Terms of Use

1. Acceptance of Terms

By accessing or using chrischaconinsurance.com (the "Site"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use this Site.

These terms apply to all visitors, users, and anyone who accesses or uses the Site. Christopher Chacon is a licensed insurance broker affiliated with USA Benefits Group.

2. Informational Purposes Only

Nothing on this Site should be interpreted as a binding offer, contract, or guarantee of insurance coverage. Coverage is subject to carrier underwriting, eligibility requirements, and policy terms.

3. Permitted Use

You may use this Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any manner that violates applicable federal, state, or local laws or regulations.
• Submit false, misleading, or fraudulent information through any form or communication.
• Attempt to gain unauthorized access to any portion of the Site or its related systems.
• Reproduce, duplicate, copy, sell, or exploit any portion of the Site without our express written permission.
• Use automated bots, scrapers, or similar tools to extract data from the Site.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.

4. Quote Requests & Consultations

When you submit a quote request or book a consultation through this Site, you authorize Christopher Chacon and USA Benefits Group to contact you by phone, email, or other means to discuss your insurance needs. Submitting a form does not obligate you to purchase any product or service.

All information provided in quote requests is used solely to find appropriate coverage options and is handled in accordance with our Privacy Policy.

5. Insurance Licensing

Christopher Chacon is a licensed health and life insurance broker. Licensing is state-specific and services may not be available in all states. Nothing on this Site constitutes an offer to sell insurance in any jurisdiction where such offer would be unlawful without licensure.

Insurance products referenced on this Site are offered through USA Benefits Group and affiliated carrier partners. Policy terms, benefits, and premiums vary by carrier and are subject to change.

6. Intellectual Property

All content on this Site — including text, graphics, logos, images, and design elements — is the property of Chris Chacon Insurance or its content suppliers and is protected by applicable copyright and trademark laws.

You may not reproduce, distribute, modify, or create derivative works from any Site content without prior written consent. You may print or download a single copy of pages for personal, non-commercial use only.

7. Third-Party Links

This Site may contain links to third-party websites, including insurance carrier portals, scheduling tools (e.g., Calendly), government health exchanges (e.g., healthcare.gov), and other resources. These links are provided for convenience only.

We do not control, endorse, or assume responsibility for the content, accuracy, or privacy practices of any third-party site. Visiting external links is at your own risk.

8. Disclaimer of Warranties

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

We make no representations or warranties about the completeness, accuracy, reliability, suitability, or availability of any information, products, or services on the Site.

9. Limitation of Liability

To the fullest extent permitted by law, Chris Chacon Insurance, Christopher Chacon, and USA Benefits Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — this Site or its content, even if advised of the possibility of such damages.

Our total liability to you for any claim arising from use of this Site shall not exceed $100 USD.

10. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand our practices regarding the collection and use of your personal information.

11. Governing Law

These Terms of Use shall be 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 under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California.

12. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page with an updated effective date. Your continued use of the Site after any changes constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

13. Contact Us

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