Terms and Conditions

Overview

Welcome to the website of Persis Insurance and Financial Services Corporation (“Persis,” “Persis IFSC,” “we,” “us,” or “our”). These Terms and Conditions govern your access to and use of our website, including any webpages, online forms, quote request tools, contact forms, content, documents, communications, links, features, or services made available through this website.

By accessing, browsing, submitting information through, or otherwise using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, together with all applicable federal, state, and local laws and regulations, including applicable California insurance laws and regulations.

If you do not agree with these Terms and Conditions, you should not use this website.

Persis may revise, update, suspend, remove, replace, or discontinue any portion of this website or these Terms and Conditions at any time without prior notice. Your continued use of this website after any changes are posted constitutes your acceptance of the revised Terms and Conditions.

California Insurance Agency and Licensing Notice

Persis Insurance and Financial Services Corporation operates as an insurance agency and/or broker subject to applicable licensing requirements under California law and any other jurisdictions in which Persis is properly licensed or authorized to transact insurance.

Insurance products and services are offered only where Persis, its producers, and the applicable insurance carriers are properly licensed and authorized. Nothing on this website should be interpreted as an offer, solicitation, recommendation, or sale of insurance in any jurisdiction where such activity would be unlawful or where Persis is not properly licensed or authorized.

California consumers may verify the license status of an insurance agent, broker, business entity, or other licensee through the California Department of Insurance. The California Department of Insurance provides a license lookup tool that allows consumers to review license status and related licensing information.

Persis may act in different capacities depending on the insurance product, carrier appointment, transaction, and applicable law. In certain transactions, Persis may act as an insurance agent representing an admitted insurance company. In other transactions, Persis may act as an insurance broker representing the insurance customer in seeking coverage. The role of Persis may vary by product, carrier, placement, and transaction.

No Insurance Coverage Created by Website Use

Your use of this website, submission of an online form, request for a quote, email communication, telephone communication, text message, voicemail, upload of documents, or transmission of information to Persis does not create, bind, change, extend, cancel, reinstate, or confirm insurance coverage.

Insurance coverage is not effective unless and until it is expressly bound or issued in accordance with applicable carrier underwriting requirements and confirmed in writing by Persis or the applicable insurance carrier.

You should not rely on this website, online forms, email, text messages, voicemail, or other electronic communications as confirmation that insurance coverage is in effect, that coverage has been changed, or that a policy has been cancelled unless you have received express written confirmation from Persis or the applicable insurance carrier.

Binding, Changing, or Cancelling Coverage

Requests to bind coverage, change coverage, add or remove vehicles, add or remove drivers, add or remove locations, increase or decrease limits, add insureds, issue certificates, cancel policies, reinstate policies, or make any other policy-related change are not effective merely because they are submitted through this website, by email, by voicemail, by text message, or through any other electronic communication.

All such requests are subject to review, underwriting approval, carrier acceptance, payment of any required premium, and written confirmation. Coverage changes are not effective unless and until confirmed in writing by Persis or the applicable insurance carrier.

Time-sensitive insurance matters should be handled directly with Persis by telephone or through the applicable carrier’s authorized service channels. If you do not receive confirmation of a requested change, you should assume the change has not been made.

Quotes, Applications, and Policy Information

Any insurance quote, premium indication, estimate, proposal, coverage comparison, or policy summary provided through this website or in response to information submitted through this website is for informational purposes only and does not constitute a binding offer of insurance.

All quotes and applications are subject to underwriting review, eligibility requirements, carrier approval, inspection, loss history review, driving record review, claims history review, credit-based insurance scoring where permitted by law, payment of premium, and issuance of policy documents by the applicable insurance carrier.

Final coverage, pricing, limits, deductibles, endorsements, exclusions, conditions, fees, surcharges, and terms are determined solely by the applicable insurance carrier and the issued policy documents.

You are responsible for providing complete, accurate, truthful, and current information when requesting a quote, applying for coverage, renewing coverage, requesting policy changes, or communicating with Persis. Inaccurate, incomplete, misleading, or omitted information may affect premium, eligibility, underwriting, claim handling, cancellation, rescission, or the availability and validity of insurance coverage.

Policy Documents Control

The information on this website may include general descriptions of insurance products, coverage types, policy features, insurance terms, risk management concepts, or services. Such descriptions are provided for general informational purposes only.

Insurance policies are legal contracts between the insured and the insurance carrier. The actual terms, conditions, limitations, exclusions, endorsements, declarations, notices, and applicable forms issued by the insurance carrier control all coverage determinations.

In the event of any conflict between website content, marketing materials, summaries, proposals, certificates, or verbal explanations and the issued policy documents, the issued policy documents control.

Certificates of Insurance and Evidence of Coverage

Any certificate of insurance, evidence of insurance, identification card, binder, or similar document issued in connection with an insurance policy is subject to the terms, conditions, exclusions, and limitations of the applicable policy.

