1. Introduction and Acceptance
These Terms and Conditions ("Terms") govern your use of the Advanced Surety & Insurance Agency website located at advancedbonding.com ("Website"), including any content, services, materials, and documents expressly incorporated by reference. Advanced Surety & Insurance Agency ("Company," "we," "our," or "us") is a licensed surety bond and insurance agency registered in the State of California.
By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree with any part of these Terms, you must discontinue use of this Website immediately. We may update these Terms at any time without prior notice. All changes are effective immediately upon posting and apply to all access to and use of the Website thereafter. We may notify you of changes via email, postal mail, or by posting on the Website.
2. Eligibility
By using this Website, you represent and warrant that:
- You are at least eighteen (18) years of age or the age of legal majority in your jurisdiction;
- You have the legal power and authority to enter into and be bound by these Terms;
- All information you provide to us is truthful, accurate, current, and complete;
- You will maintain and promptly update your information as needed to keep it accurate and complete;
- If you are using this Website on behalf of a company or other legal entity, you have the authority to bind such organization to these Terms.
3. Description of Services
Advanced Surety & Insurance Agency provides surety bond brokerage and insurance agency services in California and across all 50 states. We act as an intermediary between you (the principal or applicant) and the surety companies that underwrite and issue bonds. Our Website offers general information about our services, bond types, the bonding process, and related topics for informational and general reference purposes only.
The descriptions of products and services on this Website are not intended to serve as professional, legal, financial, or insurance advice. Some products and services may not be available in all areas or to all applicants. Please contact us directly for specific information about products, services, availability, and eligibility in your jurisdiction.
4. No Guarantee of Bond Issuance
Requesting a quote, submitting an inquiry, or communicating with our agency does not constitute a binding offer, contract, or guarantee of bond issuance. All surety bonds are subject to underwriting review and approval by the issuing surety company. Bond terms, conditions, premiums, availability, and approval are determined solely by the surety company based on its underwriting criteria, including but not limited to the applicant's character, capacity, capital, credit history, financial condition, and other relevant factors.
5. Credit Authorization and Underwriting
By submitting an inquiry or application through our Website, email, or any other channel, you authorize Advanced Surety & Insurance Agency and its surety company partners to obtain consumer credit information and reports from any credit reporting agency or other source deemed necessary to determine bonding eligibility. This authorization applies at the time of application, at bond renewal, and for any other legitimate underwriting purpose as determined by our agency or the surety company in their reasonable discretion.
6. Premium and Payment Terms
Bond premiums are determined by the issuing surety company based on approved rates applied to the bond or contract amount. Premiums quoted do not include surcharges for extra services unless specifically noted. Unless otherwise specified or contrary to applicable law:
- The first year's premium on all bonds is fully earned upon issuance;
- Subsequent renewal premiums may allow for a pro-rated return, subject to the terms set by the issuing surety company;
- All payments for premiums and fees are considered fully earned once received, unless contrary to law;
- Premium financing availability is at the discretion of the issuing surety company, not our agency.
Please consult your assigned agent for specific details regarding premium, payment, cancellation, and refund terms applicable to your bond.
7. Indemnity Agreements
Surety bonds typically require the principal to execute an indemnity agreement with the surety company. This agreement obligates the principal to reimburse the surety for any losses, costs, or expenses the surety incurs as a result of claims against the bond. The indemnity agreement is a separate contract between you and the surety company. Advanced Surety & Insurance Agency is not a party to the indemnity agreement unless expressly stated.
8. Restrictions on Use
You may use this Website only for lawful purposes and in accordance with these Terms. You agree not to:
- Use this Website in any way that violates any applicable federal, state, local, or international law or regulation;
- Submit false, misleading, or incomplete information in any quote request, application, or communication;
- Attempt to gain unauthorized access to any part of the Website, its servers, or any connected systems or networks;
- Use any robots, scrapers, spiders, data mining tools, or similar automated devices or processes to access, crawl, index, or copy the Website;
- Co-brand, frame, deep-link, or mirror any portion of the Website without prior written consent;
- Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity;
- Decompile, reverse engineer, disassemble, modify, or create derivative works based upon the Website or its content;
- Reproduce, redistribute, sell, sublicense, rent, lease, or commercially exploit Website content without prior written consent;
- Introduce any viruses, malware, Trojan horses, or other harmful material;
- Use the Website to transmit advertising, promotional materials, spam, or solicitations;
- Hyper-link to specific product, coverage, or bond information without prior written consent;
- Use the Website to circumvent the terms of any referral agreement or in any manner inconsistent with the business purpose of the Website.
We reserve the right to disable any user name, password, or other identifier at any time, for any reason, including if we believe you have violated any provision of these Terms.
9. Intellectual Property
All content on this Website — including but not limited to text, graphics, logos, images, trademarks, service marks, trade names, trade dress, software, data compilations, and other materials (collectively, "Content") — is the proprietary property of Advanced Surety & Insurance Agency or its content providers and licensors. The Content is protected by applicable United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
You may print a single copy of Content solely for your personal, non-commercial use, provided you do not remove or alter any copyright, trademark, or other proprietary notices. No other rights or licenses are granted to you, whether by implication, estoppel, or otherwise. Our name, logo, trademarks, and service marks may not be used in any advertising, publicity, or other context without our prior written permission.
