Terms of Use

When do these terms take effect?

Effective date: November 8, 2026

These terms describe the use of tinginsurance.com, operated by Ting Insurance Services LLC, California agency license #6019702. They concern the website, not the terms of any insurance policy. Read them alongside our Privacy Notice.

What is this website for?

The website provides general information about insurance and risk. Its guides, examples and explanations are educational. They are not advice for a specific policy or a substitute for reviewing your actual insurance documents with a licensed agent.

A description of a type of coverage does not establish that your policy includes it. Examples do not determine whether a particular claim is covered, and information about a program does not establish that you qualify for it.

Does a form submission start or change coverage?

No. Sending a website form, requesting a quote, emailing information or booking a call does not bind, renew, cancel or change coverage. Do not treat an automated receipt or appointment confirmation as confirmation of insurance.

Coverage or a requested change is not effective through this website unless and until it is confirmed in writing by an authorized representative of the agency or insurance company, with the applicable effective date. Any required application, underwriting, payment and other conditions still apply. Ask for clarification if the status of a request is unclear.

This provision does not change the terms of an existing policy or any rights or duties imposed by law.

What determines availability and coverage?

Available options depend on the property, person or business, the insurance company's underwriting requirements, and the coverage requested. A quote is not a guarantee of approval or continuing availability.

The issued policy, declarations and endorsements determine coverage, subject to applicable law. Limits, deductibles, exclusions and conditions matter. If a website summary and the actual insurance documents differ, use the insurance documents and ask a licensed agent about the difference.

What should you know about outside links and forms?

Some links open services outside this website, including Tally forms and Google Calendar appointment booking. Other links lead to educational sources. Those services and websites have their own terms and privacy practices.

A link is provided for access or reference. It is not a promise that outside content is complete, current or suitable for your situation. Review the destination before submitting information.

How current is the information?

Insurance rules, programs and available options can change. Website content may contain errors or become outdated. Check the source date and confirm information relevant to a decision with the appropriate source or a licensed agent.

Content and these terms may be updated. The date above identifies this version. Updating this page does not amend an issued insurance policy or waive a legal notice requirement.

What limits apply to website-related liability?

To the extent permitted by applicable law, Ting Insurance Services LLC disclaims liability for indirect or consequential losses arising solely from use of, or inability to access, the website's general informational content.

This limitation does not apply to fraud, willful injury, gross negligence, violations of law or any liability that cannot lawfully be limited. It does not limit privacy rights, insurance-policy rights or duties connected with professional insurance services. Nothing in these terms asks you to waive a right that the law does not allow you to waive.

Which law applies?

California law governs these website terms, subject to applicable federal law and any other mandatory legal protections. These terms do not require arbitration, select an exclusive court or shorten a legal deadline for bringing a claim.

How can you contact us?

For questions about the website or these terms, email hello@tinginsurance.com.

Ting Insurance Services LLC · CA agency license #6019702