Saucedo Insurance & Financial, www.saucedoinsurance.com, is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this website, www.saucedoinsurance.com, constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

Saucedo Insurance & Financial reserves the right to change the terms, conditions, and notices under which

Saucedo Insurance & Financial website is offered, including but not limited to the charges associated with the use of

Saucedo Insurance & Financial Website.

LINKS TO THIRD PARTY SITES

Saucedo Insurance & Financial website may contain links to other Websites ("Linked Sites"). The Linked Sites are not under the control of

Saucedo Insurance & Financial 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.

Saucedo Insurance & Financial is not responsible for webcasting or any other form of transmission received from any Linked Site.

Saucedo Insurance & Financial is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Saucedo Insurance & Financial of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of Saucedo Insurance & Financial website, you warrant to

Saucedo Insurance & Financial that you will not use Saucedo Insurance & Financial website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use Saucedo Insurance & Financial website in any manner which could damage, disable, overburden, or impair Saucedo Insurance & Financial website or interfere with any other party's use and enjoyment of Saucedo Insurance & Financial website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through Daniel Saucedo's website.

USE OF COMMUNICATION SERVICES

Saucedo Insurance & Financial website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary cosents.

Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.

Conduct or forward surveys, contests, pyramid schemes or chain letters.

Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.

Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.

Restrict or inhibit any other user from using and enjoying the Communication Services.

Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.

Harvest or otherwise collect information about others, including e-mail addresses, without their consent.

Violate any applicable laws or regulations.

Saucedo Insurance & Financial has no obligation to monitor the Communication Services. However, Saucedo Insurance & Financial reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Saucedo Insurance & Financial reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

LIABILITY DISCLAIMER

The information, software, products, and services included in or available through Saucedo Insurance & Financial website may include inaccuracies or typographical errors. Changes are periodically added to the information herein. This practice and/or its suppliers may make improvements and/or changes in Saucedo Insurance & Financial website at any time. Advice received via this practice website should not be relied upon for personal, medical, legal, or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

Saucedo Insurance & Financial 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 Saucedo Insurance & Financial website 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. This practice 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 Saucedo Insurance & Financial 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 Saucedo Insurance & Financial website, with the delay or inability to use Saucedo Insurance & Financial website or related services, the provision of or failure to provide services, or for any information, software, products, services, and related graphics obtained through Saucedo Insurance & Financial website, or otherwise arising out of the use of Saucedo Insurance & Financial website, whether based on contract, tort, negligence, strict liability or otherwise, even if Saucedo Insurance & Financial 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 Saucedo Insurance & Financial website, or with any of these terms of use, your sole and exclusive remedy is to discontinue using
Saucedo Insurance & Financial website.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of this website are Copyright © 2025
Saucedo Insurance & Financial. All Rights Reserved. All logos are trademarks and service marks of
Saucedo Insurance & Financial. All other trademarks, service marks and logos used in this website are the property of their respective owners.

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

NOTICES

Please contact us by phone at (562) 608-88161 or by email at [email protected] or by mail at 235 E Broadway, #520 Long Beach CA 90802.

Privacy Policy

This Privacy Policy applies to all websites owned and operated by Saucedo Insurance & Financial. The purpose of this policy is to tell you more about the information that we collect about you and what we do with it.

Protecting your private information is our priority.

Saucedo Insurance & Financial is a licensed insurance agency that owns and
operates websites that offer online insurance quotes and a connection to a licensed insurance agent.

By using this site, you acknowledge that you have read and agree to the Terms of Service and Privacy Policy.

You consent to the data practices described in this policy.

Collection of your Personal Information In
order to better provide you with products and services that we offer, Saucedo
Insurance & Financial may collect personally identifiable information, such as your
First and Last Name,

Mailing Address, Email Address, and Phone Number. Saucedo
Insurance & Financial Agency may

also collect anonymous demographic information, which is not
unique to you, such as your Age and Gender.

We do not collect any personal information about you unless you
voluntarily provide it to us. However, you may be required to provide certain
personal information to us when you elect to use certain products or services.

