Terms and Conditions

Terms and Conditions
Pannu Insurance Services Inc
Effective Date: December, 20th 2024

Brand Name:
Pannu Insurance Services Inc

Types of Messages Consumers Can Expect to Receive:
You may receive important policy updates, billing reminders, claims notifications, renewal alerts, and exclusive insurance offers.

Message Frequency Disclosure:
Message frequency will vary based on your policy activity, preferences, and claims status. 

Message and Data Rates Disclosure:
Message and data rates may apply.

Customer Care Contact Information:
For assistance, text HELP or contact us at info@pannuagency.com or call (559) 825 8000

Opt-Out Information:
To stop receiving messages, text STOP at any time to unsubscribe

1. Introduction
Welcome to Pannu Insurance Services Inc ("Company," "we," "our," or "us"). By accessing and using our services, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not use our services.

2. Services Provided
Pannu Insurance Services Inc offers insurance products and related services, including but not limited to, policy issuance, claims processing, and customer support. The availability of services is subject to applicable laws and regulations.

3. Eligibility
To use our services, you must:

• Be at least 18 years old or the legal      age of majority in your jurisdiction.
• Provide accurate and complete      information during the application or registration process.
• Not use our services for any illegal or      unauthorized purpose.

4. User Responsibilities
By using our services, you agree to:

• Maintain the confidentiality of your      account information.
• Provide truthful and up-to-date      information.
• Comply with all applicable laws and      regulations.
• Notify us immediately of any      unauthorized access to your account.

5. Payment and Billing

• Fees for insurance policies and related  services must be paid as specified in your policy agreement.
• Failure to make timely payments may result in policy cancellation or additional fees.
• We reserve the right to change pricing and fees with prior notice.

6. Policy Terms and Modifications

• All insurance policies are subject to the terms and conditions outlined in the policy documents.
• We may update these Terms and Conditions      at any time. Changes will be posted on our website with the updated effective date.
• Your continued use of our services  constitutes acceptance of any revised terms.

7. Limitation of Liability

• We strive to provide accurate and reliable services, but we do not guarantee the completeness, accuracy, or  availability of our offerings.
• We are not responsible for any indirect, incidental, or consequential damages arising from the use of our services.

8. Termination
We reserve the right to suspend or terminate your access to our services if:

• You violate these Terms and Conditions.
• You engage in fraudulent or unlawful activities.
• Required by law or regulatory authorities.

9. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of [Insert Jurisdiction]. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in [Insert Jurisdiction.

10. Messaging Terms & Conditions

You agree to receive informational messages (appointment reminders, account notifications, etc.) from Pannu Insurance Services Inc. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at info@pannuagency.com. You can opt out at any time by replying STOP. 

11. Contact Information
For any questions or concerns regarding these Terms and Conditions, please contact us at:

Pannu Insurance Services Inc
5550 W Spruce Ave Suite 103 Fresno, CA 93722
(559) 825 8000
info@pannuagency.com