Terms of Service
Last Updated: March 17, 2026
Agreement to Terms
Welcome to Zinni Family Insurance. By accessing or using our website and services, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our website or services.
Definitions
- “We,” “Us,” “Our” refers to Zinni Family Insurance
- “You,” “Your” refers to the user or viewer of our website
- “Website” refers to zinnifamilyinsurance.com and all associated pages
- “Services” refers to insurance quotes, policy recommendations, and related services
Use of Website
Permitted Use
You may use our website for lawful purposes only, including:
- Requesting insurance quotes
- Learning about our insurance products and services
- Contacting us for questions or support
- Accessing educational resources about insurance
Prohibited Activities
You agree not to:
- Use the website for any illegal purpose or in violation of any laws
- Submit false, misleading, or fraudulent information
- Attempt to gain unauthorized access to our systems or networks
- Transmit viruses, malware, or other harmful code
- Scrape, copy, or replicate our website content without permission
- Harass, abuse, or harm others through our website
- Impersonate any person or entity
- Interfere with the proper functioning of the website
Insurance Services and Quotes
Quotes Are Estimates: Insurance quotes provided through our website are estimates only and are not binding until a formal policy is issued by an insurance carrier. Actual premiums may vary based on additional information, underwriting criteria, and carrier approval.
No Guarantee of Coverage: Submitting a quote request does not guarantee that you will be approved for insurance coverage. All policies are subject to underwriting approval by the insurance carrier.
Licensed Agent Required: Insurance policies must be purchased through a licensed insurance agent. Zinni Family Insurance is licensed to sell insurance in California. Our license number can be verified through the California Department of Insurance.
Accuracy of Information: You are responsible for providing accurate and complete information when requesting quotes. Inaccurate information may result in incorrect quotes or policy cancellation.
Intellectual Property Rights
All content on this website, including but not limited to:
- Text, graphics, logos, images, and photographs
- Software, code, and website design
- Trademarks and service marks
- Trade dress and branding elements
…are the property of Zinni Family Insurance or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
User Submissions
When you submit information through our quote forms, contact forms, or other communication channels, you grant us the right to use that information to provide you with our services, contact you, and improve our offerings. You represent and warrant that you have the right to submit all information provided and that such information is accurate and truthful.
Third-Party Services and Links
Our website may contain links to third-party websites, including insurance carrier websites, payment processors, and other service providers. We are not responsible for:
- The content, accuracy, or opinions expressed on third-party websites
- Privacy practices of third-party websites
- Products or services offered by third parties
- Any damages or losses arising from your use of third-party websites
Disclaimer of Warranties
Our website and services are provided “as is” and “as available” without warranties of any kind.
We disclaim all warranties, express or implied, including but not limited to:
- Warranties of merchantability and fitness for a particular purpose
- Warranties of accuracy, reliability, or completeness of information
- Warranties that the website will be uninterrupted or error-free
- Warranties that defects will be corrected
Limitation of Liability
To the fullest extent permitted by law, Zinni Family Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages.
This includes, but is not limited to, damages for loss of profits, revenue, data, or other intangible losses resulting from:
- Your use or inability to use our website or services
- Unauthorized access to or alteration of your data
- Errors or omissions in website content
- Any other matter relating to our website or services
Indemnification
You agree to indemnify, defend, and hold harmless Zinni Family Insurance, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising from:
- Your use of our website or services
- Your violation of these Terms
- Your violation of any rights of another party
- Any false or misleading information you provide
Privacy
Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.
Termination
We reserve the right to terminate or suspend your access to our website at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason in our sole discretion.
Governing Law and 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.
Jurisdiction: You agree that any legal action or proceeding relating to these Terms or your use of our website shall be brought exclusively in the state or federal courts located in Los Angeles County, California.
Waiver of Class Actions: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
Severability
If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Zinni Family Insurance regarding your use of our website and services, and supersede all prior agreements and understandings.
Contact Us
If you have any questions about these Terms of Service, please contact us:
Zinni Family Insurance
10727 White Oak Ave., Suite 105
Granada Hills, CA 91344
Phone: (818) 698-0870
Email: brianzinni@allstate.com