Terms and Conditions

 Effective Date: September 16, 2025

Welcome to the website of Caulfield Insurance Services (“we,” “our,” or “us”).

By accessing or using this website (the “Site”), you agree to these Terms & Conditions.

If you do not agree, please do not use the Site.

• The content on this Site is provided for informational purposes only and is not a binding offer of insurance coverage.
   
• Insurance quotes and policy information are subject to underwriting approval, state regulations, and carrier guidelines.
   
• You agree to use the Site only for lawful purposes and in a manner that does not infringe on the rights of others.
   

Submitting information through the Site does not create an insurance contract.

Coverage becomes effective only after:

• Application approval by the insurance carrier, and
   
• Confirmation of coverage issuance from Caulfield Insurance Services or the carrier.
   

All text, graphics, logos, and other content on the Site are the property of Caulfield Insurance Services or its licensors and are protected by copyright and trademark laws.

You may not reproduce, distribute, or modify any content without prior written consent.

This Site may contain links to third-party websites for your convenience.

We are not responsible for the content, accuracy, or privacy practices of those external sites.

Your use of this Site is also governed by our [Privacy Policy], which describes how we collect, use, and protect your personal information.

Caulfield Insurance Services provides this Site “as is” without warranties of any kind, express or implied.

We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Site, including reliance on any information provided.

You agree to indemnify and hold harmless Caulfield Insurance Services, its employees, and affiliates from any claims or damages resulting from your violation of these Terms or your misuse of the Site.

We may update these Terms & Conditions at any time.

Changes will be posted on this page with a revised effective date.

Your continued use of the Site after updates constitutes acceptance of the revised terms.

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

For questions or concerns about these Terms & Conditions, please contact:

Caulfield Insurance Services

49 S. Baldwin Ave, Suite I

Sierra Madre, CA 91024

Phone: (626) 346-1000

Email: john@caulfieldagency.com