Terms & Conditions
Effective Date: February 27, 2026
Welcome to Pacific Crest Lakewood (“Service”, “We”, “Us”, “Our”). By accessing or using our website, https://pacificcrestlakewood.com (the “Site”) and services, you agree to comply with and be bound by the following Terms & Conditions (“Terms”). Please review the following carefully before using the Site or our services.
1- Description of Service
Pacific Crest Lakewood is an independent insurance agency providing personal, business, Medicare, and life insurance solutions to Florida families and businesses. By using our website and services, you acknowledge that Pacific Crest Lakewood acts as an intermediary between clients and insurance companies, and that coverage approval, pricing, and policy terms are subject to the individual insurance company’s review and underwriting guidelines.
2- User Eligibility
To use our services, you must be at least 18 years of age and provide accurate, current, and complete information as requested. Failure to provide accurate information may result in denial of coverage, cancellation of a policy, or termination of access to our services.
3- Insurance Quotes & Coverage Requests
When submitting a request for an insurance quote or coverage through Pacific Crest Lakewood, you acknowledge that:
- All quotes are estimates based on the information provided and are subject to change upon underwriting review by the insurance company.
- Approval of coverage is at the sole discretion of the insurance company, and Pacific Crest Lakewood does not guarantee that your request will be accepted or that quoted rates will remain unchanged.
- The information you provide must be accurate and truthful. Providing false or misleading information may result in denial of coverage, policy cancellation, or legal consequences.
- Pacific Crest Lakewood is not responsible for coverage decisions made by insurance companies.
4- No Guarantee of Coverage
Pacific Crest Lakewood makes no warranties or representations that any specific insurance coverage will be available, approved, or maintained. All coverage decisions are made solely by the insurance companies we represent.
5- Privacy and Data Collection
We collect and store personal information as part of the insurance quote and service process. This may include, but is not limited to, your name, contact information, property details, vehicle information, and other data as required by insurance companies.
- Data Use: Your information is used solely for the purpose of obtaining insurance quotes, binding coverage, and complying with legal and regulatory requirements.
- Privacy Policy: For more details on how we handle your information, please review our Privacy Policy at https://pacificcrestlakewood.com/privacy-policy/
6- SMS Terms of Service
By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Pacific Crest Lakewood. This includes SMS messages for marketing.
- Messaging frequency may vary.
- Message and data rates may apply.
- To opt out at any time, text STOP.
For assistance, text HELP or visit our website at https://pacificcrestlakewood.com/.
Visit https://pacificcrestlakewood.com/privacy-policy/ for privacy policy and https://pacificcrestlakewood.com/terms-and-conditions/ for Terms of Service.
7- Termination of Service
Pacific Crest Lakewood reserves the right to suspend or terminate your access to the Site or services at any time, with or without cause, and without notice. In the event of termination, any outstanding obligations or responsibilities remain in effect.
8- Limitation of Liability
To the maximum extent permitted by applicable law, Pacific Crest Lakewood shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of coverage, financial loss, or other damages arising out of or related to your use of the Site or services, or inability to secure insurance coverage.
9- Modifications to Terms and Service
We reserve the right to modify these Terms at any time. Any changes will be posted on the Site with an updated effective date and will take effect immediately upon posting. It is your responsibility to review the Terms periodically for updates.
10- Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
11- Contact Us
If you have any questions or concerns about these Terms & Conditions, please contact us at:
Pacific Crest Lakewood
11015 Gatewood Dr. Ste. #101 Bradenton, FL 34211
941.747.4600
info@pacificcrestlakewood.com