Terms and Conditions

Last Updated: May 23, 2025

Welcome to orlandobellinsuranceagency.com (the “Website”), owned and operated by Orlando Bell Insurance Agency (“we,” “us,” or “our”).

By accessing or using our Website, including any content, functionality, and services offered on or through the Website, you agree to be bound by these Terms and Conditions (“Terms”). Please read these Terms carefully before you start to use the Website. If you do not agree to these Terms, you must not access or use the Website.

1. Acceptance of Terms By using our Website, you represent and warrant that you are of legal age to form a binding contract with Orlando Bell Insurance Agency and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

2. Intellectual Property Rights The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Orlando Bell Insurance Agency, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as generally permitted by the Website’s normal functionality.

3. User Representations By using the Website, you represent and warrant that:

  • You have the legal capacity and you agree to comply with these Terms;
  • You will not use the Website for any illegal or unauthorized purpose;
  • Your use of the Website will not violate any applicable law or regulation.

4. Prohibited Activities You may not access or use the Website for any purpose other than that for which we make the Website available. The Website may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Website, you agree not to:

  • Systematically retrieve data or other content from the Website to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
  • Make any unauthorized use of the Website, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
  • Circumvent, disable, or otherwise interfere with security-related features of the Website.
  • Engage in unauthorized framing of or linking to the Website.
  • Interfere with, disrupt, or create an undue burden on the Website or the networks or services connected to the Website.
  • Use the Website as part of any effort to compete with us or otherwise use the Website and/or the Content for any revenue-generating endeavor or commercial enterprise.

5. Website Management We reserve the right, but not the obligation, to:

  • Monitor the Website for violations of these Terms;
  • Take appropriate legal action against anyone who violates the law or these Terms;
  • Refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof;
  • Otherwise manage the Website in a manner designed to protect our rights and property and to facilitate the proper functioning of the Website.

6. Privacy Policy Your use of our Website is also governed by our Privacy Policy. Please review our Privacy Policy at orlandobellinsuranceagency.com/privacy-policy which describes our practices concerning the collection and use of your information.

7. SMS/Text Messaging Terms and Conditions

By providing your mobile number and opting in to receive SMS/text messages from Orlando Bell Insurance Agency, you agree to the following terms:

  • Opt-In: You explicitly consent to receive marketing and informational text messages from Orlando Bell Insurance Agency regarding your inquiries, insurance products, services, promotions, and other relevant information.
  • Message Frequency: Message frequency will vary depending on your interactions with us and the types of services you’ve opted into.
  • Message and Data Rates: Message and data rates may apply according to your mobile carrier’s plan. You are responsible for any charges incurred from your mobile carrier.
  • STOP to Opt-Out: You can cancel the SMS service at any time. Text “STOP” to the number you received the message from to opt-out. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
  • HELP for Support: For help at any time, text “HELP” to the number you received the message from, or call us at +1 (510) 283-4610.
  • Delivery Disclaimer: We are not responsible for any delays or failures in the receipt of any SMS messages as delivery is subject to effective transmission from your mobile network operator.
  • Carrier Liability: Carriers are not liable for delayed or undelivered messages.
  • Changes: We reserve the right to change these SMS Terms and Conditions at any time. Your continued use of the SMS service after such changes constitutes your acceptance of the new SMS Terms and Conditions.

8. Term and Termination These Terms shall remain in full force and effect while you use the Website. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE WEBSITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OR OF ANY APPLICABLE LAW OR REGULATION.

9. Modifications to Terms We reserve the right to revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes.

10. Governing Law These Terms and your use of the Website are governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be entirely performed within the State of California, without regard to its conflict of law principles.

11. Disclaimer of Warranties YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER ORLANDO BELL INSURANCE AGENCY NOR ANY PERSON ASSOCIATED WITH ORLANDO BELL INSURANCE AGENCY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE.

12. Limitation of Liability TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL ORLANDO BELL INSURANCE AGENCY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

13. Indemnification You agree to defend, indemnify, and hold harmless Orlando Bell Insurance Agency, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, your Contributions, any use of the Website’s content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Website.

14. Miscellaneous These Terms and any policies or operating rules posted by us on the Website constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. These Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time.

15. Contact Information To ask questions or comment about these Terms and Conditions, contact us at: Orlando Bell Insurance Agency Phone: +1 (510) 283-4610 Email: info@orlandobellinsuranceagency.com