2. Not a Binder of Insurance
Informational Purposes: The content on this Site, including quote generators and educational articles, is for informational purposes only.
No Contract Created: Obtaining a quote through this Site does not constitute a binder of insurance or a guaranteed offer of coverage. A formal contract is only formed once an application is underwritten, approved, and the initial premium is paid.
3. Electronic Communications and Signatures
In accordance with the Arizona Uniform Electronic Transactions Act (UETA):
You consent to conduct transactions and receive legal disclosures electronically.
Electronic signatures provided through this Site carry the same legal weight as "wet ink" signatures.
You may withdraw this consent at any time, though it may limit your ability to use certain online services.
4. Accuracy of Information
User Data: You represent that all information provided via online forms is accurate. Providing false information for the purpose of obtaining a lower premium is considered insurance fraud under A.R.S. § 20-463.
Site Content: While we strive for 100% accuracy, we do not warrant that product descriptions or premium rates on the Site are always current or error-free.
5. Intellectual Property
All logos, text, graphics, and software on this Site are the property of Lino Arteaga Ins. or its licensors and are protected by U.S. copyright and trademark laws. You may not scrape, copy, or redistribute Site content without express written permission.
6. Third-Party Links
The Site may contain links to third-party websites (e.g., medical exam scheduling services or financial calculators). We do not control these sites and are not responsible for their content or privacy practices.
7. Limitation of Liability
To the maximum extent permitted by law, Lino Arteaga Ins. shall not be liable for any direct, indirect, or consequential damages resulting from:
The use or inability to use the Site.
System failures or "downtime" during the application process.
Unauthorized access to your personal data caused by factors outside our reasonable control.
8.Modifications
We reserve the right to update these Terms at any time. Your continued use of the Site following the posting of changes constitutes your acceptance of the new Terms.
9.SMS messaging use cases
Our SMS program is used to send customers important business-related text messages after they provide consent to receive communications. Message types may include appointment reminders, order updates, service notifications, account alerts, customer support responses, and occasional promotional or marketing messages where permitted. Messages are only sent to users who have opted in through our website forms, lead forms, checkout pages, or other consent-based methods. Message frequency varies depending on user interaction and service usage. Standard message and data rates may apply. Users can opt out at any time by replying STOP, and can request help by replying HELP.
10. Opt-out Language
You can opt out of receiving SMS messages from us at any time by replying STOP to any message you receive. After opting out, you will no longer receive text messages from our SMS program unless you opt in again. For assistance, reply HELP or contact our support team.
11. Data Rates Disclosure
Message and data rates may apply to each text message sent or received, as provided in your mobile phone service plan. Charges are billed and payable to your mobile service provider. Message frequency may vary.
12. Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages.
13. Age Restriction (18+)
By opting in to receive SMS messages, you confirm that you are at least 18 years of age or have permission from a parent or legal guardian to participate in our messaging program.
If you have questions about the Terms & Conditions, please contact us at:
Email: [email protected]
Address: 4480 w Peoria ave suite 104 Glendale AZ 85302
Phone: 1866-IGOTGRACE