Terms of Use

1. Acceptance of these terms

These Terms of Use ("Terms") are an agreement between you and Raquel Jimenez Insurance ("we," "us," or "our") governing your use of raqueljimenezinsurance.com (the "Site"). By using the Site or submitting a quote request, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

You must be at least 18 years old and legally able to enter into contracts to use this Site.

2. About our agency

Raquel Jimenez Insurance is an independent insurance agency located at 3320 S Dodge Blvd, Tucson, AZ 85713, appointed with Farmers Insurance and licensed to transact insurance in the State of Arizona under License #7684338 ().

We are licensed in Arizona. We cannot quote, sell, or service insurance in states where we are not licensed. Products, coverages, discounts, and eligibility vary by state, by carrier, and by individual circumstances, and not everything described on this Site is available to every applicant.

This Site is an advertisement for insurance. We are an insurance agency, not an insurance company. Policies are issued and underwritten by the insurance carriers, and coverage decisions, claim decisions, and policy terms are made by those carriers according to the policy contract.

3. No coverage is bound here

Do not cancel existing insurance based on a quote from this Site. Wait until your new policy is issued and confirmed in writing.

4. Quotes and estimates

A quote is an estimate of what a policy may cost based on the information you provide. It is not an offer to insure and it is not a contract.

The final premium a carrier charges is determined by underwriting and often differs from an initial quote. Carriers verify the information you supply and typically review additional sources, including motor vehicle records, insurance loss history reports, prior claims databases, and — where permitted by Arizona law — other rating factors. Any of these can change your price or affect your eligibility.

Savings figures, average savings claims, and discount amounts shown on this Site are illustrative, reflect the experience of some customers, and are not a promise of what you will save. Your results depend entirely on your own circumstances, your current coverage, and the carrier's rating of your risk. Many people save nothing by switching, and some pay more.

5. The rate estimator

The rate estimator on our Site is an educational tool. It uses generalized assumptions to illustrate roughly how insurance is priced. It is not a quote, it does not reflect any carrier's actual rating algorithm, and no carrier has reviewed or approved its output. Do not make coverage decisions based on it. For an actual quote, use our quote form or call us.

6. Your information must be accurate

You agree to provide information that is accurate, current, and complete, and to promptly correct anything that changes. Insurance pricing depends entirely on the accuracy of what you tell us.

Providing false or incomplete information on an insurance application is serious. It can void your policy, cause a claim to be denied, and in some circumstances constitutes insurance fraud under Arizona law. You also agree not to submit information about another person without their permission, and not to use this Site to submit fraudulent, automated, or abusive requests.

You agree not to interfere with the Site's operation, attempt to gain unauthorized access to any system, scrape or harvest data from it, or use it in violation of any law.

7. Consent to be contacted

When you submit our quote form, you provide your express written consent for Raquel Jimenez Insurance, and licensed agents working with us, to contact you at the phone number and email address you provided — including by automatic telephone dialing system, prerecorded or artificial voice, and text message — about insurance, even if that number is on a federal or state Do Not Call registry.

Consent is not a condition of purchasing any product or service. You may decline and still get a quote by calling us at (520) 889-5766. Message and data rates may apply, and message frequency varies.

You can withdraw consent at any time: reply STOP to any text message, tell any member of our team, or contact us using the details below. Withdrawing consent for marketing does not stop communications necessary to service a policy you hold with us.

8. E-SIGN consent

Under the federal Electronic Signatures in Global and National Commerce Act ("E-SIGN") and the Arizona Uniform Electronic Transactions Act, you consent to conduct business with us electronically and agree that:

• Your electronic signature — including clicking a button, checking a box, or typing your name — has the same legal effect as a handwritten signature
• We may provide disclosures, notices, policy documents, and other records to you electronically, including by email or by posting them online
• Electronic records satisfy any legal requirement that such records be in writing

Hardware and software you need: a device with internet access, a current web browser, an active email account, and the ability to view PDF files and to print or save records you want to keep.

Your right to paper: you may request a paper copy of any record we provide electronically, at no charge, by contacting us. Requesting paper copies does not withdraw your consent.