These may include: (a) registering for an account; (b)
entering a sweepstakes or contest sponsored by us or one of our partners; (c)
signing up for special offers from selected third parties; (d) sending us an
email message; (e) submitting your credit card or other payment information
when ordering and purchasing products and services. To wit, we will use your information
for, but not limited to, communicating with you in relation to services and/or
products you have requested from us. We also may gather additional personal or
non-personal information in the future.

Use of your Personal Information

Saucedo Insurance & Financial collects and uses your
personal information to operate and deliver the services you have requested on
our website.

Saucedo Insurance & Financial may also use your personally identifiable information to inform you
of other products or services available from Saucedo Insurance & Financial and its affiliates. Sharing Information with Third Parties

Saucedo Insurance & Financial may sell, rent, or lease customer information to third parties for the following reasons:

We connect consumers with licensed insurance agents across the
country to assist them in finding the best insurance plans to meet their needs.

Saucedo Insurance & Financial may, from time to time, contact you on behalf of external business partners about a particular offering
that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is
transferred to a third party.

Saucedo Insurance & Financial may share data with
trusted partners to help perform statistical analysis, send you email or postal
mail, provide customer support, or arrange for deliveries. All such third
parties are prohibited from using your personal information except to provide
these services to Saucedo Insurance & Financial, and they are required to
maintain the confidentiality of your information.

Saucedo Insurance & Financial may disclose your personal information, without notice, if required to do so by law or in the good faith belief
that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Saucedo Insurance
& Financial or the site; (b) protect and defend the rights or property of Saucedo
Insurance & Financial; and/or (c) act under exigent circumstances to
protect the personal safety of users of Saucedo Insurance & Financial, or the public.

Opt-Out of Sale or Disclosure of Personal Information to Third Parties in connection with any personal information we may sell or disclose
to a third party for a business purpose, you have the right to know:

The categories of personal information about you that we sold and the categories of
third parties to whom the personal information was sold; and The categories of
personal information that we disclosed about you for a business purpose.

You have the right under the California Consumer Privacy Act
of 2018 (CCPA) and certain other privacy and data protection laws, as applicable,
to opt out of the sale or disclosure of your personal information.

If you exercise your right to opt-out of the sale or
disclosure of your personal information, we will refrain from selling or
disclosing your personal information, unless you subsequently provide express
authorization for the sale or disclosure of your personal information.

Automatically Collected Information about your computer
hardware and software may be automatically collected by Saucedo Insurance & Financial.

This information can include your IP address, browser type, domain names,
access times, and referring website addresses that you visit. This information
is used for the operation of the service, to maintain the quality of the
service, and to provide general statistics regarding the use of the Saucedo
Insurance & Financial Agency website.

Use of Communication Services 

The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. 

By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including email addresses, without their consent; violate any applicable laws or regulations.  Saucedo Insurance & Financial has no obligation to monitor the Communication Services.

However, Saucedo Insurance & Financial reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion.

Saucedo Insurance & Financial reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.  Saucedo Insurance & Financial reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, is Saucedo Insurance & Financial sole discretion. 

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Saucedo Insurance & Financial does not control or endorse the content, messages or information found in any Communication Service and, therefore, Saucedo Insurance & Financial specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service.

Managers and hosts are not authorized Saucedo Insurance Agency spokespersons, and their views do not necessarily reflect those of Saucedo Insurance & Financial. Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.  Materials Provided to.Saucedoinsurance.com or Posted on Any Saucedo Insurance & Financial Web Page does not claim ownership of the materials you provide to .Saucedoinsurance.com including feedback and suggestions) or post, upload, input or submit to any Saucedo Insurance & Financial or our associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Saucedo Insurance & Financial, our affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission. 

No compensation will be paid with respect to the use of your Submission, as provided herein. Saucedo Insurance Agency is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Saucedo Insurance & Financial sole discretion.  By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions. 