Certificates of insurance generally do not amend, extend, or alter coverage provided by the policy. Any request to add an additional insured, loss payee, lender’s loss payable, mortgagee, certificate holder, waiver of subrogation, primary and noncontributory wording, or other special endorsement is subject to carrier approval and written confirmation.

Broker Fees, Agency Fees, and Other Charges

Depending on the transaction, Persis may receive compensation from insurance carriers, wholesalers, managing general agents, premium finance companies, or other insurance-related entities. Persis may also charge broker fees, agency fees, service fees, inspection fees, policy fees, or other fees where permitted by applicable law and disclosed as required.

Any broker fee or agency fee, if applicable, will be disclosed in accordance with applicable California law and regulations and may require a written broker fee agreement or other written disclosure. Broker fees may be separate from insurance premiums and may be non-refundable depending on the applicable agreement and California law.

If there is any conflict between this website and a signed broker fee agreement, the signed broker fee agreement and applicable law will control.

Surplus Lines and Non-Admitted Insurance

Certain insurance products may be placed with non-admitted or surplus lines insurers where permitted by law. Non-admitted insurers are not licensed by the State of California in the same manner as admitted insurers and may not be subject to the same regulatory protections.

Surplus lines coverage, where applicable, is subject to California surplus lines laws, eligibility requirements, disclosures, taxes, stamping fees, and other requirements. Any surplus lines placement will be handled in accordance with applicable law and required disclosures.

No Legal, Tax, Accounting, Investment, or Financial Advice

The information provided on this website is for general informational purposes only. Nothing on this website constitutes legal, tax, accounting, investment, financial, or professional advice.

Although Persis may provide insurance-related information, such information is general in nature and may not apply to your specific circumstances. You should consult with appropriate licensed professionals regarding legal, tax, financial, accounting, investment, or other professional matters.

Website Content

Persis makes reasonable efforts to provide accurate and current information on this website. However, Persis does not guarantee that the website content is complete, accurate, current, uninterrupted, secure, or free from errors.

Website content may be changed, updated, removed, or replaced at any time without prior notice. Persis is not obligated to update website content and does not guarantee that any information remains current after publication.

Third-Party Websites and Links

This website may contain links to websites, portals, payment processors, insurance carrier websites, document platforms, quote platforms, government websites, or other third-party resources. These links are provided for convenience only.

Persis does not own, control, endorse, guarantee, or assume responsibility for third-party websites, products, services, privacy practices, security practices, accuracy, availability, or content.

Your use of any third-party website is at your own risk and subject to the terms, conditions, and privacy policies of that third party.

Payments

If this website provides access to payment links or third-party payment platforms, such services may be operated by third-party vendors, carriers, premium finance companies, or payment processors.

Payments are subject to the terms, conditions, processing times, fees, and policies of the applicable payment provider, carrier, or premium finance company. Submission of payment does not guarantee that coverage is bound, reinstated, renewed, or continued unless confirmed in writing by Persis or the applicable insurance carrier.

You are responsible for ensuring that payments are made timely and in the correct amount. Persis is not responsible for late payments, failed payments, declined transactions, insufficient funds, payment processing delays, or cancellation of coverage resulting from nonpayment.

Electronic Communications

When you communicate with Persis through this website, by email, by telephone, by text message, through online forms, through document upload, or by other electronic means, you consent to receive communications from Persis electronically, subject to applicable law.

Electronic communications may not be secure, immediate, error-free, or continuously monitored. You should not use website forms, email, voicemail, text messages, or other electronic communications for urgent insurance matters unless and until you receive confirmation from Persis or the applicable carrier.

Persis is not responsible for delays, transmission errors, undelivered messages, spam filtering, technical failures, unauthorized access, or other issues affecting electronic communications.

Where California law requires consent for certain electronic records, notices, or transmissions, Persis will handle such communications in accordance with applicable legal requirements.

Text Messages and Telephone Communications

By providing your telephone number to Persis, you authorize Persis to contact you by telephone, voicemail, and text message regarding your inquiries, quote requests, applications, policies, renewals, billing, claims, documents, appointments, and other insurance-related matters, subject to applicable law.

Message and data rates may apply. You may opt out of non-essential text communications where required by law. Opting out of certain communications may affect Persis’s ability to provide timely service.

Persis does not guarantee the security, delivery, timing, or confidentiality of text messages or voicemail communications.

Privacy and California Privacy Rights

Your use of this website may involve the collection, use, storage, and disclosure of personal information. Persis handles personal information in accordance with its Privacy Policy and applicable privacy laws.

California residents may have certain privacy rights under California law, including rights relating to access, deletion, correction, and control of certain personal information, depending on whether the law applies to Persis and the nature of the information collected.

Our Privacy Policy provides additional information about the categories of information we collect, how we use information, how we share information, data retention, security, and available privacy choices.

By using this website, you acknowledge that you have reviewed or had the opportunity to review our Privacy Policy.

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, trade names, service marks, trademarks, images, icons, design elements, layout, documents, videos, forms, downloads, and other materials, is owned by or licensed to Persis unless otherwise stated.

