Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your use of the website operated by Milik & Associates Insurance ("we," "our," or "us") and any related services we provide.

By accessing or using our website, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our website or use our services.

Insurance Services

Milik & Associates Insurance is a licensed insurance agency in the State of California. We provide insurance brokerage services and act as an intermediary between you and insurance carriers.

• We do not guarantee the availability, pricing, or terms of any insurance policy
• Insurance coverage is subject to the terms and conditions of the actual policy issued by the insurance carrier
• Quotes provided are estimates and may change based on underwriting review
• You are responsible for reviewing and understanding your policy documents

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Promptly notify us of any changes to your information
• Not misrepresent any facts in insurance applications
• Pay all premiums and fees when due
• Comply with all applicable laws and regulations

Providing false or misleading information may result in denial of coverage, policy cancellation, or denial of claims.

Website Use

You agree not to use our website to:

• Violate any applicable laws or regulations
• Transmit any harmful, offensive, or illegal content
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Collect or harvest any information from our website
• Use automated systems or software to access our website

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Milik & Associates Insurance or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the website will be uninterrupted or error-free
• Warranties regarding the accuracy or completeness of content

Limitation of Liability

To the fullest extent permitted by law, Milik & Associates Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our website or services.

Indemnification

You agree to indemnify and hold harmless Milik & Associates Insurance, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of our website or services, your violation of these Terms, or your violation of any rights of a third party.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Los Angeles County, California.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of the website after any changes indicates your acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Contact Information

If you have any questions about these Terms, please contact us: