date information, Pacific Direct Insurance makes no warranties or representations regarding the accuracy, completeness, or timeliness of the content on this website.

Insurance products, rates, and underwriting guidelines change frequently. The information presented here may not reflect the most current offerings from insurance carriers. Actual policy terms, conditions, and pricing will be determined at the time of application and are subject to carrier approval.

Permitted Use

You may use this website for personal, non-commercial purposes only. You may not:

• Copy, reproduce, or republish website content without written permission
• Use automated tools to scrape or collect data from this website
• Interfere with the website's operation or security
• Use the website for any unlawful purpose
• Transmit any malicious code or attempt to gain unauthorized access

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Pacific Direct Insurance or its licensors and is protected by copyright and trademark laws. Nothing on this website grants you any license or right to use any content without prior written permission.

Third-Party Links

This website may contain links to third-party websites for your convenience. Pacific Direct Insurance does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Accessing linked websites is at your own risk.

Privacy

Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. Please do not send sensitive personal information such as Social Security numbers through email or online contact forms.

Limitation of Liability

To the fullest extent permitted by law, Pacific Direct Insurance and its owner, Drew Napolin, shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein.

This website is provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Indemnification

You agree to indemnify and hold harmless Pacific Direct Insurance, its owner, and affiliates from any claims, damages, losses, or expenses arising from your use of this website or violation of these Terms of Service.

Governing Law

These Terms of Service are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of this website shall be resolved in the courts of Orange County, California.

Contact

If you have questions about these Terms of Service, please contact us at drew@pacificdirectinsurance.com.