Terms of Service

Acceptance of Terms

By accessing or using the Oram Insurance Agency website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

Our Services

Oram Insurance Agency is an independent insurance agency serving the Tri-Valley area of California. Through our website, we provide:

• Online insurance quote request forms for auto, home, renters, life, business, and earthquake insurance
• Information about insurance products and coverage options
• Access to your account and quote history
• Contact and communication channels with our team

User Accounts

When you submit a quote request, an account may be created on your behalf. You are responsible for:

• Maintaining the confidentiality of your account credentials
• Providing accurate and complete information
• Notifying us promptly of any unauthorized use of your account

Insurance Quotes

Quotes provided through our website are estimates based on the information you provide. They are not binding offers of insurance. Final premiums, terms, and coverage are determined by the insurance carrier and are subject to their underwriting guidelines, verification of information, and approval. Oram Insurance does not guarantee the availability, pricing, or terms of any insurance policy.

Accuracy of Information

You agree to provide accurate, current, and complete information when using our services. Providing false or misleading information may result in denial of coverage, policy cancellation, or claims being denied by the insurance carrier. Oram Insurance is not liable for consequences resulting from inaccurate information you provide.

Intellectual Property

All content on this website, including text, graphics, logos, icons, images, and software, is the property of Oram Insurance Agency or its content suppliers and is protected by United States copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

Prohibited Uses

You agree not to use our website or services to:

• Submit false, misleading, or fraudulent information
• Interfere with or disrupt the website's functionality or security
• Use automated systems (bots, scrapers) to access the website without permission
• Violate any applicable laws or regulations

Limitation of Liability

To the fullest extent permitted by California law, Oram Insurance Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability for any claim shall not exceed the amount you have paid to us, if any, in the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Oram Insurance Agency, its officers, employees, and agents from any claims, damages, losses, or expenses arising from your use of our website, your violation of these terms, or your violation of any rights of a third party.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of Alameda County, California.

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on this page with a revised "Last Updated" date. Your continued use of our website after changes are posted constitutes your acceptance of the revised terms.

Contact Us

If you have questions about these Terms of Service, please contact us:

Oram Insurance Agency
Tri-Valley, California
info@oraminsurance.com
(925) 555-0100