Terms & Conditions

These Terms & Conditions govern your use of the Apac Service Center & Insurance Services website and our insurance enrollment, assistance program, and community services.

Our Services

User Responsibilities

• Provide accurate and complete information
• Update information when it changes
• Use services for lawful purposes only
• Respect the privacy and rights of others
• Comply with all applicable laws and regulations

Service Limitations and Disclaimers

Please understand the following important limitations:

• We are not an insurance carrier and cannot guarantee coverage or rates
• Insurance decisions are made by carriers, not by us
• We provide information and assistance but are not licensed attorneys or tax professionals
• Government program eligibility is determined by the respective agencies
• Service availability may vary by location and individual circumstances

No Professional Advice

The information provided on this website and through our services is for general informational purposes only and does not constitute:

• Legal advice or representation
• Tax advice or planning
• Medical advice or treatment
• Financial planning advice
• Immigration legal advice

Fees and Payment Terms

Some of our services may involve fees:

• Insurance consultation fees (if applicable)
• Estate planning service fees
• Immigration service fees
• Processing and administrative fees

Payment terms will be clearly communicated before any services are rendered.

Third-Party Websites and Services

Our website may contain links to third-party websites and services:

• Insurance carrier websites
• Government agency portals
• Community resource organizations
• Payment processing services

Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount paid for services
• We are not liable for third-party actions or decisions
• We are not responsible for delays or failures due to circumstances beyond our control

Intellectual Property

All content on this website, including text, graphics, logos, and software, is protected by intellectual property laws and belongs to Apac Service Center & Insurance Services or our licensors.

Governing Law

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

Dispute Resolution

Any disputes arising from these Terms will be resolved through:

• Good faith negotiations
• Mediation before pursuing legal action
• Binding arbitration in Los Angeles County, California

Changes to Terms

We may update these Terms from time to time. Continued use of our services after changes constitutes acceptance of the updated Terms.

Contact Us

If you have questions about these Terms & Conditions, please contact us: