Terms of Service

1. Acceptance of Terms

By accessing or using the services provided by Premium Financial Partners Co. ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree, you may not use our services. These terms apply to all users, including agents, brokers, and insured borrowers.

2. Description of Services

Premium Financial Partners Co. provides insurance premium financing services, including loan origination, payment processing, agent support tools, and borrower portal access. We reserve the right to modify, suspend, or discontinue any service at any time without prior notice.

3. Eligibility

Our services are available only to individuals and entities who are at least 18 years of age and capable of entering into legally binding agreements. By using our services, you represent and warrant that you meet these requirements.

4. User Responsibilities

• You agree to provide accurate, complete, and current information when using our services.
• You are responsible for maintaining the confidentiality of your account credentials.
• You agree not to use our services for any unlawful, fraudulent, or unauthorized purpose.
• You agree not to interfere with or disrupt the security or integrity of our platform.

5. Premium Financing Agreements

All financing agreements are subject to separate loan agreements, promissory notes, and disclosures provided at the time of origination. These Terms of Service do not supersede any executed financing agreements. Borrowers are responsible for timely payment of all amounts due under their financing agreements. Failure to make timely payments may result in cancellation of the financed insurance policy.

6. Intellectual Property

All content on our website and platform, including text, graphics, logos, software, and data, is the property of Premium Financial Partners Co. or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our services will be uninterrupted, error-free, or secure.

8. Limitation of Liability

To the maximum extent permitted by law, Premium Financial Partners Co. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, even if advised of the possibility of such damages. Our total liability shall not exceed the amounts paid by you in the three months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Premium Financial Partners Co. and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Los Angeles County, California.

11. Changes to Terms

We reserve the right to update these Terms of Service at any time. Changes will be effective upon posting to our website. Continued use of our services after changes constitutes acceptance of the revised terms.

12. Contact Us

Questions regarding these Terms of Service should be directed to:
Premium Financial Partners Co.
5455 Wilshire Blvd #1816, Los Angeles, CA 90036
Phone: (310) 220-0182
Email: info@premiumfinancialpartners.com