Agreement between User and psia-ins.com

Welcome to psia-ins.com. The psia-ins.com website (the "Site") is comprised of various web pages 
operated by Preferred Solutions Insurance Agency ("Preferred Solutions"). psia-ins.com is offered 
to you conditioned on your acceptance without modification of the terms, conditions, and notices 
contained herein (the "Terms"). Your use of psia-ins.com constitutes your agreement to all such 

Terms. Please read these terms carefully and keep a copy of them for your reference.

psia-ins.com is an Insurance Agency Site.

 

The website provides information on insurance products and services that our agency offers clients.

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Privacy
Your use of psia-ins.com is subject to Preferred Solution's Privacy Policy. Please review our 
Privacy Policy, which also governs the Site and informs users of our data collection practices.

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Electronic Communications
Visiting psia-ins.com or sending emails to Preferred Solutions constitutes electronic 
communications. You consent to receive electronic communications and you agree that all agreements, 
notices, disclosures and other communications that we provide to you electronically, via email and 
on the Site, satisfy any legal requirement that such communications be in writing.

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Children Under Thirteen
Preferred Solutions does not knowingly collect, either online or offline, personal information from 
persons under the age of thirteen. If you are under 18, you may use psia-ins.com only with 
permission of a parent or guardian.

Links to Third Party Sites/Third Party Services
psia-ins.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under 
the control of Preferred Solutions and Preferred Solutions is not responsible for the contents of 
any Linked Site, including without limitation any link contained in a Linked Site, or any changes 
or updates to a Linked Site. Preferred Solutions is providing these links to you only as a 
convenience, and the inclusion of any link does not imply endorsement by Preferred Solutions of the 
site or any association with its operators.

Certain services made available via psia-ins.com are delivered by third party sites and 
organizations. By using any product, service or functionality originating from the psia-ins.com 
domain, you hereby acknowledge and consent that Preferred Solutions may share such information and 
data with any third party with whom Preferred Solutions has a contractual relationship to provide 
the requested product, service or functionality on behalf of psia-ins.com users and customers.

No Unlawful or Prohibited Use/Intellectual Property
You are granted a non-exclusive, non-transferable, revocable license to access and use psia- 
ins.com strictly in accordance with these terms of use. As a condition of your use of the Site, you 
warrant to Preferred Solutions that you will not use the Site for any purpose that is unlawful or 
prohibited by these Terms. You may not use the Site in any manner which could damage, disable, 
overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site.
You may not obtain or attempt to obtain any materials or information through any means not 
intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the 
compilation thereof, and any software used on the Site, is the property of Preferred Solutions or 
its suppliers and protected by copyright and other laws that protect intellectual property and 
proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, 
legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, 
create derivative works, or in any way exploit any of the content, in whole or in part, found on 
the Site. Preferred Solutions content is not for resale. Your use of the Site does not entitle you 
to make any unauthorized use of any protected content, and in particular you will not delete or 
alter any proprietary rights or attribution notices in any content. You will use protected content 
solely for your personal use, and will make no other use of the content without the express written 
permission of Preferred Solutions and the copyright owner. You agree that you do not acquire any 
ownership rights in any protected content. We do not grant you any licenses, express or implied, to 
the intellectual property of Preferred Solutions or our licensors except as expressly authorized by 
these Terms.

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Third Party Accounts
You will be able to connect your Preferred Solutions account to third party accounts. By connecting 
your Preferred Solutions account to your third party account, you acknowledge and agree that you 
are consenting to the continuous release of information about you to others (in accordance with 
your privacy settings on those third party sites). If you do not want information about you to be 
shared in this manner, do not use this feature.

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International Users
The Service is controlled, operated and administered by Preferred Solutions from our offices within 
the USA. If you access the Service from a location outside the USA, you are responsible for 
compliance with all local laws. You agree that you will not use the Preferred Solutions Content 
accessed through psia-ins.com in any country or in any manner prohibited by any applicable laws, 
restrictions or regulations.