Use of Cookies

Saucedo Insurance & Financial websites may use "cookies"
to help you personalize your online experience. A cookie is a text file that is
placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your
computer. Cookies are uniquely assigned to you, and can only be read by a web
server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience
feature to save you time. The purpose of a cookie is to tell the Web server
that you have returned to a specific page. For example, if you personalize
Saucedo Insurance & Financial pages, or register with Saucedo Insurance
& Financial or services, a cookie helps Saucedo Insurance Agency to recall
your specific information on subsequent visits. This simplifies the process of recording
your personal information, such as billing addresses, shipping addresses, and
so on. When you return to the same Saucedo Insurance & Financial website,
the information you previously provided can be retrieved, so you can easily use
the Saucedo Insurance Agency features that you customized.

You have the ability to accept or decline cookies. Most Web browsers
automatically accept cookies, but you can usually modify your browser setting
to decline cookies if you prefer. If you choose to decline cookies, you may not
be able to fully experience the interactive features of the Saucedo Insurance &
Financial services or websites you

visit.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable
license to access and use IUL.Saucedoinsurance.com strictly in accordance with
these terms of use. As a condition of your use of the Site, you warrant to that
you will not use the Site Saucedo Insurance & Financial AGNCY 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 SAUCEDO INSURANCE AGNCY 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. Saucedo Insurance &
Financial 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 Saucedo
Insurance & Financial 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 Saucedo Insurance
& Financial or our licensors except as expressly authorized by these Terms. 

Links

This website contains links to other sites. Please be aware that
we are not responsible for the content or privacy practices of such other sites.
We encourage our users to be aware when they leave our site and to read the
privacy statements of any other site that collects personally identifiable information.

Security of your Personal Information Saucedo Insurance
& Financial secures your personal information from unauthorized access,
use, or disclosure. Saucedo Insurance & Financial uses the following
methods for this purpose:

SSL Protocol

McAfee Secure

TrustedSite

Trustwave

When personal information (such as a credit card number) is transmitted
to other websites, it is protected through the use of encryption, such as the
Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against
unauthorized access to or alteration of your personal information.

Unfortunately, no data transmission over the Internet or any
wireless network can be guaranteed to be 100% secure. As a result, while we
strive to protect your personal information, you acknowledge that: (a) there
are security and privacy limitations inherent to the Internet which are beyond
our control; and (b) security, integrity, and privacy of any and all
information and data exchanged between you and us through this Site cannot be
guaranteed.

Right to Deletion

Subject to certain exceptions set out below, on receipt of a
verifiable request from you, we will:

Delete your personal information from our records; and Direct
any service providers to delete your personal information from their records.

Please note that we may not be able to comply with requests to
delete your personal information if it is necessary to: Complete the
transaction for which the personal information was collected, fulfill the terms
of a written warranty or product recall conducted in accordance with federal
law, provide a good or service requested by you, or reasonably anticipated
within the context of our ongoing business relationship with you, or otherwise
perform a contract between you and us;

Detect security incidents, protect against malicious, deceptive,
fraudulent, or illegal activity; or prosecute those responsible for that
activity.

Debug to identify and repair errors that impair existing intended
functionality;

Exercise free speech, ensure the right of another consumer to
exercise his or her right of free speech, or exercise another right provided for
by law; Comply with the California Electronic Communications Privacy Act;

Engage in public or peer-reviewed scientific, historical, or
statistical research in the public interest that adheres to all other applicable
ethics and privacy laws, when our deletion of the information is likely to
render impossible or seriously impair the achievement of such research,
provided we have obtained your informed consent; Enable solely internal uses
that are reasonably aligned with your expectations based on your relationship
with us; Comply with an existing legal obligation; or

Otherwise use your personal information, internally, in a lawful
manner that is compatible with the context in which you provided the information.

Children Under Thirteen

Saucedo Insurance Agency collects personally identifiable information
from children under the age of thirteen.

Saucedo Insurance & Financial collects
this information for the following reason(s): To obtain quotes for family
health or dental insurance coverage. This information is limited to age and
gender..

We provide information about our personal data practices for
children on our home page and wherever we knowingly collect personal data from children
on our website. If you are under the age of thirteen, you must ask your parent
or guardian for permission to use this website. If you are a parent and you
have questions regarding our data collection practices, please contact us using
the information provided at the end of this Statement of Privacy.

