1. Acceptance of Terms

By accessing or using the Carmar Insurance Agency website, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these Terms, please do not use the website.

2. Informational Purposes Only

The content on this website is provided for general informational purposes only and does not constitute legal, tax, financial, or professional advice. You should consult appropriate professionals for advice tailored to your situation.

3. No Binding Coverage or Policy Changes

Submitting information through this website, by email, or by phone does not bind coverage, change coverage, or guarantee the issuance of an insurance policy. Coverage is not effective until it is approved by the insurance carrier and confirmed in writing by an authorized representative.

4. User Responsibilities

You agree not to use this website for any unlawful purpose or in a way that may harm, disrupt, or interfere with the website or its security. You agree not to submit false, misleading, or incomplete information.

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and downloadable materials, is the property of Carmar Insurance Agency or its licensors and is protected by
copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.

6. Third-Party Links

This website may include links to external websites that are not operated by us. We are not responsible for the content, security, or privacy practices of those websites and provide such links for convenience only.
Last Updated: 11/17/2025

7. Limitation of Liability

To the fullest extent permitted by law, Carmar Insurance Agency and its officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of this website.

8. No Warranties

This website and all content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Governing Law

These Terms & Conditions are governed by the laws of the State of California, without regard to its conflict of law principles.

10. Contact Information

If you have any questions regarding these Terms & Conditions, please contact us at [email protected] or 562-803-4000.