Terms of Service – Pacific Direct Insurance

Effective Date: May 4, 2025

1. Acceptance of Terms

By accessing or using the website of Pacific Direct Insurance (“Company,” “we,” “us,” or “our”), located at https://www.pacificdirectinsurance.com (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not access or use the Site.

2. Scope of Services

Pacific Direct Insurance provides general information about insurance products and services offered in California. The Site may allow users to request information, submit quote requests, or contact the company. Nothing on this Site constitutes a binding offer to sell insurance or a guarantee of coverage. Final terms of any insurance policy are governed solely by the policy itself and underwriting decisions.

3. No Legal or Financial Advice

The information provided on this Site is for general informational purposes only. It does not constitute legal, financial, or tax advice and should not be relied upon as such. Always consult with a licensed professional regarding your individual circumstances before making any insurance decisions.

4. User Responsibilities

By using this Site, you agree to:

• Provide accurate, complete, and current information when submitting any form or communication;
• Use the Site in a manner consistent with all applicable laws and regulations;
• Not interfere with the security or integrity of the Site or its content;
• Not attempt to access restricted areas or data without proper authorization.

5. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, icons, images, and software, is the property of Pacific Direct Insurance or its licensors and is protected under U.S. and international copyright laws. Unauthorized use, reproduction, or distribution of this content is prohibited.

6. Links to Third-Party Websites

This Site may contain links to third-party websites for informational or convenience purposes. We do not control or endorse the content or practices of those sites and are not responsible for their availability, accuracy, or any loss or damage arising from your use of such websites.

7. Privacy

Your use of the Site is also governed by our Privacy Policy. Please review it to understand how we collect, use, and safeguard your information.

8. Disclaimer of Warranties

This Site is provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that the Site will be uninterrupted, secure, or free of errors or viruses.

9. Limitation of Liability

To the fullest extent permitted by law, Pacific Direct Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless Pacific Direct Insurance and its affiliates, officers, employees, and agents from any claims, liabilities, damages, or expenses (including reasonable attorneys’ fees) arising from your use of the Site or your violation of these Terms.

11. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action arising from your use of the Site shall be filed in a state or federal court located in Orange County, California.

12. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes are effective immediately upon posting to the Site. Continued use of the Site after such changes constitutes your acceptance of the revised Terms.

13. Contact Information

If you have any questions about these Terms or our website, you may contact us at:

Pacific Direct Insurance
2230 W Chapman Ave Ste. 235
Orange, CA 92868
(714) 447-4715