Terms of use

These terms were last updated on January 19, 2024.

Please read these terms of use carefully before using Cal-Solutions.com or the Cal-Solutions Mobile App. These terms of use (“Terms”) describe the terms and conditions applicable to your access and use of the website (the "Web Site") and the Mobile App (the “Mobile App”) (collectively the “Sites”), which are operated by and on behalf of Cal-Solutions ("Cal-Solutions," or “we,” “us,” or “our”). The “Mobile App” refers to the software provided by us to offer services related to our services and products to be used on Apple iOS and Android OS devices, including any upgrades and additional software or documentation.

By installing and using the Mobile App or using the Web Site, you are accepting and agreeing to these Terms. If you do not agree to all of these Terms, do not use the Web Site and/or the Mobile App, and uninstall the Mobile App. We may modify the Sites and these Terms at any time, so please check back when you use the Sites. By continuing use of the Sites after such changes are posted, you will be deemed to have accepted such changes.

Scope of Use

We invite you to view, use, copy, and download materials from the Sites for your informational, non-commercial use, provided that you leave all copyright notices or other proprietary notices intact. You may not otherwise store, modify, reproduce, transmit, distribute, repost, publicly display, or use any content on the Sites, or the design or layout of the Sites, in any form or media without our express prior written permission. You cannot:

- Decompile, reverse engineer, disassemble, or modify the Sites;
- Disable any licensing or control features of the Sites;
- Introduce any virus or other code intended to disrupt the Sites;
- Remove or alter any copyright or other proprietary legends on the Sites;
- Use the Sites or Materials in contravention of applicable laws or regulations.

You understand that we may, at any time and without notice, discontinue, change, or restrict your use of the Sites.

We value your privacy. Use of the Sites is governed by our applicable Privacy Policies. Please visit our Privacy Center to review our Privacy Policies.

Eligibility for Insurance Products and Services

Not all products or services described on the Sites are available in all geographic areas. We reserve the right to determine all eligibility for such products or services at our sole discretion.

No Professional Advice
The information available on the Sites is intended to be general information and not professional advice. You should evaluate all information on the Sites and consult a professional if needed.

No Warranties
The Sites and any products or services available through the Sites are provided "AS IS" and "AS AVAILABLE" without any warranties of any kind, either express or implied. We make no representations or warranties that use of the Sites will be uninterrupted or error-free.

Limitation of Liability

Your use of the Sites and all Materials is at your own risk. We specifically disclaim any liability for damages of any kind, including direct, indirect, incidental, or consequential damages that arise from your use of or reliance on the Sites.

Copyright, Trademarks & other Intellectual Property
The Sites are protected by copyright, trademark, and other intellectual property laws. The Cal-Solutions logo and related service marks are the property of Cal-Solutions or its affiliates. All other trademarks or service marks are the property of their respective owners.

Visitor Submissions
By submitting information or materials to the Sites, you grant us an unrestricted, irrevocable license to use and disclose such information. You are prohibited from submitting any material deemed offensive or inappropriate.

Links

We provide links to other websites as a convenience. We do not monitor and are not responsible for the content on linked websites. You agree to follow our linking policy if you wish to link to the Sites.

Jurisdiction, Remedies, Enforceability and Miscellaneous
These Terms are governed by the laws of California, USA. We reserve the right to seek remedies for violations of these Terms. If any part of these Terms is found unenforceable, it does not affect the enforceability of the remaining provisions.

Indemnification
You agree to indemnify and defend us from any claims arising out of your use of the Sites in a manner not authorized by these Terms.

Disclosures
Products and features may not be available in all states. Product guarantees are subject to the claims-paying ability of the issuing company.

Information Storage Authorization
You authorize us or our vendors to store any information you provide, such as personal and financial data.

Cal-Solutions.com Account Registration
You may register for a Cal-Solutions.com account to access policy documents. You are responsible for keeping your Username and Password confidential.

Paperless Terms and Conditions
By enrolling in Paperless, you agree to receive documents electronically. You must maintain a valid email address and update it as necessary. You may revoke consent at any time.

Additional Provisions Applicable to the Mobile App
You acknowledge that use of the Mobile App may incur charges from your mobile network provider. The Mobile App may access location features on your device, and you consent to the receipt of notifications via the app.

For further information, review the full terms on the Cal-Solutions website.