Terms & Conditions
Heritage Oaks Insurance Agency LLC
These Terms & Conditions govern use of the Heritage Oaks Insurance Agency LLC website.
1. Website Information
Information on this website is provided for general informational purposes and may change without notice.
Nothing on this website constitutes an insurance policy, binder, guarantee of coverage, or guarantee of insurance eligibility.
2. Insurance Quotes and Coverage
Insurance quotes are estimates and are subject to underwriting, carrier approval, eligibility, policy terms, and applicable conditions.
Submitting a quote request, application, appointment request, or payment does not by itself bind, issue, renew, or modify insurance coverage.
Coverage becomes effective only when properly bound or issued by an insurer or authorized representative, subject to applicable requirements and confirmation of the effective date.
Do not cancel existing coverage until replacement insurance has been confirmed effective.
3. Independent Agency and Product Availability
Heritage Oaks Insurance Agency LLC is an independent insurance agency.
Insurance products and available carriers may vary by location, applicable licensing, carrier appointments, distribution arrangements, underwriting guidelines, and eligibility.
We do not guarantee that every insurance product, carrier, or coverage option will be available to every applicant.
4. Accuracy of Information
Users are responsible for providing accurate and complete information when requesting quotes or applying for insurance.
Inaccurate or incomplete information may affect premiums, eligibility, underwriting, claims, or coverage.
Applicants and policyholders should review applications, declarations, endorsements, and policy documents carefully.
5. Third-Party Services
Our website may link to or incorporate third-party services, including EZLynx and Calendly.
Third-party services may be governed by separate terms and privacy notices.
Heritage Oaks does not guarantee uninterrupted access to third-party platforms.
6. Communications
We may contact you to respond to inquiries, schedule consultations, or assist with requested insurance services, subject to applicable law and communication preferences.
Providing contact information does not automatically authorize automated promotional telephone calls or text messages.
This website does not provide enrollment in an agency-operated automated SMS marketing program. Any service-related communications remain subject to applicable law and the communication preferences or authorizations associated with the relevant service.
7. Acceptable Website Use
Users must not engage in fraudulent activity, impersonation, unauthorized access, malicious interference, or other unlawful use of this website.
We may restrict access where reasonably necessary to protect website operations and security.
8. No Emergency or Immediate Coverage Changes
This website is not an emergency reporting service.
Requests to change, cancel, reinstate, or bind insurance coverage are not effective merely because they are submitted through this website, email, or an appointment request.
Contact the appropriate insurer or authorized representative and obtain confirmation of any coverage changes.
9. Privacy
Our Privacy Policy describes general website information practices.
Additional insurance-specific privacy notices and authorizations may apply to insurance transactions.
10. Applicable Law
These terms are subject to applicable federal and state laws. Nothing in these terms is intended to waive consumer protections or rights that cannot lawfully be waived.
11. Changes to Terms
We may revise these Terms & Conditions as appropriate. Updated terms will be posted with a revised effective date.
12. Contact Information
Heritage Oaks Insurance Agency LLC
San Antonio, Texas
Texas Agency License: 3568892
Arizona Agency License: 3004502134
Phone: 210-560-0215
Email: james@heritageoaksinsurance.com
Insurance agency licensing information is available upon request and through applicable state insurance departments.