Opt-Out & Unsubscribe from Third Party Communications. We
respect your privacy and give you an opportunity to opt out of receiving
announcements of certain information. Users may opt-out of receiving any or all
communications from third-party partners of

Saucedo Insurance & Financial by contacting us here:

- Email: [email protected]

- Phone: 562-608-8816

E-mail Communications

From time to time, Saucedo Insurance & Financial may
contact you via email for the purpose of providing announcements, promotional
offers, alerts, confirmations, surveys, and/or other general communication. In
order to improve our Services, we may receive a notification when you open an
email from Saucedo Insurance & Financial or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from

Saucedo Insurance & Financial, you may opt out of such communications by clicking on the UNSUBSCRIBE button.

External Data Storage Sites . We may store your data on servers provided by third-party

hosting vendors with whom we have contracted.

The Services  Saucedo Insurance & Financial is an insurance agency. Through this Site, we provide online quotes  and enrollment into plans provided by third party partners across the country. Third-party partners include insurance companies, IUL.Saucedoinsurance.com marketing partners, and affiliates with whom we may share your information. Please see the Privacy Policy for more details.  Through IUL.Saucedoinsurance.com We also connect consumers with independent licensed insurance agents to assist tem in finding the right coverage for themselves and their families. 

Any quotes provided on the Site or over the phone are non-binding. The final insurance premium for any policy is determined following application by the underwriting insurance company. Insurance plans and their availability may vary by state. The third-party insurance plans offered through the Site are only available in the jurisdictions in which we are properly licensed.  Indemnification 

You agree to indemnify, defend and hold harmless Saucedo Insurance & Financial Agency, 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. Saucedo Insurance & Financial
Agency 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 Saucedo Insurance & Financial Agency 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 individual’s capacity, and not as a plaintiff or
class member in any putative class, collective and/or representative
proceeding, such general action against the

other. 

Further, unless both you and Saucedo Insurance & Financial
Agency 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. 

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. SAUCEDO INSURANCE
& FINANCIAL Agency AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR
CHANGES IN THE SITE AT ANY TIME. 

SAUCEDOINSURANCE&FINANCIAL

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. SAUCEDOINSURANCE&FINANCIAL 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 Saucedo 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 SAUCEDOINSURANCE&FINANCIAL
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. 

Termination/Access Restriction SAUCEDOINSURANCE&FINANCIAL
Agency 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
Commonwealth of Pennsylvania and you hereby consent to the exclusive
jurisdiction and venue of courts in Pennsylvania 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. 

You agree that no joint venture, partnership, employment, or
agency relationship exists between you and Saucedo Insurance & Financial Agency
as a result of this agreement or use of the Site. Saucedo Insurance &
Financial performance of this agreement is subject to existing laws and legal
process, and nothing contained in this agreement is in derogation of Saucedo
Insurance & Financial Agency'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 SAUCEDOINSURANCE&FINANCIAL Agency
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 SAUCEDOINSURANCE&FINANCIAL with
respect to the Site and it supersedes all prior or contemporaneous communications
and proposals, whether electronic, oral or written, between the user and SAUCEDOINSURANCE&FINANCIAL
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 this Statement

Saucedo Insurance & Financial reserves the right to
change this Privacy Policy from time to time. We will notify you about
significant changes in the way we treat personal information by sending a
notice to the primary email address specified in your account, by placing a
prominent notice on our website, and/or by updating any privacy information.
Your continued use of the website and/or Services available after such
modifications will constitute your:

(a) acknowledgment of the modified Privacy Policy; and (b)
agreement to abide and be bound by that Policy.

Contact Information Saucedo Insurance & Financial
welcomes your questions or comments regarding this Statement of Privacy. If you
believe that Saucedo Insurance & Financial has not adhered to this
Statement, please contact Saucedo Insurance & Financial at:

Saucedo Insurance & Financial

235 E Broadway #520

Long Beach, CA

90802

Email Address:

[email protected]

Telephone number:

562-608-8816

Effective as of 03-01- 2025 .