Withdrawing consent: you may withdraw your consent to electronic records at any time by contacting us using the details below. Withdrawal takes effect once we have had a reasonable time to process it, and may mean we cannot offer certain services online. Please keep your email address current with us so we can deliver records to you.

9. Intellectual property

The Site's design, text, graphics, and code are owned by Raquel Jimenez Insurance or its licensors and are protected by intellectual property law. You may view and print pages for your own personal, non-commercial use in evaluating insurance. You may not copy, republish, or use our content commercially without our written permission.

"Farmers," the Farmers logo, and related marks belong to Farmers Insurance Group and its affiliates and are used under our appointment. Other trademarks and carrier logos on this Site belong to their respective owners, and their appearance does not imply endorsement of us by those companies.

10. Third-party links and services

Our Site links to and relies on services we do not control, including Farmers Insurance, Google Maps, and our social media profiles. We are not responsible for the content, accuracy, availability, or practices of third-party sites and services, and a link is not an endorsement. Your use of them is governed by their own terms.

11. Disclaimer of warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the content is accurate, complete, or current. Insurance information changes constantly, and content on this Site may become outdated. Nothing on this Site is legal, tax, or financial advice.

12. Limitation of liability

To the fullest extent permitted by law, Raquel Jimenez Insurance and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or business interruption, arising out of or relating to your use of the Site — even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the Site or these Terms will not exceed one hundred dollars ($100).

These limits apply to claims based on the Site and these Terms. They do not limit any rights you have under an insurance policy actually issued to you, or any obligation we owe you under Arizona insurance law as your licensed agent. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

13. Indemnification

You agree to indemnify and hold harmless Raquel Jimenez Insurance and its owners, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your misuse of the Site, your violation of these Terms or any law, or your submission of false information or of another person's information without their authorization.

14. Arbitration and class action waiver

Informal resolution first

Most problems can be solved with a phone call. Before starting arbitration, you agree to contact us at (520) 889-5766 or the address below and give us 60 days to try to resolve the dispute informally. We will do the same for you.

Agreement to arbitrate

If we cannot resolve it, you and Raquel Jimenez Insurance agree that any dispute arising out of or relating to these Terms or your use of the Site will be resolved by binding individual arbitration rather than in court, except as stated below. This agreement is governed by the Federal Arbitration Act.

Arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, in Pima County, Arizona, or — at your election — by telephone, by video, or based on written submissions. Where the AAA Consumer Arbitration Rules require us to bear the costs of arbitration, we will do so. The arbitrator may award any relief available in court on an individual basis, and the arbitrator's decision is final and binding.

What is excluded

This section does not apply to:

• Disputes about insurance coverage, claims, or the terms of a policy issued to you — those are governed by the policy contract, by Arizona insurance law, and by any dispute resolution provisions in the policy itself
• Individual claims properly brought in small claims court
• Requests for injunctive relief to stop infringement or misuse of intellectual property
• Any claim that applicable law provides may not be arbitrated, including claims for public injunctive relief, which may be brought in court

Class action waiver

You and we agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding. If this class action waiver is found unenforceable as to a particular claim, that claim — and only that claim — will proceed in court, and the rest of this section still applies.

Your right to opt out

This arbitration agreement survives the termination of your relationship with us.

15. Governing law and venue

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of laws rules. For any dispute not subject to arbitration, you and we agree to the exclusive jurisdiction and venue of the state and federal courts located in Pima County, Arizona.

If any provision of these Terms is held unenforceable, that provision will be limited or severed and the remaining provisions will stay in effect. Our failure to enforce any provision is not a waiver of it. These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Site.

16. Changes to these terms

We may update these Terms from time to time. Changes take effect when posted, and we will update the "Last updated" date at the top of this page. Your continued use of the Site after a change means you accept the revised Terms. Material changes to the arbitration section will not apply retroactively to disputes we already know about.

17. How to reach us

Questions about these Terms, or about anything on this Site:

To file a complaint about an insurance matter, you may contact the Arizona Department of Insurance and Financial Institutions (DIFI) at (602) 364-2499 or (800) 325-2548, or file online at difi.az.gov/file-a-complaint.