Ralph S Richardson Insurance Agency CA DOI License #0C67944
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Terms of Use

Last updated: June 2026

1. Acceptance of These Terms

By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the site. These terms work together with our Privacy Notice and Disclosures page, which describe how we operate as a California-licensed insurance agency.

2. Educational Content, Not Advice

The content on this website is general education about insurance topics. It is not:

  • Insurance advice
  • Financial, tax, or legal advice
  • A recommendation or offer to sell any product
  • A quote or illustration
  • A basis for forming a client relationship

Advice occurs only in a personal consultation with a licensed agent.
Coverage exists only when an insurer issues a policy.

3. No Warranties

We work to keep the content accurate and current (educational pages include a “last reviewed” date where applicable), but the site is provided as-is, without warranties of any kind.

Insurance laws, regulations, and product terms change.
The issuing insurer’s policy documents always control.

To the fullest extent permitted by law, we disclaim all warranties—express, implied, or statutory—related to the site and its content.

4. Limitation of Liability

To the maximum extent allowed by California law, the agency, its agents, and employees are not liable for any:

  • Indirect, incidental, special, or consequential damages
  • Losses arising from your use of (or inability to use) the site
  • Reliance on educational content
  • Errors, omissions, or interruptions in site availability

Your sole remedy for dissatisfaction with the site is to stop using it.

5. Your Use of the Site

You agree not to misuse the site. Prohibited actions include:

  • Scraping, harvesting, or extracting submitted data
  • Attempting to access systems, accounts, or data that are not yours
  • Submitting another person’s information without their authority
  • Interfering with site functionality or security

We may restrict access for violations of these terms.

6. Intellectual Property

All site content is owned by Ralph S Richardson Insurance Agency, unless otherwise noted.

You may:

  • Share links to our pages

You may not:

  • Republish, reproduce, or distribute our content without permission
  • Use our content for commercial purposes without written authorization

7. Third-Party Links and Services

This site may link to third-party websites or services (for example, Calendly for scheduling). These third parties have their own terms and privacy practices, which we do not control and are not responsible for.

8. Indemnification

You agree to indemnify and hold harmless the agency, its agents, and employees from any claims, losses, liabilities, damages, or expenses (including reasonable attorneys’ fees) arising out of:

  • Your misuse of the site
  • Your violation of these Terms
  • Your submission of unauthorized or inaccurate information

9. Changes to These Terms

We may update these Terms from time to time.
When we do, we will revise the “Last updated” date above.

Your continued use of the site after changes are posted means you accept the updated Terms.

10. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

11. Contact Us

For questions about these Terms:

Ralph S Richardson Insurance Agency
6342 Bridgewood Dr
Santa Rosa, CA 95409
Phone: 866-689-5335
Email: assist@ralphsrichardson.com