Legal terms governing the use of our insurance services and website. Please read carefully.
Last Updated: January 8, 2025
By accessing and using the Urban Trust Insurance website ("Site") and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Urban Trust Insurance ("Company," "we," "us," or "our").
Permission is granted to temporarily download one copy of the materials on Urban Trust Insurance' website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Urban Trust Insurance at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
Urban Trust Insurance acts as an independent insurance agency. We represent multiple insurance carriers and work to find suitable coverage for our clients. We are not employees or exclusive agents of any single insurance company.
Urban Trust Insurance is licensed to sell insurance in the state of California. All agents are properly licensed and appointed with the insurance carriers they represent.
Insurance quotes provided are estimates based on the information you provide. Final rates and coverage terms are determined by the insurance carrier upon completion of the underwriting process. Quotes are not guarantees of coverage or final pricing.
Insurance coverage is not bound until:
You agree to provide accurate, complete, and truthful information when:
You must promptly notify us of any material changes that may affect your insurance coverage, including but not limited to:
You are responsible for paying insurance premiums when due. Failure to pay premiums may result in policy cancellation or non-renewal.
The materials on Urban Trust Insurance' website are provided on an 'as is' basis. Urban Trust Insurance makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
Urban Trust Insurance does not warrant that:
In no event shall Urban Trust Insurance or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Urban Trust Insurance' website, even if Urban Trust Insurance or an authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Urban Trust Insurance or its content suppliers and is protected by copyright laws.
The Urban Trust Insurance name and logo are trademarks of Urban Trust Insurance. All other trademarks, service marks, and trade names are the property of their respective owners.
You may not use our services or website:
You agree to defend, indemnify, and hold harmless Urban Trust Insurance, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations.
You may terminate your use of our services at any time by providing written notice. Termination of services does not automatically cancel existing insurance policies.
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
These Terms shall be interpreted and governed by 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 of California.
If any provision of these Terms is deemed invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.
These Terms, together with our Privacy Policy and any other legal notices published by us on the Site, shall constitute the entire agreement between us concerning the Site and services.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
Your continued use of the Site after we post any modifications to the Terms on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Terms.
If you have any questions about these Terms and Conditions, please contact us:
Address: 123 Insurance Blvd, Los Angeles, CA 90210
Phone: +1 (555) INSURE-1
Email: legal@urbantrustinsurance.com
Business Hours: Monday-Friday, 8:00 AM - 6:00 PM PST
These Terms and Conditions are effective as of January 8, 2025. By using our services, you acknowledge that you have read, understood, and agree to be bound by these terms.