Pinhas insurance

Terms & Conditions

1. Introduction

Welcome to Refael Pinhas Insurance (“the Website”). These Terms and Conditions govern your use of this Website. By accessing and using this Website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, please refrain from using the Website.

2. Services and Products

The Website, operated by Refael Pinhas Insurance, offers information and services related to health insurance, Medicare products, life insurance, and disability insurance.

3. User Accounts and Personal Information

3.1. User Accounts: User accounts or profiles are not required for accessing information on the Website.

3.2. Personal Information: In the event of collecting personal information for quoting purposes, we collect only necessary details. All information is stored securely in our HIPAA-compliant CRM. Access is restricted to authorized personnel only.

4. Affiliate Links and External Quotes

The Website may contain affiliate links and URLs designated for obtaining quotes from specific insurance companies. Refael Pinhas Insurance may earn commissions from these companies.

5. User-Generated Content

Users may contribute reviews. The Website reserves the right to moderate and remove inappropriate content.

6. Intellectual Property

Content on the Website is protected by intellectual property laws. Users must seek permission for reproducing or using content from the Website.

7. User Behavior Guidelines

The Website does not have specific rules for user behavior. However, users are expected to engage respectfully and responsibly.

8. Payments and Financial Transactions

Refael Pinhas Insurance does not handle payments or financial transactions on the Website. Services are provided free of charge, and commissions are received from insurance companies.

9. Disclaimers

9.1. Accuracy of Information: While we strive for accuracy, we do not guarantee the completeness or reliability of information. Users should verify details with relevant sources.

9.2. Legal Advice: Refael Pinhas Insurance does not provide legal advice. Users should not construe information on the Website as legal guidance.

10. Account Suspension or Termination

Account suspension or termination is not applicable as user accounts are not provided on the Website.

11. Changes to Terms and Conditions

Refael Pinhas Insurance reserves the right to modify these Terms and Conditions. Users are advised to review this page periodically for updates.

12. Contact Information

For any questions or concerns regarding these Terms and Conditions, please contact Refael Pinhas Insurance at hello@pinhasinsurance.com or call (505) 305-0744.