Terms and Conditions

Terms and Conditions for Insurance Express Services Inc.

Effective Date: January 1, 2025

1. Introduction Welcome to Insurance Express Services Inc. ("Company," "we," "our," or "us"). These Terms and Conditions govern your use of our website, www.insuranceexpressus.com ("Website"), and our services. By accessing our Website or using our services, you agree to comply with and be bound by these Terms and Conditions.

2. Services Provided Insurance Express Services Inc. provides insurance brokerage services, including but not limited to auto insurance policies, consultation, and policy management. We reserve the right to modify, update, or discontinue our services at any time without prior notice.

3. Eligibility To use our services, you must:

  • Be at least 18 years old.

  • Provide accurate and complete personal information.

  • Agree to these Terms and Conditions.

4. User Responsibilities You agree to:

  • Use our services for lawful purposes only.

  • Provide accurate and truthful information when applying for insurance or requesting quotes.

  • Keep your login credentials confidential and notify us of any unauthorized use.

You agree not to:

  • Misuse our services for fraudulent activities.

  • Use automated systems to access our Website.

  • Distribute harmful software or engage in activities that may disrupt our services.

5. Payment and Fees All fees and payments for insurance policies or related services are due as per the terms specified in your agreement. Payments must be made through accepted methods. We reserve the right to change our pricing and payment terms at any time.

6. SMS Communications and Consent By providing your phone number, you consent to receive SMS communications from us regarding policy updates, reminders, and service notifications. You may opt-out at any time by replying STOP. Message and data rates may apply.

For further details, refer to our Privacy Policy.

7. Limitation of Liability Insurance Express Services Inc. is not responsible for:

  • Any errors or inaccuracies in the information provided by third-party insurance providers.

  • Losses or damages resulting from the use of our services, except as required by law.

  • Service disruptions due to circumstances beyond our control, including but not limited to cyber-attacks, natural disasters, or system failures.

8. Cancellation and Refund Policy

  • Policy cancellations are subject to the terms of the insurance provider.

  • Refunds, if applicable, are processed according to the insurer’s guidelines.

  • Service fees paid to Insurance Express Services Inc. are non-refundable unless stated otherwise.

9. Intellectual Property All content on our Website, including logos, text, images, and trademarks, is the property of Insurance Express Services Inc. and is protected by intellectual property laws. You may not reproduce, modify, or distribute our content without written permission.

10. Termination of Services We reserve the right to suspend or terminate your access to our services if you violate these Terms and Conditions or engage in fraudulent or abusive behavior.

11. Changes to Terms and Conditions We may update these Terms and Conditions at any time. Any changes will be posted on this page with an updated effective date. Your continued use of our services constitutes acceptance of the revised terms.

12. Governing Law These Terms and Conditions are governed by the laws of the State of [Insert State], without regard to its conflict of law principles.

13. Contact Us If you have any questions regarding these Terms and Conditions, please contact us at:

Insurance Express Services Inc.
4200 Concours St #345, Ontario, CA 91764
Phone: 949-403-8499
Email: joal@insuranceexpressus.com

By using our services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.

“SMS Terms And Conditions”


2.1 SMS For Consent Communication
The Phone Numbers obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
2.2 Types of SMS Communications If you have consented to receive text messages from Insurance Express Services Inc., you may receive text messages related to: (Appointment reminders, meetings, and follow-up on cases.)
For Example: Hello Thank you for contacting Insurance Express Services Inc., how can we help you? Reply Stop to opt-out at any time. Message and data rates may apply, for assistance, text Help" or visit our [Privacy Policy URL] and [Terms of Service]
2.3 Message Frequency: Our SMS message frequency will be from 50 to 1000 text messages daily across all users.
2.4 Potential Fees for SMS Messaging: Many carriers charge a fee for each message sent or received. This can vary depending on the carrier's pricing structure and whether the message is sent domestically or internationally.
2.5 Opt-In Method: Customer will Opt-In for SMS messaging from Insurance Express Services Inc. through intake forms on their website located at (www.insuranceexpressus.com), this agreement for SMS will not be shared with third parties for marketing purposes.
2.6 Opt-out: Customer will be able to opt out of SMS messaging from Insurance Express Services Inc. by replying STOP at any time to any received SMS message, once opted-out they will receive no further SMS communication. They can Opt back In at any time by replying START