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Legal Disclaimer
These terms were last updated on February 6, 2009.

These terms of use ("Legal Terms") describe the terms and conditions applicable to your access and use of the Del Dios Insurance Services web site (the "Web Site"). By using this Web Site, you are accepting and agreeing to these Legal Terms. If you do not agree to all of these Legal Terms, do not use this Web Site.

This web site is operated as a convenience to the customers and prospects of our agency.

Nothing in this site shall be construed as having been implicitly or explicitly approved by any insurance carrier.

No coverage may be bound or placed in force through this web site. Coverage may only be bound upon direct communication with our agency. DO NOT cancel existing coverage until notified by us that changes and/or new coverage is in force.

Quotes are subject to underwriting approval.

This web site is provided on an 'as is' basis. It is provided as a 'general information only' site. To the extent permitted by law, our agency disclaims any and all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

Scope of Use

Del Dios Insurance Services invites you to view this Web Site for your informational, non-commercial use. You may not store, modify, reproduce, transmit, distribute, repost, publicly display or otherwise use any content on this Web Site, or the design or layout of the Web Site or individual sections of it, in any form or media except with the express prior written permission of Del Dios Insurance Services. The commercial use, reproduction, reposting, public display, transmission or distribution of any information, software, logo or other material available through the Web Site without the prior written consent of Del Dios Insurance Services is strictly prohibited.

You understand that Del Dios Insurance Services may, at any time, for any reason and without notice, discontinue, change or restrict your use of this Web Site and make changes in the products and/or services described in this Web Site.

Eligibility for Insurance Products and Services

Not all of the products or services described on this Web Site are available, and you may not be eligible for all of the insurance products or services described in this Web Site. You are subject to the underwriting process and must be accepted by the insurance company. Do not cancel any existing health, auto, home, business or other insurance until you receive written confirmation from the insurance company, which you are applying for, stating that your new policy is in effect.

No Professional Advice

The information available on the Web Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting or other professional advice, and is not tailored to your specific circumstance. You should evaluate all information, opinions and advice available on this Web Site in consultation with your insurance specialist.

No Warranties

The Web Site, any content, opinions or advice on the Web Site, and any products or services available through the Web Site (collectively, "Materials") are provided to you on an "as is," "as available" basis without warranty of any kind either express or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, systems integration, accuracy, and non-infringement. These Materials include online calculators available through the Web Site. Del Dios Insurance Services does not endorse and make no warranty as to the accuracy, completeness, currency, or reliability of the Materials. Del Dios Insurance Services makes no representations or warranties that use of the Materials will be uninterrupted or error-free. You are responsible for taking all necessary precautions to ensure that any Materials you may obtain are free of viruses or any other harmful components. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for the governing terms.

Limitation of Liability

Your use of the Materials is at your own risk. Del Dios Insurance Services specifically disclaims any liability, whether based in contract, tort, negligence, strict liability or otherwise, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to, use of or reliance on the Materials (even if one of our agents or employees or owners has been advised of the possibility of such damages) or that arise in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, interruptions in telecommunications connections to the Web Site or viruses that may infect your computer equipment or other property, whether caused in whole or in part by negligence, acts of God, telecommunications failure, theft or destruction of, or unauthorized access to the Web Site or the Materials.

Copyright

This Web Site is protected by U.S. and foreign copyright laws except as expressly provided under "Scope of Use" section above. You may not use, reproduce, modify, transmit, distribute, publicly display or perform this Web Site without Del Dios Insurance Services' prior written permission.

Visitor Submissions

By providing information or materials to this Web Site other than personal information, you grant to Del Dios Insurance Services an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. You agree not to submit or transmit any e-mails or materials through the Web Site that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws. Del Dios Insurance Services shall not sell or trade any personal information provided.

  Third-Party Services  

Any services offered by third parties through this Web Site, Del Dios Insurance Services is not and will not be responsible for (i) the terms and conditions of any transaction between you and any such third party, (ii) any insufficiency of or problems with any such third party's background, insurance, credit or licensing, (iii) the quality of services performed by any such third party or (iv) any other legal liability arising out of or related to the performance of such services. Because we are not involved in the actual transaction between you and any such third party, in the event you have a dispute with any such third party, you release Del Dios Insurance Services and its affiliates, agents, and employees from any and all claims arising out of or in any way connected with such disputes. If you are a California resident, you waive the California Civil Code 1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

Links

Del Dios Insurance & Risk Management Services offers links to other web sites operated by other entities as a convenience to you. Del Dios Insurance Services makes no representation regarding the content or accuracy of any web site that you may access through this one. Del Dios Insurance Services does not monitor and is not responsible for the content found on other web sites that are linked from this Web Site. Inclusion of these links on Del Dios Insurance Services' Web Site does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s) and not Del Dios Insurance Services.

Unless otherwise set forth in a written agreement between you and a Del Dios Insurance Services, you must adhere to Del Dios Insurance Services linking policy as follows: (i) any link to the Web Site must be a text only link clearly marked "protectyourdreams.com," (ii) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with Del Dios Insurance Services ' names and trademarks, (iii) the link must "point" to the URL (www.protectyourdreams.com ) and not to other pages within the Web Site, (iv) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with Del Dios Insurance Services, (v) when selected by a user, the link must display the Web Site on full-screen and not within a "frame" on the linking web site, and (vi) Del Dios Insurance Services reserves the right to revoke its consent to the link at any time and in its sole discretion.

Employment Opportunities

Del Dios Insurance Services is committed to the principles of equal employment opportunity. Applications are considered for all positions without regard to race, sex, sexual orientation, color, religion, national origin, age, disability (so long as such disability can be reasonably accommodated) or any other status protected by applicable law. Del Dios Insurance Services encourages all qualified applicants to apply.

E-mail

E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any personal or confidential information.

Violations and Additional Policies

Del Dios Insurance Services reserves the right to seek all remedies available at law and in equity for violations of the rules and regulations set forth in this Web Site, including the right to block access from a particular Internet address to the Web Site. Our policies regarding privacy are incorporated into these Legal Terms by reference. Del Dios Insurance Services does not intend to market any products or services to children and does not knowingly collect personal information from children under the age of 13 through this Web Site.

Governing Law, Location and Miscellaneous

These Legal Terms shall be governed in all respects by the laws of the State of California USA, without reference to its choice of law rules. The Web Site is operated by Del Dios Insurance Services in San Diego, California. Del Dios Insurance Services makes no representation that the content of this Web Site is appropriate or available for use in other locations, and access to this Web Site from territories where the content of this Web Site may be illegal is prohibited. Those who choose to access this Web Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. These Legal Terms and all documents incorporated herein by reference constitute the entire agreement between Del Dios Insurance Services and you with respect to this Web Site.

Disclosures

This web site is not an Insurance Company or medical group. This website does not offer medical or professional medical advises, tax advises, legal advises. All information on this website has no guarantee or accuracies. It is your responsibility to confirm with carrier your own approval and coverage benefits. All coverage is subject the actual policy wording, endorsements, and declaration page(s) and all terms, conditions, limitations and exclusions therein. Any links of third party has their own privacy and disclaimer. Please read them when you travel from web site to web site.