Terms & Conditions

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📌 1. Use of Our Services

You agree to use our services only for lawful purposes. You must not use our website or services to conduct any fraudulent, harmful, or illegal activity.

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📌 2. Intellectual Property

All content, trademarks, logos, and service marks displayed on this website are the property of Apex Premium LLC or its licensors. You may not copy, reproduce, distribute, or exploit any content without express written permission.

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📌 3. No Insurance Guarantee

A quote or discussion with an agent does not guarantee coverage. Insurance policies are subject to underwriting approval and final review. Coverage is not bound until confirmed in writing by an authorized representative of the carrier.

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📌 4. Accuracy of Information

We strive to keep all information on our website and communication accurate and up to date. However, we do not guarantee the accuracy, completeness, or reliability of any content. Use at your own risk.

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📌 5. Third-Party Links

Our site may contain links to third-party websites. We are not responsible for the content, policies, or practices of these websites. Access them at your own discretion.

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📌 6. Privacy

We respect your privacy. Information collected through our website is subject to our [Privacy Policy]. By using our services, you consent to the collection and use of your information as described therein.

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📌 7. Limitation of Liability

To the maximum extent permitted by law, Apex Premium LLC shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use or inability to use our services.

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📌 8. Indemnification

You agree to indemnify and hold harmless Apex Premium LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising from your use of the site or violation of these terms.

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📌 9. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California. Any disputes arising shall be subject to the exclusive jurisdiction of the courts in San Diego County, California.

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📌 10. Changes to These Terms

We may update these Terms and Conditions at any time without prior notice. Continued use of our site or services constitutes acceptance of the updated terms.​​​​

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