Terms & Conditions
Terms and Conditions
Effective Date: October 13, 2025
Last Updated: October 13, 2025
Acceptance of Terms
Welcome to PacWest Agency. By accessing or using our website www.pacwestagency.com, submitting any forms, requesting insurance quotes, or using any of our services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.
Use of Our Services
Eligibility
You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into a binding agreement.
Accurate Information
You agree to provide accurate, current, and complete information when submitting forms or requesting insurance quotes. Providing false or misleading information may result in denial of services and could constitute insurance fraud.
Authorized Use
You agree to use our website and services only for lawful purposes and in accordance with these Terms and Conditions. You may not use our services to engage in any fraudulent, abusive, or otherwise illegal activity.
SMS Text Messaging and Communications Consent
Express Written Consent for Text Messages
By providing your phone number and submitting a form on our website, you expressly consent to receive text messages (SMS) and phone calls from PacWest Agency, our agents, and our affiliated insurance carriers. This consent applies even if your phone number is registered on any state or federal Do Not Call list.
Types of Messages You May Receive
You may receive the following types of text messages and calls:
Insurance quotes and policy information
Appointment reminders and confirmations
Follow-up communications regarding your insurance inquiry
Marketing messages about insurance products and services
Important updates about your insurance applications or policies
Administrative messages related to your account
Message Frequency
Message frequency varies depending on your interactions with us. You may receive multiple messages per week during active quote processes or follow-up periods.
Standard Messaging Rates
Standard message and data rates may apply based on your mobile carrier's plan. PacWest Agency is not responsible for any charges you may incur from your mobile carrier.
Opt-Out Instructions
You can opt out of receiving text messages at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any text message you receive from us. After you opt out, you will receive one final confirmation message. Please note that opting out of marketing messages does not opt you out of important transactional or administrative messages related to your active insurance quotes or policies.
Help and Support
For help or support, reply HELP to any text message, or contact us directly at the information provided at the end of these Terms and Conditions.
TCPA Compliance
We comply with the Telephone Consumer Protection Act (TCPA) and all applicable federal and state telecommunications laws. Your consent to receive text messages and calls is voluntary and not a condition of purchasing any goods or services from us, though it may be necessary to facilitate insurance quotes and services you have requested.
Email Communications Consent
Consent to Receive Emails
By providing your email address and submitting a form on our website, you consent to receive emails from PacWest Agency, including promotional emails, newsletters, insurance quotes, policy information, and other communications related to our services.
Types of Emails You May Receive
Insurance quotes and proposals
Policy documents and updates
Educational content about insurance products
Marketing and promotional offers
Appointment confirmations
Account and administrative notifications
Unsubscribe Instructions
You may unsubscribe from marketing emails at any time by clicking the "unsubscribe" link at the bottom of any marketing email or by contacting us directly. Please note that even if you unsubscribe from marketing emails, you will still receive transactional and administrative emails related to your insurance quotes, applications, or policies.
Insurance Services
No Guarantee of Coverage
PacWest Agency acts as an insurance agent and facilitates connections between clients and insurance carriers. We do not guarantee that you will qualify for any specific insurance coverage or rates. All insurance applications are subject to underwriting approval by the insurance carriers.
Quote Accuracy
While we strive to provide accurate insurance quotes, final rates and coverage terms are determined by the insurance carriers during the underwriting process. Quotes provided are estimates and may change based on additional information provided during the application process.
Independent Contractor Relationship
PacWest Agency operates as an independent insurance agent. We are not employees of any insurance carrier and represent multiple insurance companies to provide you with competitive options.
Intellectual Property
All content on the PacWest Agency website, including text, graphics, logos, images, and software, is the property of PacWest Agency or its content suppliers 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 express written permission.
Third-Party Links and Services
Our website may contain links to third-party websites or services that are not owned or controlled by PacWest Agency. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. You access third-party websites at your own risk and should review their terms and conditions and privacy policies.
Limitation of Liability
To the fullest extent permitted by law, PacWest Agency and its officers, directors, employees, and agents 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, including but not limited to loss of profits, data, or business opportunities.
In no event shall our total liability to you exceed the amount you paid to us for services, if any, or one hundred dollars, whichever is greater.
Disclaimer of Warranties
Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.
We make no warranties regarding the accuracy, reliability, or completeness of any information provided through our services. You use our services at your own risk.
Indemnification
You agree to indemnify, defend, and hold harmless PacWest Agency and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of our services, your violation of these Terms and Conditions, or your violation of any rights of another party.
Privacy and Data Protection
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
Recording of Calls
For quality assurance, training, and compliance purposes, we may record phone calls between you and PacWest Agency representatives. By engaging in phone conversations with us, you consent to such recording.
Changes to Terms and Conditions
We reserve the right to modify these Terms and Conditions at any time. We will notify you of any material changes by posting the updated terms on our website and updating the "Last Updated" date at the top of this page. Your continued use of our services after any changes constitutes your acceptance of the new Terms and Conditions.
Dispute Resolution and Governing Law
Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the state where PacWest Agency is headquartered, without regard to its conflict of law provisions.
Informal Resolution
In the event of any dispute arising out of or relating to these Terms and Conditions, you agree to first contact us to attempt to resolve the dispute informally.
Arbitration
If we cannot resolve a dispute informally, any dispute shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in the state where PacWest Agency is headquartered. You waive your right to participate in a class action lawsuit or class-wide arbitration.
Severability
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and PacWest Agency regarding your use of our services and supersede any prior agreements or understandings.
Contact Information
If you have any questions about these Terms and Conditions, please contact us:
PacWest Agency
Website: www.pacwestagency.com
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, including our policies regarding SMS text messaging and email communications.