Terms of Service

1. Use of the site

By using hsocal.com you agree to these terms. The information on this site is general and educational. It is not insurance advice tailored to your situation — that requires a conversation with a licensed agent.

2. Quotes and applications

Quotes provided through this site are estimates and subject to underwriting, carrier acceptance, and policy issuance. Actual rates and coverage depend on the carrier's evaluation of your application.

3. Intellectual property

All content on this site is owned by Harmony SoCal Insurance Services or licensed for our use. You may not copy, reproduce, or distribute it without permission.

4. Third-party links

We may link to third-party sites for convenience. We do not control or endorse them.

5. Limitations

To the maximum extent permitted by law, we disclaim warranties and limit liability for indirect or consequential damages.

6. Governing law

These terms are governed by California law. Any dispute will be resolved in Orange County, California.