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Indemnification
You agree to indemnify, defend and hold harmless Preferred Solutions, its officers, directors, 
employees, agents and third parties, for any losses, costs, liabilities and expenses (including 
reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site 
or services, any user postings made by you, your violation of any terms of this Agreement or your
violation of any rights of a third party, or your violation of any applicable laws, rules or 
regulations. Preferred Solutions reserves the right, at its own cost, to assume the exclusive 
defense and control of any matter otherwise subject to indemnification by you, in which event you 
will fully cooperate with Preferred Solutions in asserting any available defenses.

 

 

Arbitration
In the event the parties are not able to resolve any dispute between them arising out of or 
concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or 
otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved 
only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a 
single neutral arbitrator and administered by the American Arbitration Association, or a similar 
arbitration service selected by the parties, in a location mutually agreed upon by the parties. The 
arbitrator's award shall be final, and judgment may be entered upon it in any court having 
jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out 
of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its 
costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in 
regards to these Terms and Conditions or any disputes arising as a result of these Terms and 
Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms 
and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and 
enforcement of this provision. The entire dispute, including the scope and enforceability of this 
arbitration provision shall be determined by the Arbitrator. This arbitration provision shall 
survive the termination of these Terms and Conditions.

Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class 
arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT 
A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A 
PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Preferred Solutions agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

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Liability Disclaimer
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY 
INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION 
HEREIN. PREFERRED SOLUTIONS INSURANCE AGENCY AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR 
CHANGES IN THE SITE AT ANY TIME.

PREFERRED SOLUTIONS INSURANCE AGENCY AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE 
SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, 
PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. PREFERRED SOLUTIONS INSURANCE AGENCY AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND 
NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PREFERRED SOLUTIONS INSURANCE AGENCY AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF PREFERRED SOLUTIONS INSURANCE AGENCY OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY 
PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO 
DISCONTINUE USING THE SITE.

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Termination/Access Restriction
Preferred Solutions reserves the right, in its sole discretion, to terminate your access to the 
Site and the related services or any portion thereof at any time, without notice. To the maximum 
extent permitted by law, this agreement is governed by the laws of the State of California and you 
hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes 
arising out of or relating to the use of the Site. Use of the Site is unauthorized in any 
jurisdiction that does not give effect to all provisions of these Terms, including, without 
limitation, this section.

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You agree that no joint venture, partnership, employment, or agency relationship exists between you 
and Preferred Solutions as a result of this agreement or use of the Site. Preferred Solution's 
performance of this agreement is subject to existing laws and legal process, and nothing contained 
in this agreement is in derogation of Preferred Solution's right to comply with governmental, 
court and law enforcement requests or requirements relating to your use of the Site or information 
provided to or gathered by Preferred Solutions with respect to such use. If any part of this

agreement is determined to be invalid or unenforceable pursuant to applicable law including, but 
not limited to, the warranty disclaimers and liability limitations set forth above, then the 
invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that 
most closely matches the intent of the original provision and the remainder of the agreement shall 
continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user 
and Preferred Solutions with respect to the Site and it supersedes all prior or contemporaneous 
communications and proposals, whether electronic, oral or written, between the user and
Preferred Solutions with respect to the Site. A printed version of this agreement and of any notice 
given in electronic form shall be admissible in judicial or administrative proceedings based upon 
or relating to this agreement to the same extent and subject to the same conditions as other 
business documents and records originally generated and maintained in printed form. It is the 
express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms
Preferred Solutions reserves the right, in its sole discretion, to change the Terms under which 
psia- ins.com is offered. The most current version of the Terms will supersede all previous 
versions.
Preferred Solutions encourages you to periodically review the Terms to stay informed of our 
updates.

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Contact Us
Preferred Solutions welcomes your questions or comments regarding the Terms:
Preferred Solutions Insurance Agency 26895 Aliso Creek Rd Ste B-577 Aliso Viejo, California 92656
 

Email Address: service@psia-ins.com

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Effective as of April 01, 2022