10. Confidential Information
Certain information provided to you through non-public portions of the Website or through our services may be confidential or proprietary. You may use or disclose such information only to the extent necessary for the purpose for which it was disclosed. When that purpose has been fulfilled, you must return or destroy such information when reasonable to do so.
11. Third-Party Links
This Website may contain hyperlinks to third-party websites. These links are provided solely as a convenience and do not imply endorsement, sponsorship, affiliation, or approval. We have no control over, and accept no responsibility for, the content, privacy policies, practices, accuracy, or availability of any third-party websites. You access third-party websites entirely at your own risk. We are under no obligation to maintain any link on this Website and may remove any such link at any time.
12. Accuracy of Information and Reliance
While we strive to maintain accurate and current information, we make no warranties or representations regarding the completeness, accuracy, reliability, timeliness, or suitability of any content for any particular purpose. Bond requirements, regulations, rates, and availability are subject to change without notice. All information speaks only as of the date it was posted, and we do not undertake any obligation to update or remove information that is no longer accurate or complete.
The Content may include technical inaccuracies or typographical errors. We reserve the right to make changes, corrections, and improvements at any time without notice. You should not rely on the Content as a substitute for professional advice from a licensed attorney, accountant, financial advisor, or insurance professional.
13. Disclaimer of Warranties
THIS WEBSITE AND ALL CONTENT, MATERIALS, INFORMATION, PRODUCTS, AND SERVICES PROVIDED ON OR THROUGH THIS WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT: (A) THE WEBSITE WILL BE AVAILABLE, UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) DEFECTS WILL BE CORRECTED; (C) THE WEBSITE OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE CONTENT IS COMPLETE, ACCURATE, RELIABLE, OR SUITABLE FOR YOUR PURPOSES. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM YOUR USE OF THIS WEBSITE.
14. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ADVANCED SURETY & INSURANCE AGENCY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUBSIDIARIES, LICENSORS, CONTENT PROVIDERS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, USE, OR OTHER INTANGIBLE LOSSES — ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE WEBSITE, ANY CONTENT OBTAINED THROUGH THE WEBSITE, OR ANY OTHER MATTER RELATING TO THE WEBSITE, REGARDLESS OF THE THEORY OF LIABILITY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100.00) OR THE AMOUNT YOU PAID TO US FOR THE APPLICABLE SERVICE GIVING RISE TO THE LIABILITY. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, OUR LIABILITY SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.
15. Indemnification
You agree to defend, indemnify, and hold harmless Advanced Surety & Insurance Agency, its officers, directors, employees, agents, subsidiaries, licensors, content providers, and service providers (collectively, the "Indemnified Parties") from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to: (a) your use of the Website; (b) any breach of these Terms by you; (c) your violation of any applicable law, regulation, or third-party right; (d) any information, content, or materials you submit or transmit through the Website; or (e) any claim that your actions or submissions infringe or violate any third party's intellectual property, privacy, publicity, or other rights.
16. California Civil Code Section 1542 Waiver
BY USING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED. YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE, TERRITORY, OR JURISDICTION, WHICH PROVIDES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."
17. Insurance and Regulatory Disclosures
Advanced Surety & Insurance Agency is a licensed insurance and surety bond agency in the State of California. Surety bond products are underwritten and issued by third-party surety companies. We act as an intermediary and agent; the surety company is the party ultimately responsible for bond issuance and any obligations thereunder.
This Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.
18. Submissions
Any information, feedback, suggestions, ideas, or other materials you voluntarily submit or transmit to us ("Submissions") shall be deemed non-confidential and non-proprietary. By providing a Submission, you grant the Company a royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, distribute, and display such Submission for any lawful business purpose, without any obligation to compensate you. You warrant that you have the right to provide any Submission and that all moral rights have been waived.
19. Website Availability
We reserve the right to withdraw, amend, disable, or suspend this Website, and any service or material we provide, in our sole discretion, with or without notice. We will not be liable if the Website is unavailable at any time or for any period. We may restrict access to some or all parts of the Website at any time.
20. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms or your use of the Website shall be brought exclusively in the state or federal courts located in the State of California, and you consent to the personal jurisdiction of such courts.
21. Dispute Resolution
In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Website, the parties agree to first attempt to resolve the matter through good-faith negotiation. If the dispute cannot be resolved within thirty (30) days, either party may pursue available legal remedies in the courts specified above.
22. Children and Minors
This Website and our services are directed to individuals who are at least eighteen (18) years of age. We do not knowingly collect personal information from anyone under the age of eighteen. If we become aware that we have inadvertently collected information from a minor, we will take prompt steps to delete it.
23. Severability
If any provision of these Terms is found by a court of competent jurisdiction to be unlawful, void, or unenforceable, that provision shall be deemed severed and shall not affect the validity and enforceability of the remaining provisions. The failure to enforce any provision shall not constitute a waiver of that or any other provision.
24. Entire Agreement
These Terms, together with our Privacy Policy and any other agreements, rules, or policies published on the Website, constitute the entire agreement between you and Advanced Surety & Insurance Agency with respect to the use of this Website, and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written. Notwithstanding the foregoing, any additional terms and conditions on this Website shall govern the items to which they pertain.
25. Contact Information
For questions, concerns, or inquiries about these Terms & Conditions, please contact:
Advanced Surety & Insurance Agency
Alex Lakshtanov
Phone: (818) 269-7596
Fax: (818) 827-1768
Email: [email protected]
Website: advancedbonding.com
Insurance Broker/Agent License# 0G21229