Welcome to Wallace Wong Insurance Agency (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, products, and services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please refrain from using our Services.

1. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this eligibility requirement.

2. Scope of Services

Wallace Wong Insurance Agency provides insurance-related products and services, including but not limited to policy quotes, consultations, and claims assistance. All Services are subject to availability and applicable legal and regulatory requirements.

3. User Responsibilities
When using our Services, you agree to:

Provide accurate, complete, and up-to-date information when requested.

Use our Services only for lawful purposes and in compliance with all applicable laws and regulations.

Refrain from impersonating any individual or entity or misrepresenting your affiliation with any person or entity.

You are solely responsible for any activity conducted through your account and for safeguarding your login credentials.

4. Insurance Quotes and Policies

Insurance quotes provided through our Services are estimates and are not binding offers. Final rates and coverage details are determined by the insurance carrier and may vary based on underwriting and other factors. It is your responsibility to review all policy terms and conditions before purchase.

5. Payment Terms

Payments for insurance premiums, fees, or related Services must be made as specified in your agreement with us or the applicable insurance carrier. Failure to make timely payments may result in the suspension or cancellation of your policy or Services.

6. Intellectual Property

All content, trademarks, logos, and materials provided through our Services are the intellectual property of Wallace Wong Insurance Agency or its licensors. You may not reproduce, distribute, or create derivative works based on our content without prior written consent.

7. Limitation of Liability

To the maximum extent permitted by law, Wallace Wong Insurance Agency shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of our Services. Our total liability for any claims related to our Services shall not exceed the amount paid by you for the Services in question.

8. Third-Party Services
Our Services may include links to third-party websites or integrations with third-party platforms. We are not responsible for the content, policies, or practices of any third-party services. Your use of third-party services is governed by their respective terms and conditions.

9. Termination

We reserve the right to terminate or suspend your access to our Services at any time, without notice, for any violation of these Terms or any other reason at our sole discretion.

10. Changes to These Terms

We may update these Terms from time to time. We will notify you of significant changes by posting the updated Terms on our website with the effective date. Your continued use of the Services constitutes acceptance of the updated Terms.