Terms of Service

1. Agreement to Terms

By accessing or using the website orozcoinsurance.com ("Site") or any services provided by Orozco Insurance Agency ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Site or services.

2. Services

Orozco Insurance Agency is a licensed independent insurance agency located in Salinas, California. We provide insurance brokerage services, helping clients compare and obtain insurance policies from multiple carriers. Our services include but are not limited to auto, home, life, health, and business insurance.

We are not an insurance company. We act as an intermediary between you and insurance carriers. All insurance policies are issued by the respective insurance carriers, and coverage is subject to the terms and conditions of each carrier's policy.

3. Quote Requests

When you submit a quote request through our Site, you agree to provide accurate and complete information. The quotes provided are estimates only and are subject to change based on verification of the information you provide, underwriting review by the insurance carrier, and other factors. A quote is not a guarantee of coverage or price.

4. SMS/Text Messaging Terms

By providing your phone number and consenting to receive text messages from Orozco Insurance Agency, you agree to the following:

• Program Description: Orozco Insurance Agency sends text messages related to insurance quotes, policy updates, appointment reminders, renewal notifications, and general service communications.
• Consent: By submitting the quote form on our website with the SMS consent checkbox selected, by verbally consenting during a phone call with our office or AI assistant, or by texting our business number, you consent to receive text messages from Orozco Insurance Agency.
• Message Frequency: Message frequency varies based on your interactions and policy status. You may receive up to 10 messages per month.
• Message and Data Rates: Message and data rates may apply. Check with your mobile carrier for details about your text messaging plan.
• Opt-Out: You can opt out of receiving text messages at any time by replying STOP to any message. You will receive a confirmation message and will no longer receive texts from us.
• Help: For help, reply HELP to any message or contact us at (831) 273-5505 or ivan@orozcoinsurance.com.
• Supported Carriers: Compatible with most major US carriers including AT&T, T-Mobile, Verizon, Sprint, and others.

5. AI-Powered Communications

Orozco Insurance Agency uses AI-powered technology to assist with phone calls, appointment scheduling, and customer service. When you call our office number, you may be greeted by an AI assistant named "Maria." The AI assistant can help with scheduling appointments, answering general questions, and routing your call. An AI disclosure will be provided at the beginning of each call. You may request to speak with a human agent at any time.

6. Intellectual Property

All content on this Site, including text, graphics, logos, and images, is the property of Orozco Insurance Agency and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content without our written permission.

7. Limitation of Liability

Orozco Insurance Agency provides this Site and its services on an "as is" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any information provided. We are not liable for any damages arising from your use of this Site or reliance on information provided.

8. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

9. Contact Information

If you have questions about these Terms of Service, contact us at: