Terms & Conditions

Effective Date: January 2026
Last Updated: January 2026

Welcome to blueberryinsuranceagency.com (the “Site”), operated by Blueberry Insurance Agency LLC (“Blueberry,” “we,” “us,” “our”).

Contact: support@blueberryinsuranceagency.com
Mailing Address: 440 N Barranca Ave #5026, Covina, CA 91723

These Terms & Conditions (“Terms”) govern your access to and use of the Site and any related services we provide through the Site (collectively, the “Services”). By using the Site or Services, you agree to these Terms. If you do not agree, do not use the Site or Services.

1) Who We Are and What We Do

Blueberry provides (a) insurance agency/broker services, including helping consumers and businesses request quotes and obtain coverage through third-party insurance carriers, and (b) lead generation and lead distribution services (the “Lead Services”), which may involve sharing submitted information with insurance carriers, partners, agencies, brokers, and other parties for marketing, quoting, or placement purposes.

2) U.S.-Only Use

The Site and Services are intended for users located in the United States. We do not represent that the Site is appropriate or available outside the U.S. If you access the Site from outside the U.S., you do so at your own risk.

3) Eligibility

You must be at least 18 years old to use the Services. By using the Services, you represent that you are at least 18 and have the legal capacity to enter into these Terms.

4) Privacy Policy

Your use of the Site is also subject to our Privacy Policy, which describes how we collect, use, and share information (including via cookies, analytics, pixels, session recording, call tracking, and SMS/email tools). The Privacy Policy is incorporated by reference into these Terms.

5) No Professional Advice

Content on the Site is provided for general informational purposes only and is not legal, tax, financial, or other professional advice. You should consult qualified professionals regarding your specific situation. Do not rely on Site content as a substitute for professional advice.

6) Quotes, Coverage, and No Guarantee

• Quotes are estimates: Any quotes or indications are estimates only and may change based on underwriting, verification, inspections, history, and other carrier criteria.
• No binding until confirmed: Coverage is not bound unless and until confirmed in writing by the carrier and/or an authorized representative of Blueberry (as applicable).
• Carrier decisions: We are not responsible for carrier decisions, including approvals/declinations, rates, terms, underwriting requirements, cancellations, or non-renewals.
• Availability varies: Not all applicants qualify for all products; rates and availability vary.

7) Lead Services and Partner Contact

By submitting information through the Site (including quote or contact requests), you understand and agree that:

• Your information may be shared with insurance carriers and partners for the purpose of providing quotes, marketing insurance products, or otherwise responding to your request (as described in our Privacy Policy).
• You may be contacted by Blueberry and/or third parties (including carriers/partners) via phone, email, and/or text message, consistent with your consent choices and applicable law.
• We do not control third-party communications and are not responsible for third-party offers, actions, omissions, or services.

8) Communications, Text Messages, and Consent

A. Electronic communications
By using the Services or providing your contact information, you consent to receive communications from us electronically (e.g., email, SMS, or notices posted on the Site), consistent with applicable law and your preferences.

B. SMS marketing (TCPA)
You agree to receive informational messages (Customer Care) from Blueberry Insurance Agency. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at support@blueberryinsuranceagency.com. You can opt out at any time by replying STOP

C. Email marketing
You can opt out of marketing emails using the unsubscribe link in the email or by contacting support@blueberryinsuranceagency.com (opt-out does not apply to transactional/servicing messages where permitted by law).

9) Calls, Call Tracking, and Recording

We may use call tracking and analytics tools (including Ringba) to measure marketing effectiveness and improve service. Calls may be recorded and/or monitored where permitted by law.

California notice: By calling us and continuing the call after any recording notice (or where otherwise permitted), you consent to recording/monitoring. If you do not consent, do not continue the call.

10) Scheduling and Messaging Tools

We may offer appointment scheduling via Calendly and messaging via Facebook/Instagram Messenger. Your use of those third-party services is also subject to their respective terms and policies, and we are not responsible for their platforms.

11) Prohibited Uses

You agree not to:

• Use the Site for unlawful, fraudulent, misleading, or harmful purposes.
• Attempt to gain unauthorized access to systems, accounts, or data.
• Interfere with or disrupt the Site (e.g., probing, scanning, scraping, or introducing malware).
• Use automated means to access the Site without our permission.
• Impersonate any person or misrepresent your affiliation.
• Submit false, incomplete, or misleading information.

We may suspend or terminate access for any violation or suspected violation.

12) User Submissions and Accuracy

If you submit information through the Site (forms, chat, scheduling, etc.), you represent that the information is accurate and that you have the authority to provide it (including on behalf of a business). You are responsible for keeping your information current.

13) Intellectual Property

The Site and its content (text, graphics, logos, design, and software) are owned by or licensed to Blueberry and are protected by intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works except as explicitly permitted in writing by us.

14) Third-Party Sites and Services

The Site may contain links to third-party websites or services. We do not control third parties and are not responsible for their content, privacy practices, availability, pricing, or services. Your use of third-party sites is at your own risk.

15) Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not guarantee that the Site will be uninterrupted, error-free, secure, or free of harmful components.

16) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• BLUEBERRY WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY.
• BLUEBERRY’S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR SERVICES WILL NOT EXCEED $100 OR THE AMOUNT YOU PAID US (IF ANY) FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM, WHICHEVER IS GREATER.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

17) Indemnification

You agree to defend, indemnify, and hold harmless Blueberry and its owners, employees, contractors, and partners from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, your submissions, your violation of these Terms, or your violation of any law or third-party rights.

18) Dispute Resolution; Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS, INCLUDING YOUR RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.

A. Informal resolution first
Before starting arbitration, you agree to contact us at support@blueberryinsuranceagency.com with a brief description of the dispute and your contact information. We’ll try to resolve the dispute informally within 30 days.

B. Agreement to arbitrate
Except as described in Section 18(C), you and Blueberry agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Services (a “Dispute”) will be resolved by binding arbitration on an individual basis, rather than in court.

C. Exceptions
The following are not required to be arbitrated:

1. claims that may be brought in small claims court (if eligible), and
2. requests for injunctive or equitable relief to stop unauthorized use or infringement of intellectual property or to protect security/unauthorized access.

D. Arbitration rules and administrator
The arbitration will be administered by the American Arbitration Association (AAA) under its applicable rules (including, as appropriate, the Consumer Arbitration Rules or Commercial Arbitration Rules). The arbitrator will have authority to resolve all Disputes, including enforceability of this arbitration agreement, except that a court (not an arbitrator) will decide any dispute about the validity or enforceability of the class action waiver in Section 18(E).

E. Class action waiver / collective actions
You and Blueberry agree that Disputes must be brought only on an individual basis. This means:

• No class actions, class arbitrations, private attorney general actions, or other representative actions; and
• The arbitrator may not consolidate claims or preside over any form of representative proceeding.

If this waiver is found unenforceable for a particular claim, then that claim must be litigated in court, and the rest of this arbitration section remains in effect.

F. Location and format
Arbitration may be conducted by videoconference, phone, written submissions, or in person in Los Angeles County, California, unless the parties agree otherwise.

G. Costs and fees
Payment of arbitration fees will be governed by the AAA rules and applicable law. The arbitrator may award fees and costs to the extent permitted by law.

H. Governing law
These Terms and this arbitration agreement are governed by the Federal Arbitration Act and, where not inconsistent, the laws of the State of California, without regard to conflict of law principles.

I. Opt-out (optional)
You may opt out of arbitration by sending an email to support@blueberryinsuranceagency.com within 30 days of first accepting these Terms with the subject line “Arbitration Opt-Out,” and including your name and the email/phone you used with the Site. Opting out will not affect other Terms.

19) Changes to These Terms

We may update these Terms from time to time by posting an updated version on the Site and changing the “Last Updated” date. Your continued use of the Site after changes become effective means you accept the updated Terms.

20) Termination

We may suspend or terminate your access to the Site or Services at any time, with or without notice, if we believe you violated these Terms or used the Site in a way that could create risk or legal exposure.

21) Miscellaneous

• Severability: If any provision is found unenforceable, the remaining provisions remain in effect.
• No waiver: Our failure to enforce a provision is not a waiver.
• Entire agreement: These Terms (and the Privacy Policy) are the entire agreement regarding the Site and Services.

22) Contact Us

Blueberry Insurance Agency LLC
440 N Barranca Ave #5026, Covina, CA 91723
support@blueberryinsuranceagency.com

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