Welcome to B.A. Lazaro Insurance Services. By using our website balazaroinsurance.com or requesting insurance services, you agree to the following Terms of Service.

1. Use of Our Website
You agree to use our website for lawful purposes only. You may not attempt to disrupt or interfere with website functionality or security.

2. Insurance Services
B.A. Lazaro Insurance Services provides insurance quotes, policy assistance, and related services. All quotes are subject to underwriting guidelines and approval by insurance carriers.

3. SMS Communications
B.A. Lazaro Insurance Services offers optional SMS text messaging for insurance quote follow-ups, appointment reminders, policy/service updates, and customer support. You will only receive these messages if you voluntarily opt in via the SMS consent checkbox on our quote form. Opting in is not required to use our website, request a quote, or receive any of our services. Message frequency varies, and message and data rates may apply. You may opt out at any time by replying STOP, or reply HELP for assistance. By opting in, you agree to provide accurate contact information and allow Twilio, our SMS delivery provider, to process your phone number for the purpose of delivering these messages. Phone numbers and SMS consent are never shared with or sold to third parties for marketing purposes.

4. No Guarantee of Coverage
Submitting information does not guarantee insurance coverage. Final approval is determined by the insurance carrier.

5. Limitation of Liability
We are not liable for:

• Service interruptions
• Third-party system failures (including Twilio)
• Errors caused by inaccurate information provided by you

6. Intellectual Property
All content on this website is owned by B.A. Lazaro Insurance Services and may not be copied or reproduced without permission.

7. Changes to Terms
We may update these Terms at any time. Continued use of the website constitutes acceptance of updated terms.