Effective as of: May 1, 2025
TERMS OF USE
Acceptance of the Terms of Use These Terms of Use are entered into by and between you and STPRO Insurance Services, LLC ("Company," "we," or "us"). These Terms of Use, together with any documents expressly incorporated by reference (collectively, "Terms of Use"), govern your access to and use of www.jensen-ins.com (the "Website"), including any content, functionality, and services offered through the Website, whether as a guest or a registered user.
Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound by these Terms of Use and our Privacy Policy incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.
This Website is offered and available to users who are 18 years of age or older and reside in the United States. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
Insurance Producer Disclosure The Company is licensed as an Insurance Producer in the State of California. California Department of Insurance License Number: 6015351. You may verify our license status by visiting the California Department of Insurance website at www.insurance.ca.gov.
Insurance transactions conducted through this Website are subject to regulation by the California Department of Insurance. This Website and related insurance marketing and services are intended only for residents of California. No insurance coverage may be bound, altered, or canceled via the Website. Binding or changes to coverage require direct confirmation by an authorized representative of the Company. Submission of information through the Website does not constitute acceptance of insurance coverage.
All insurance applications are subject to underwriting approval by the issuing insurance carrier. Terms, conditions, limitations, and exclusions apply and are governed by the specific policy issued. We do not guarantee acceptance into any insurance program.
Carrier-Specific Terms Insurance products offered may vary by carrier and by individual client circumstances. All descriptions of coverage are general and are not binding. For exact terms and conditions, please refer to the actual policy issued by the insurance carrier. Carrier underwriting guidelines, eligibility rules, and rates are subject to change without notice.
No Legal or Tax Advice The information on this Website is for informational purposes only and is not intended as legal, tax, investment, or financial advice. You should consult your own attorney, tax advisor, or financial advisor regarding your specific situation.
Electronic Communications Consent By providing your information through the Website, you consent to receive communications electronically from us regarding your inquiries, policy servicing, and marketing information. You may opt out of marketing communications at any time, though you may still receive service-related communications.
Accessibility Commitment At Company, we are committed to ensuring that our website is accessible to individuals with disabilities and is designed to meet the standards under the Americans with Disabilities Act (ADA) and other accessibility laws.
We strive to make our website user-friendly and accessible for all visitors, regardless of disability or technology. To that end, we are continually working to improve the accessibility and usability of our website, following standards and guidelines such as the Web Content Accessibility Guidelines (WCAG) 2.1.
If you experience any difficulty accessing any part of our website, or if you need assistance with any part of our services, we encourage you to contact us directly so that we can assist you.
You may reach us by:
Email: info@jensen-ins.com Phone: (858)366-4941 Mailing Address: 1084 N El Camino Real Suite B #230, Encinitas, CA 92024.
Please specify the nature of the accessibility issue you encountered, the web page or content involved, and your contact information. We will make all reasonable efforts to address your concerns promptly.
Changes to the Terms of Use We may revise and update these Terms of Use from time to time at our sole discretion. All changes are effective immediately when posted and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes.
Accessing the Website We reserve the right to withdraw or amend this Website, and any service or material provided on the Website, without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period.
Intellectual Property Rights The Website and its entire contents are owned by the Company, its licensors, or other providers of such material and are protected by intellectual property laws.
Prohibited Uses You may use the Website only for lawful purposes and in accordance with these Terms of Use.
Reliance on Information Posted The information presented on or through the Website is made available solely for general informational purposes and is not intended to constitute legal, tax, or insurance advice. Any reliance you place on such information is strictly at your own risk.
Changes to the Website We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date.
Information About You and Your Visits to the Website All information collected on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
Linking to the Website and Social Media Features You may link to our homepage, provided you do so in a fair and legal way that does not damage our reputation, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express written consent.
This Website may provide certain social media features that enable you to:
Link from your own or certain third-party websites to certain content on this Website.
Send emails or other communications with certain content, or links to certain content, on this Website.
Cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.
You may use these features solely as they are provided by us and solely with respect to the content they are displayed with, and otherwise in accordance with any additional terms and conditions we provide.
We reserve the right to withdraw linking permission without notice.
Links from the Website If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. Access to any third-party websites linked to this Website is entirely at your own risk.
Geographic Restrictions The Company is based in the State of California. We provide this Website for use only by persons located in the United States. Insurance services offered through the Website are specifically limited to residents of California.
Disclaimer of Warranties You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PROVIDED BY LAW, THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Limitation on Liability. TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Indemnification You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Website.
Governing Law and Jurisdiction All matters relating to the Website and these Terms of Use shall be governed by the laws of the State of California without regard to its conflict of laws principles. Any legal action shall be brought exclusively in the state or federal courts located in Orange County, California.
Arbitration By using this Website, you agree that any and all disputes, claims, or controversies arising out of or relating to your access to or use of the Website, any products or services provided through the Website, or these Terms of Use (collectively, “Disputes”) shall be resolved exclusively through final and binding arbitration, rather than in court, except as otherwise provided below.
The arbitration shall be conducted in Orange County, California, unless both parties agree otherwise in writing. Judgment on the arbitration award may be entered in any court with jurisdiction.
YOU AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A CLASS OR REPRESENTATIVE PROCEEDING.
By agreeing to arbitration, you understand and agree that you are waiving your right to a jury trial and to participate in a class action or class arbitration.
This section shall survive the termination of your use of the Website or any relationship with the Company.
Waiver and Severability If any provision of these Terms of Use is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
Entire Agreement These Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and the Company regarding the Website and supersede all prior understandings, agreements, representations, and warranties, both written and oral, regarding the Website.
Your Comments and Concerns This Website is operated by Company, a California licensed Insurance Producer. For any comments, feedback, or support inquiries, please contact us through the "Contact Us” page on the Website or email us at info@jensen-ins.com.