Terms of Use

Effective Date: May 22, 2026

Agreement to Terms

These Terms and Conditions (“Terms”) govern your use of the DeFazio Insurance Brokerage website located at defazioinsurance.com and your interactions with our brokerage services, including any SMS communications you opt into. By accessing our website or submitting any form, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our website or submit your information.

Services Provided

DeFazio Insurance Brokerage is an independent insurance brokerage licensed in the state of California. We assist individuals and families in comparing and obtaining insurance coverage from A and A+ rated carriers. Our services include, but are not limited to:

• Life insurance consultations and policy placement
• Mortgage protection and equity protection solutions
• Indexed Universal Life (IUL) policy guidance
• Final expense and guaranteed issue whole life insurance
• Annuity and health insurance planning

Website Use

You agree to use this website only for lawful purposes and in a manner that does not infringe on the rights of others. You may not:

• Submit false or misleading information in any form on this website.
• Use automated tools to scrape, crawl, or copy content from this website.
• Attempt to gain unauthorized access to any portion of the website or its related systems.
• Use the website in any way that could damage, disable, or impair its operation.

No Insurance Advice

Information provided on this website is for general informational purposes only and does not constitute professional insurance, financial, or legal advice. Coverage availability, terms, and pricing are subject to underwriting approval and vary by carrier. Always consult with a licensed insurance professional before making coverage decisions.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of DeFazio Insurance Brokerage or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this website without our prior written permission.

Third-Party Links

Our website may contain links to external websites. DeFazio Insurance Brokerage is not responsible for the content, accuracy, or privacy practices of any third-party websites. Linking to an external site does not constitute an endorsement of that site or its content.

Limitation of Liability

To the fullest extent permitted by law, DeFazio Insurance Brokerage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services, including but not limited to errors or omissions in website content, unavailability of the website, or reliance on information provided.

Indemnification

You agree to indemnify, defend, and hold harmless DeFazio Insurance Brokerage, its agents, and employees from and against any claims, liabilities, damages, losses, and expenses arising out of your use of our website or violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Sacramento County, California.

Changes to These Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of our website after any changes constitutes your acceptance of the updated Terms.

Privacy Policy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices, including how we handle SMS opt-in information.