Terms and Conditions

Effective Date: [Insert Date]

Welcome to Scott Fox Insurance (“Company,” “we,” “our,” or “us”). By accessing or using this website, you agree to the following Terms and Conditions. If you do not agree, please do not use this website.


1. No Insurance Coverage Is Bound Through This Website

Submission of information through this website does not:

  • Bind coverage

  • Modify an existing policy

  • Guarantee eligibility

  • Create an insurance contract

Coverage is only bound when confirmed in writing by a licensed insurance carrier.

Scott Fox Insurance is a California licensed insurance broker (License #0B95987).


2. Informational Purposes Only

The information provided on this website is for general educational and informational purposes only.

It is not:

  • Legal advice

  • Tax advice

  • Investment advice

  • A guarantee of coverage or benefits

Insurance coverage is subject to carrier underwriting approval, policy terms, exclusions, and limitations.


3. No Guarantee of Rates or Savings

Quotes, comparisons, or illustrations provided through this website or during consultations are estimates only.

Actual premiums may vary based on:

  • Underwriting review

  • Claims history

  • Credit factors (where permitted)

  • Eligibility guidelines

  • State and federal regulations

We do not guarantee specific pricing or savings.


4. Medicare and Covered California Disclosures

Scott Fox Insurance is not affiliated with or endorsed by:

  • The U.S. Government

  • Medicare

  • Covered California

We are an independent insurance brokerage that may represent multiple insurance carriers.

Availability of plans varies by county and eligibility requirements.


5. Electronic Communications

By submitting your information through our forms, you agree that we may contact you via:

  • Phone

  • Email

  • Text message

  • Voicemail

Message and data rates may apply.

You may opt out of communications at any time.


6. CRM & Data Collection

Information submitted through this website may be stored in secure CRM systems for purposes including:

  • Quote preparation

  • Appointment scheduling

  • Policy servicing

  • Renewal reminders

  • Compliance documentation

We take reasonable steps to protect your information but cannot guarantee absolute security of internet transmissions.

Please refer to our Privacy Policy for full details.


7. Third-Party Links

This website may contain links to third-party websites.

We are not responsible for:

  • Content

  • Security practices

  • Privacy policies

  • Accuracy of third-party information

Use of third-party sites is at your own risk.


8. No Professional Liability for Self-Implementation

Insurance planning decisions should be made after reviewing official policy documents.

We are not responsible for:

  • Decisions made without consultation

  • Misinterpretation of educational content

  • Changes in carrier underwriting guidelines


9. Geographic Limitation

Services are primarily offered to residents and businesses located in:

  • Santa Ana, California

  • Orange County

  • Los Angeles County

  • Other eligible California areas

Licensing restrictions may apply outside California.


10. Intellectual Property

All content on this website, including:

  • Text

  • Graphics

  • Logos

  • Branding

  • Educational materials

is the property of Scott Fox Insurance and may not be reproduced without written permission.


11. Limitation of Liability

To the fullest extent permitted by law, Scott Fox Insurance shall not be liable for any indirect, incidental, consequential, or punitive damages arising from use of this website.


12. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Updates will be posted on this page with a revised effective date.

13. Licensing & Geographic Availability

Insurance products and services are offered only in states where Scott Fox Insurance is properly licensed.

Not all products are available in all states. Coverage availability, pricing, and eligibility vary by state and carrier.

Nothing on this website constitutes a solicitation of insurance in any state where we are not licensed.


14. Contact Information

Scott Fox Insurance
Santa Ana, California
California License #0B95987