Terms of Service
By using this website, chicolifeinsurance.com ("Website"), you agree to the following Terms of Service and legal disclaimers. If you do not agree, please discontinue use of this Website immediately.
1. Nature of Services
This Website is owned and operated by a licensed life insurance agent in California. It provides informational content and a contact form to connect users with licensed insurance professionals. We are not an insurance company, and no insurance coverage is guaranteed by submitting your information.
2. No Guarantee of Coverage or Rates
All quotes and information provided through this Website are non-binding and subject to underwriting by licensed insurance companies. Submission of your information does not guarantee coverage, approval, or specific rates. Final eligibility and premiums are determined by the insurance provider upon completion of a full application.
3. Eligibility – Adults Only
This Website is intended for use by individuals who are 18 years of age or older. We do not knowingly collect personal information from individuals under the age of 13. If we discover that we have inadvertently collected such information, we will delete it immediately.
4. Consent to Contact
By submitting your information on this Website, you agree and provide express written consent to be contacted by phone, text, or email by licensed insurance agents, including via autodialer or prerecorded messages, even if your number is on a state or federal Do Not Call list. This consent is not a condition of any purchase.
5. Lead Sharing & Third Parties
You understand and agree that your information may be shared with one or more licensed insurance agents or brokers for the purpose of helping you obtain life insurance. These third parties are contractually required to use your information only for this purpose and to comply with applicable privacy laws.
6. Privacy Policy
Please review our Privacy Policy to understand how we collect, use, and share your personal information. Your use of this Website constitutes your agreement to our privacy practices as outlined therein.
7. Disclaimer of Liability
The information provided on this Website is for general educational purposes only and should not be considered legal, financial, or insurance advice. While we strive to maintain accurate and up-to-date information, we make no warranties or guarantees regarding the completeness, accuracy, or reliability of any content.
In no event shall we be liable for any damages arising from your use of this Website or reliance on its content.
8. Security & Data Protection
We implement reasonable technical and organizational measures to protect your information. However, we cannot guarantee absolute security. You acknowledge that any data transmitted via the internet is done at your own risk.
9. Use Restrictions
You agree not to misuse this Website, attempt unauthorized access, submit false or misleading information, or use the Website for purposes other than obtaining insurance-related information and assistance.
10. Intellectual Property
All content, logos, branding, and visuals on this Website are the property of chicolifeinsurance.com or their respective licensors. You may not copy, reproduce, or reuse any content without written permission.
11. Governing Law
These Terms shall be governed by the laws of the State of California. Any disputes arising from your use of the Website shall be resolved in the courts of Butte County, California.
12. Changes to Terms
We reserve the right to update or change these Terms at any time without notice. Your continued use of the Website after such changes constitutes your acceptance of the new Terms.
13. Contact Information
For questions regarding these Terms or your data, please contact us at:
Chico Life Insurance
Justin Cheung, Licensed Agent
Email: justingimho@gmail.com
Phone: (530) 230-7990
National Producer Number #21657969
CA License #4453965
Chico, California
14. Advertising Disclosure
This Website is a marketing platform used by licensed life insurance agents to generate consumer interest in life insurance products. It is not affiliated with any government agency or insurance company. Submitting information on this Website constitutes a request to be contacted by a licensed agent regarding insurance services.
15. California Privacy Rights
If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information we collect, request deletion, and opt out of the sale or sharing of your data. To exercise your rights, please review our Privacy Policy or contact us at justingimho@gmail.com.
16. Affiliate & Referral Disclosure
This Website may include affiliate or referral links. If you click on such links and take action (such as submitting your information or purchasing a product), we may earn a commission or referral fee at no additional cost to you. These relationships do not affect the integrity of our content or recommendations.
17. Cookies and Tracking Technologies
We may use cookies, tracking pixels, and analytics tools (such as Google Analytics or Meta Pixel) to improve Website functionality, measure user activity, and personalize content or advertising. By using the Website, you consent to the use of these technologies. For more information, please review our Privacy Policy.
18. AI-Generated Content Disclaimer
Some informational content or website functionality may be powered by artificial intelligence or automated systems. While we aim for accuracy, AI-generated responses or content may contain errors or outdated information. Do not rely on AI-generated responses as a substitute for professional insurance, legal, or financial advice.
19. Third-Party Services
This Website may integrate with third-party platforms or services (e.g., Google Forms, Google Sheets, Zapier, Mailchimp). Your use of these features is subject to the terms and policies of those third parties. We are not responsible for the privacy, security, or practices of any third-party providers.
20. Non-U.S. Users
This Website is intended for use by individuals located in the United States. If you are accessing this Website from outside the U.S., you do so at your own risk and are responsible for compliance with local laws.
Your use of this Website is subject to these Terms of Service and all applicable laws and regulations. Unauthorized use may give rise to a claim for damages and/or be a criminal offense.
Last updated: 8/7/2025