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

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

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.

To protect your account and prevent fraud, we use SMS verification powered by Twilio. By using our services, you agree to:

• Receive verification codes
• Provide accurate contact information
• Allow Twilio to process your phone number for verification

Submitting information does not guarantee insurance coverage. Final approval is determined by the insurance carrier.

We are not liable for:

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

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

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