Terms & Conditions

Effective Date: 08/05/2026

These Terms of Service govern your access to and use of Luis Ramos Insurance Agency, Inc. By using this website, submitting a form, calling, texting, emailing, or otherwise requesting services, you agree to these Terms. If you do not agree, you should not use these Services. 

SMS Program Description:

Luis Ramos Insurance Agency, Inc may send account notifications to visitors who opt in on a quote request form.

SMS consent is optional and is not required to submit a quote request. The information obtained as part of the SMS consent process, including phone numbers, will not be shared with third parties or affiliates for marketing purposes 

If you have consented to receive text messages from Luis Ramos Insurance Agency Inc, you may receive account notifications. 

Messaging frequency may vary 

Message & data rates may apply depending on your carrier's pricing plan. 

You may opt in to receive SMS messages from Luis Ramos Insurance Agency, inc by entering your phone number on a quote request form and checking the optional SMS consent checkbox located below the Phone field. The checkbox is unchecked by default and is not required.  

 Reply STOP to opt-out. 

Reply HELP for support.  

Message & data rates may apply.

Messaging frequency may vary.

Reply STOP to opt-out.

Reply HELP for support.

Privacy Policy URL: https://www.luisramosagency.com/privacy-policy 

Terms of Service URL: https://luisramosagency.com/terms-and-conditions

Luis Ramos Insurance Agency Inc provides customer service, sales support, insurance guidance, quote assistance, auto registration services, tax preparation services and related customer assistance. Use of the Services is subject to these Terms and all applicable laws..

To use our Services, you must be at least 18 years old and capable of forming a binding contract under applicable law. Providing false, inaccurate, or misleading information during registration, quote requests, service requests, or other communications may result in refusal, suspension, or termination of service.

We value your privacy. We do not sell, rent, or share your personal information with third parties for their marketing or commercial purposes.

Your information may be used to respond to inquiries, provide customer support, process quote or service requests, improve our Services, and communicate with you as described in our Privacy Policy.

You may use our Services only for lawful purposes. You agree not to:

• Violate any applicable laws or regulations.
• Use the Services to submit fraudulent, misleading, abusive, or unlawful information.
• Misuse the Services to send spam, malware, or other harmful content.
• Attempt to disrupt, damage, overload, or interfere with the website, systems, services, or related infrastructure.

Certain Services may require payment. Any applicable fees will be disclosed during the service request, registration, appointment, quote, or payment process.

Failure to make timely payments may result in suspension, delay, or termination of access to certain Services.

All content, branding, text, images, graphics, logos, website materials, and other intellectual property related to the Services remain the property of Luis Ramos Insurance Agency, Inc or their respective owners.

You may not copy, modify, reproduce, publish, distribute, or use materials from the Services without prior written consent.

We reserve the right to suspend, refuse, or terminate access to the Services if you violate these Terms, submit false information, misuse the Services, or engage in unlawful or harmful behavior.

Termination may occur without prior notice in cases of serious violations. 

To the maximum extent permitted by law, Luis Ramos Insurance Agency, Inc is not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Services.

Information provided through the website, forms, calls, texts, emails, or other communications is for general assistance and service coordination purposes. Coverage, eligibility, pricing, policy terms, and service availability may vary and are subject to confirmation by the appropriate provider, agency, carrier, or licensed professional.

We may update these Terms at any time. Updates will be posted on this page with a revised effective date.

Your continued use of the Services after changes are posted means you accept the updated Terms.

These Terms are governed by the laws of the State of California. Any disputes arising under these Terms will be handled in the appropriate courts located in Orange County, California, unless otherwise required by law. 

For questions about these Terms or our Services, please contact:

Luis Ramos Insurance Agency, Inc

Phone: (714)451-2461

Email: info@luisramosagency.com

Address: 1203 S. Western Ave. Anaheim, CA 92804

CA License: #0G05662

By accessing or using our Services, you acknowledge that you have read, understood, and agree to these Terms.

By opting into SMS through a web form or other communication channel, you agree to receive SMS messages from Luis Ramos Insurance Agency, Inc. These messages may include conversational messages (external). Message frequency may vary. Message and data rates may apply.

For more information, please review our Privacy Policy at https://luisramosagency.com/privacy-policy

Reply HELP for assistance or STOP to opt out of receiving SMS messages.