Terms of Use

Welcome to Bright Oaks Insurance. By accessing or using our website and services, you agree to be bound by these Terms of Use. Please read them carefully before proceeding. By using our website, requesting a quote, or purchasing an insurance policy through Bright Oaks Insurance, you acknowledge that you have read, understood, and agree to comply with these Terms of Use. If you do not agree with any part of these terms, you should not use our services.

You agree to use our website and services only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this site by any third party. You may not use our website in any way that violates applicable laws or regulations, attempt to gain unauthorized access to our systems or networks, transmit any harmful or malicious code including viruses or malware, use automated systems or software to extract data from our website, or impersonate any person or entity or misrepresent your affiliation with any person or entity.

When you request a quote or apply for an insurance policy through Bright Oaks Insurance, you agree to provide accurate, complete, and truthful information. Providing false or misleading information may result in denial of coverage, cancellation of your policy, or denial of a claim. Requesting a quote does not guarantee that you will be approved for coverage. Final approval is subject to underwriting review and acceptance by the insurance carrier. Your insurance policy is a contract between you and the insurance carrier. The specific terms, conditions, exclusions, and limitations of your coverage are outlined in your policy documents. Please review your policy carefully and contact us if you have any questions.

All prices quoted on our website are subject to change without notice. We strive to provide accurate pricing information, but errors may occur. If we discover a pricing error after you have placed an order, we will notify you and give you the option to proceed at the correct price or cancel your order. Payment for insurance premiums is due according to the terms specified in your policy. Failure to make timely payments may result in suspension or cancellation of your coverage.

To file a claim, please contact your assigned agent or our customer support team. Claims are subject to the terms, conditions, and exclusions outlined in your insurance policy. We will work with you to process your claim as quickly and fairly as possible. All content on our website, including text, graphics, logos, images, and software, is the property of Bright Oaks Insurance or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Our website may contain links to third-party websites. These links are provided for your convenience only, and we do not endorse or assume any responsibility for the content, privacy policies, or practices of any third-party sites. Our website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or availability of our website or services. We do not guarantee that our website will be uninterrupted, secure, or free from errors.

To the fullest extent permitted by law, Bright Oaks Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability to you for any claim arising from your use of our services shall not exceed the amount you paid for the service in question. You agree to indemnify, defend, and hold harmless Bright Oaks Insurance, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our website or services, your violation of these Terms of Use, or your violation of any rights of another party.

Any dispute arising out of or related to these Terms of Use or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in a class action lawsuit or class-wide arbitration. These Terms of Use are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

We reserve the right to modify these Terms of Use at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website or services after any changes constitutes your acceptance of the revised terms. We reserve the right to suspend or terminate your access to our website or services at any time, without notice, if we believe you have violated these Terms of Use or engaged in conduct that we deem inappropriate or harmful.

If you have any questions or concerns about these Terms of Use, please contact us at [email protected] or call us at +1 (408) 877-9858. Our office is located at 2550 Walsh Avenue, Santa Clara, CA 95051.