Terms & Conditions
Steve Garcia Insurance & Services Terms & Conditions
Terms of Service
Effective Date: 06/03/2026
These Terms of Service govern your access to and use of Steve Garcia Insurance & Services. By using this website, submitting a form, calling, texting, emailing, or otherwise requesting services, you agree to these Terms. If you do not agree, you should not use these Services.
SMS Terms and Conditions
SMS Consent Communication:
The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
Types of SMS Communications:
If you have consented to receive text messages from Downey Services, you may receive messages related to the following :
- Account notifications
Example: "Hello, this is Downey Services. Reply STOP to opt out of SMS messaging from Downey Services."
Message Frequency:
Message frequency may vary depending on the type of communication.
Potential Fees for SMS Messaging:
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
Opt-In Method:
You may opt in to receive SMS messages from Downey Services in the following ways:
- By submitting an online form
Opt-Out Method:
You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
Help:
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at https://www.downeyservices.com/contact or by calling (562) 861-0707.
If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
Standard Messaging Disclosures:
Message and data rates may apply.
You can opt out at any time by texting "STOP."
For assistance, text "HELP" or visit our Privacy Policy and Terms and Conditions pages.
Message frequency may vary
1. Service Overview
Steve Garcia Insurance & Services provides customer service, sales support, insurance guidance, quote assistance, notary support, LiveScan support, estate planning service coordination, and related customer assistance. Use of the Services is subject to these Terms and all applicable laws.
2. Eligibility
To use our Services, you must be at least 18 years old and capable of forming a binding contract under applicable law.
Providing false, inaccurate, or misleading information during registration, quote requests, service requests, or other communications may result in refusal, suspension, or termination of service.
3. Privacy and Data Usage
We value your privacy. We do not sell, rent, or share your personal information with third parties for their marketing or commercial purposes.
Your information may be used to respond to inquiries, provide customer support, process quote or service requests, improve our Services, and communicate with you as described in our Privacy Policy.
4. Permitted Use
You may use our Services only for lawful purposes. You agree not to:
- Violate any applicable laws or regulations.
- Use the Services to submit fraudulent, misleading, abusive, or unlawful information.
- Misuse the Services to send spam, malware, or other harmful content.
- Attempt to disrupt, damage, overload, or interfere with the website, systems, services, or related infrastructure.
5. Fees and Payments
Certain Services may require payment. Any applicable fees will be disclosed during the service request, registration, appointment, quote, or payment process.
Failure to make timely payments may result in suspension, delay, or termination of access to certain Services.
6. Intellectual Property
All content, branding, text, images, graphics, logos, website materials, and other intellectual property related to the Services remain the property of Steve Garcia Insurance & Services or their respective owners.
You may not copy, modify, reproduce, publish, distribute, or use materials from the Services without prior written consent.
7. Account Suspension and Termination
We reserve the right to suspend, refuse, or terminate access to the Services if you violate these Terms, submit false information, misuse the Services, or engage in unlawful or harmful behavior.
Termination may occur without prior notice in cases of serious violations.
8. Limitation of Liability
To the maximum extent permitted by law, Steve Garcia Insurance & Services is not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Services.
Information provided through the website, forms, calls, texts, emails, or other communications is for general assistance and service coordination purposes. Coverage, eligibility, pricing, policy terms, and service availability may vary and are subject to confirmation by the appropriate provider, agency, carrier, or licensed professional.
9. Modifications to Terms
We may update these Terms at any time. Updates will be posted on this page with a revised effective date.
Your continued use of the Services after changes are posted means you accept the updated Terms.
10. Governing Law
These Terms are governed by the laws of the State of California. Any disputes arising under these Terms will be handled in the appropriate courts located in Los Angeles County, California, unless otherwise required by law.
11. Contact Information
For questions about these Terms or our Services, please contact:
Steve Garcia Insurance & Services
Phone: (562) 861-0707
Email: sgarcia6@farmersagent.com
Address: 8648 Florence Ave, Downey, CA 90240
CA License: #0G91978
By accessing or using our Services, you acknowledge that you have read, understood, and agree to these Terms.