Terms & Conditions

Agreement to Terms

Welcome to ixtusins. By accessing our website or using our auto insurance services, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access our services.

These Terms constitute a legally binding agreement between you and ixtusins. Please read them carefully before using our services.

Definitions

For the purposes of these Terms and Conditions:

• "Company" refers to ixtusins, located at 3017 Douglas Boulevard, Roseville CA 95661
• "Services" refers to our auto insurance products, website, and related services
• "You" refers to the individual or entity accessing our services
• "Policy" refers to an insurance contract between you and the Company
• "Premium" refers to the payment you make for insurance coverage

Eligibility

To use our services and purchase insurance policies, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Possess a valid driver's license
• Provide accurate and complete information
• Meet all applicable state and federal requirements for insurance coverage

Account Registration

When you create an account with us, you must provide accurate, complete, and current information. Failure to do so constitutes a breach of these Terms and may result in immediate termination of your account.

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach
• Keeping your contact information and policy details up to date

Insurance Policies

Policy Application and Approval

Submitting an application for insurance does not guarantee coverage. We reserve the right to accept or decline any application based on our underwriting criteria and risk assessment.

Coverage and Limitations

Your insurance policy details the specific coverages, limits, exclusions, and conditions that apply. It is your responsibility to review your policy documents carefully and understand what is and is not covered.

Premium Payments

You agree to pay all premiums on time according to the payment schedule specified in your policy. Failure to make timely payments may result in:

• Late fees and penalties
• Loss of coverage benefits
• Policy cancellation or non-renewal
• Referral to collections

Policy Modifications

You may request changes to your policy at any time. Modifications may affect your premium and coverage. All changes must be approved by the Company and documented in writing.

Policy Cancellation

Either party may cancel the policy according to the terms specified in your policy documents. Cancellation procedures and any applicable refunds or fees will be handled in accordance with state regulations and your policy terms.

Claims Process

When filing a claim, you must:

• Report the incident promptly as required by your policy
• Provide accurate and complete information
• Cooperate fully with our investigation
• Submit all required documentation
• Not make false or fraudulent claims

We reserve the right to investigate all claims thoroughly. Fraudulent claims may result in policy termination, denial of coverage, and legal prosecution.

Representations and Warranties

By using our services, you represent and warrant that:

• All information you provide is accurate, complete, and truthful
• You have disclosed all material information relevant to your insurance application
• You will notify us promptly of any changes that may affect your coverage
• You comply with all applicable laws and regulations
• You will not use our services for any unlawful purpose

Prohibited Activities

You may not:

• Provide false or misleading information
• Use our services to commit fraud or other illegal activities
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our website or services
• Violate any applicable laws or regulations
• Share your account credentials with others

Limitation of Liability

To the fullest extent permitted by law, ixtusins shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or any policy disputes.

Our total liability to you for all claims related to our services shall not exceed the amount of premiums you have paid in the past twelve months.

Indemnification

You agree to indemnify and hold harmless ixtusins and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from:

• Your violation of these Terms
• Your use of our services
• Any false or misleading information you provide
• Your violation of any laws or regulations

Dispute Resolution

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.

Arbitration

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

Class Action Waiver

You agree that disputes will be resolved on an individual basis only and waive any right to participate in a class action lawsuit or class-wide arbitration.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of ixtusins and protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.

Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of use of these external sites. Your use of third-party sites is at your own risk.

Modifications 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 our services after changes are posted constitutes acceptance of the modified Terms.

We will notify you of significant changes by email or through a prominent notice on our website.

Termination

We may terminate or suspend your access to our services immediately, without prior notice, for any reason, including but not limited to:

• Breach of these Terms
• Providing false information
• Engaging in fraudulent activity
• Non-payment of premiums
• Request by law enforcement or regulatory authorities

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, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any policy documents you receive, constitute the entire agreement between you and ixtusins regarding our services.

Contact Information

If you have questions about these Terms and Conditions, please contact us using the information below.