Terms of Service

Insurance Services

Vetra Insurance Services is an independent insurance agency. We help customers compare insurance products from multiple carriers and facilitate the placement of coverage. We do not underwrite insurance policies. Coverage is subject to the approval and terms of the individual insurance carrier you choose.

All quotes and coverage details provided through our website or by our agents are for informational purposes and do not constitute a binding offer of insurance. A policy is only effective once the carrier accepts your application, you pay any required premium, and you receive written confirmation of coverage.

Use of Our Website

You may use our website for lawful purposes only. You agree not to:

• Use the site in any way that violates applicable laws or regulations
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems or data
• Use automated means (bots, scrapers, spiders) to extract data without our written permission
• Interfere with the proper functioning of the website or its security features
• Impersonate any person or entity, or misrepresent your affiliation

Quotes and Information

Insurance quotes provided through our website are estimates based on the information you provide. Final rates and eligibility are determined by the insurance carrier and may differ from the initial quote. It is your responsibility to provide accurate and complete information.

We make reasonable efforts to keep website content accurate and up to date, but we do not guarantee that all information is complete, current, or error-free. Insurance products, rates, and availability change over time.

Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Vetra Insurance Services or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our prior written consent.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or harmful components.

We disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Your use of the website is at your sole risk.

Limitation of Liability

To the fullest extent permitted by law, Vetra Insurance Services and its agents, officers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if advised of the possibility of such damages.

Our total liability to you for any claim arising from these Terms or your use of the website shall not exceed the amount you paid us in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

Links to Third-Party Sites

Our website may contain links to third-party websites, including insurance carrier sites. These links are provided for convenience only. We do not control, endorse, or assume responsibility for the content, privacy practices, or terms of any third-party website. Your use of third-party sites is at your own risk and subject to their terms.

Indemnification

You agree to indemnify, defend, and hold harmless Vetra Insurance Services and its officers, agents, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the website, your violation of these Terms, or your violation of any rights of another.

Termination

We may suspend or terminate your access to the website at any time, with or without cause or notice, at our sole discretion. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property, disclaimers, and limitations of liability.

Governing Law and Disputes

These Terms are governed by the laws of the State of California, without regard to its conflict of law principles. Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located in San Diego County, California. You consent to the personal jurisdiction of these courts.

Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Continued use of the website after changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.