Terms of Service

1. Acceptance of Terms

By accessing and using the O.R.A.M. Insurance Agency website ("Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Site or services. O.R.A.M. Insurance Agency operates under CA License #0F00511.

2. Description of Services

O.R.A.M. Insurance Agency is a licensed insurance brokerage and optimization firm operating as an official franchise partner of Freeway Insurance. We provide insurance comparison, quoting, and placement services across a network of 100+ carriers. Our services include but are not limited to auto, home, life, business, motorcycle/boat, and renters insurance.

3. Not Insurance Advice

Information provided on this Site is for general informational purposes only and does not constitute professional insurance advice. Insurance coverage, rates, and availability vary by carrier, state, and individual circumstances. All quotes are estimates and subject to underwriting approval by the respective insurance carrier. Final terms, conditions, and pricing are determined by the issuing carrier.

4. User Obligations

By using our Site and services, you agree to:

• Provide accurate, current, and complete information when requesting quotes or submitting applications.
• Not misrepresent any facts that may affect insurance underwriting or pricing.
• Not use the Site for any unlawful purpose or in violation of any applicable laws or regulations.
• Not attempt to interfere with the proper functioning of the Site.
• Review all policy documents, declarations pages, and coverage terms provided by the issuing carrier.

5. Quotes and Pricing

All insurance quotes provided through our Site or by our agents are estimates based on the information you provide. Actual premiums may differ based on verification of information, underwriting review, and carrier-specific criteria. We do not guarantee that any specific rate or coverage will be available. Savings claims (including "$1,000+ average annual savings") are based on historical customer data and individual results may vary.

6. Carrier Relationships

O.R.A.M. Insurance Agency acts as an intermediary between you and insurance carriers. We are not an insurance company. Your insurance policy is a contract between you and the issuing carrier. We are not responsible for the actions, decisions, or claim handling of any carrier. All claims, disputes, and policy-related matters should be directed to the issuing carrier.

7. Intellectual Property

All content on this Site, including text, graphics, logos, trademarks, and software, is the property of O.R.A.M. Insurance Agency or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, O.R.A.M. Insurance Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or services, including but not limited to loss of coverage, denied claims, or policy cancellations by carriers. Our total liability shall not exceed the amount of commissions received in connection with your specific transaction.

9. Indemnification

You agree to indemnify and hold harmless O.R.A.M. Insurance Agency, its officers, employees, and affiliates from any claims, damages, losses, or expenses arising from your use of the Site, violation of these Terms, or provision of inaccurate information in connection with insurance applications.

10. Third-Party Links

Our Site may contain links to third-party websites, including insurance carrier portals and partner sites. We do not control and are not responsible for the content, accuracy, or practices of third-party sites. Inclusion of any link does not imply endorsement.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts of Alameda County, California.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Site after changes constitutes acceptance of the modified Terms.

13. Contact Us

If you have questions about these Terms of Service, please contact us: