Last Updated: December 28, 2025
Welcome to Kyle Insurance EPCO. By accessing or using our website and services, you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any such changes constitutes your acceptance of the new terms.
You must be at least 18 years of age to use our services. By using our website and services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these terms.
When you create an account with us, you agree to:
You agree not to use our services to:
You agree to provide accurate and truthful information when requesting quotes or applying for insurance coverage. Providing false or misleading information may result in denial of coverage or cancellation of your policy.
Quotes provided through our website are estimates based on the information you provide. Final premium rates and coverage terms are determined by the insurance carrier and may differ from initial quotes. We reserve the right to decline any application for coverage.
Submitting an application does not guarantee approval or issuance of an insurance policy. All applications are subject to underwriting review and approval by the insurance carrier.
All content on our website, including text, graphics, logos, images, and software, is the property of Kyle Insurance EPCO or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from our website without our express written permission.
Our website may contain links to third-party websites or services that are not owned or controlled by Kyle Insurance EPCO. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party content, goods, or services.
Our services are provided on an "as is" and "as available" basis. We make no warranties or representations about the accuracy, reliability, or completeness of our content or services.
To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the maximum extent permitted by law, Kyle Insurance EPCO shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services.
Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid us for services in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless Kyle Insurance EPCO, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:
By using our services, you consent to receive communications from us, including:
You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly.
We reserve the right to suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Upon termination, your right to use our services will immediately cease.
All provisions of these Terms and Conditions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
These Terms and Conditions 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 from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Kyle Insurance EPCO regarding the use of our services.
Our failure to enforce any right or provision of these terms shall not be deemed a waiver of such right or provision.
If you have any questions or concerns about these Terms and Conditions, please contact us:
Phone: +1 (415) 475-1021
Email: [email protected]
Address: 1390 Market Street, San Francisco CA 94102