You may view, download, or print limited portions of the website solely for your personal, non-commercial use, provided that you do not modify the content or remove any copyright, trademark, or proprietary notices.

You may not copy, reproduce, distribute, publish, display, modify, transmit, sell, license, create derivative works from, or otherwise exploit any website content without the prior written consent of Persis.

Permitted Use

You agree to use this website only for lawful purposes and in accordance with these Terms and Conditions. You agree not to use this website in any manner that could damage, disable, overburden, impair, interfere with, or disrupt the website or any related systems, networks, or services.

You agree not to:

Use this website for any fraudulent, unlawful, misleading, abusive, or unauthorized purpose;
Submit false, inaccurate, incomplete, or misleading information;
Attempt to gain unauthorized access to any website, server, system, database, account, or network;
Upload or transmit viruses, malware, harmful code, or disruptive materials;
Use automated tools, bots, scraping tools, spiders, or similar technologies to access or collect website content without authorization;
Interfere with the security, functionality, or operation of the website;
Impersonate any person or entity;
Violate the rights of Persis or any third party; or
Use the website in violation of applicable federal, California, or local law.

Disclaimer of Warranties

This website and all content, materials, information, features, links, and services made available through it are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied.

To the fullest extent permitted by law, Persis disclaims all warranties, including but not limited to warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, non-infringement, availability, security, and uninterrupted operation.

Persis does not warrant that the website will be free from errors, viruses, malware, harmful components, interruptions, delays, unauthorized access, or security breaches.

Limitation of Liability

To the fullest extent permitted by California law and applicable federal law, Persis, its officers, directors, shareholders, employees, agents, representatives, producers, affiliates, successors, and assigns shall not be liable for any direct, indirect, incidental, consequential, special, punitive, exemplary, or similar damages arising out of or related to your access to, use of, or inability to use this website or any content, communication, service, link, or information provided through this website.

This limitation applies regardless of the legal theory asserted, including contract, negligence, tort, strict liability, statutory claim, or otherwise, even if Persis has been advised of the possibility of such damages.

Nothing in these Terms and Conditions is intended to limit any rights or remedies that cannot lawfully be limited under California law.

Indemnification

You agree to indemnify, defend, and hold harmless Persis, its officers, directors, shareholders, employees, agents, representatives, producers, affiliates, successors, and assigns from and against any claims, damages, losses, liabilities, costs, expenses, penalties, or demands, including reasonable attorneys’ fees, arising out of or related to:

Your use or misuse of this website;
Your violation of these Terms and Conditions;
Your submission of false, inaccurate, incomplete, or misleading information;
Your violation of any applicable federal, California, or local law;
Your violation of any rights of another person or entity; or
Your unauthorized use of website content, systems, or communications.

Availability and Security

Persis does not guarantee that this website will be available at all times or that access will be uninterrupted, secure, or error-free. Website access may be suspended, limited, or unavailable due to maintenance, updates, technical issues, security concerns, internet outages, third-party service interruptions, or circumstances beyond our control.

You are responsible for maintaining the security of your own devices, internet connection, software, passwords, and communications. Persis is not responsible for losses or damages resulting from your failure to maintain appropriate security measures.

Claims

This website may provide general claim reporting information or links to insurance carrier claim departments. However, submitting information through this website does not guarantee that a claim has been reported to the insurance carrier.

If you need to report a claim, you should contact Persis directly and/or contact the applicable insurance carrier using the claim reporting information provided in your policy documents. You are responsible for complying with all claim reporting requirements, deadlines, duties after loss, and conditions stated in your policy.

Minors

This website is intended for use by individuals who are at least 18 years of age or the age of majority in their jurisdiction. Persis does not knowingly solicit information from minors through this website.

Governing Law and Venue

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of California, without regard to conflict of law principles, unless otherwise required by applicable law.

To the extent permitted by law, any dispute arising out of or related to this website or these Terms and Conditions shall be brought in a court of competent jurisdiction located in the State of California.

Severability

If any provision of these Terms and Conditions is found to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be interpreted or replaced to the extent necessary to best accomplish the original intent of the provision in a lawful and enforceable manner.

No Waiver

Persis’s failure to enforce any provision of these Terms and Conditions shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by an authorized representative of Persis.

Entire Agreement

These Terms and Conditions, together with the Privacy Policy and any other legal notices posted on this website, constitute the entire agreement between you and Persis regarding your use of this website and supersede any prior or contemporaneous communications relating to the website.

Contact Information

If you have questions regarding these Terms and Conditions, you may contact:

Persis Insurance and Financial Services Corporation
Website: https://persisifs.com
Website: https://www.persisifs.com
Phone: (818) 412-4800
Email: Legal@PersisIFS.com
Mailing Address: P.O. Box 8159, Calabasas, CA 91372
California License No.: 6017063

California consumers may also contact the California Department of Insurance for licensing and consumer assistance information.

Effective Date: 09/07/2026