Terms of Use

Acceptance of Terms
Welcome to Lucero-Benefits.com, owned and operated by Lucero Benefits Services (LBS, “we”, “us”, or “our”), a licensed insurance agency.

About The Site
Lucero-Benefits.com (“LBS”) is an online service, specializing in providing insurance quotes, enrollment options, and connecting consumers with insurance professionals. LBS does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by LBS.

Personal and Noncommercial Use Limitation
In consideration of your use of the Site and Services, You agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not copy, modify, display, publish, transfer, or sell any information, software, products or Services found on or obtained from the Site; provided that You may download, reproduce, and retransmit LBS Information solely for non-commercial purposes within you organization. Without our express authorization, no license or right to any copyright of LBS or any other party is granted or conferred to you.

Copyright and Proprietary Rights Information
The Site may contain technical inaccuracies or typographical errors or omissions. LBS reserves the right to make changes to the Site, Services, products, and programs, at any time without notice.

The Site contains and references trademarks, patents, trade secrets, technologies, products, processes or other proprietary rights of LBS. No license or right to any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of LBS or other entities is granted to You. Trademarks of third parties may also appear on the Site. Third-party logotypes, brand marks, and service marks are the property of their respective owners. You may not use their trademarks without their prior written permission.

We retain all rights, title, and interest in and to our Site and Services, including all content, data, materials, specific implementations of codes, design, features, and all other aspects of the Site, and retain all intellectual and property rights.

By using our Services, You are not granted ownership of our Services, and any commercial use or exploitation of the Service by You is expressly prohibited. You may not copy or redistribute any aspect of our Services without our express authorization. Doing so may be a violation of applicable federal and state laws, and You may be subject to penalties.

We reserve all the rights to our Site contents and may, at our discretion, change the contents of the Site, restrict access to certain sections of the Site, or to discontinue any aspect of the Site or Services, including, but not limited to, content, features, or availability, without notice or penalty.

Your Use of Services
You agree that, while using our Services, You will not do any of the following conduct:

  • Impersonate another person or entity;
  • Exploit our Services for any commercial reason;
  • Engage in any activity prohibited by federal or applicable state law;
  • Engage in any criminal or otherwise unlawful behavior;
  • Limit one’s ability to use our Site or Services;
  • Attempt to upload any computer virus, malicious computer code, or any other harmful digital property; and
  • Commit any action that interferes with, blocks, or otherwise harms our Services.

Links to the Website
You may not establish a hypertext “link” to the Site and/or distribute, modify or re-use the text or graphics of the Site unless You obtain prior express written permission from LBS.

Links to Third Party Sites
This Site may contain links to sites that are controlled by third parties. These linked sites are not under the control of LBS, and LBS is not responsible for the contents of any linked site or any link contained in a linked site. LBS is providing those links to You only as a convenience, and the inclusion of any link does not imply endorsement by LBS of any linked site or constitute any warranty by LBS of any linked site or any items contained on such site.

Governing Law
Any disputes arising out of or related to the Site shall be governed by the laws of the State of California. Further, as a condition of your use of the Site, You warrant to LBS that You will not use the Site for a purpose that is unlawful or prohibited by these terms and notices.

Disclaimer of Warranties

Our Services are provided on an “as is” and “as available” basis to the fullest extent permitted by law. We make no representations of warranties of any kind, express or implied, regarding the use of the Site or Services. We disclaim all warranties regarding the accuracy or reliability of the information provided, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction, or modification under the laws applicable to this agreement.

We do not guarantee that the Service will be secure, uninterrupted, or error-free. We attempt to provide accurate information regarding products and our Services, but we cannot guarantee its accuracy or reliability. The content on this Site is not intended to serve as health, medical, tax, or legal advice. For more detailed explanations of the laws, please consult with a qualified professional.

We cannot guarantee that a user will be able to obtain a quote from any particular company or provider mentioned on the Site. Availability of products of Services may vary by state and may not be available to You. No advice, results, or information that You receive from Us or through the Site or Services creates any warranty.

Limitation of Liability
We are not liable for any damages arising out of or related to the Service or content on the Site. This includes any special, consequential, or incidental damages, loss of profits, or loss of use, regardless of whether such damages arise in contract, negligence, tort, in equity, or otherwise.

You have waived any and all claims against LBS, its agents, representatives, and licensors arising out of your use of the Site or Services.

You agree to indemnify and hold harmless LBS (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, and expenses, including reasonable attorneys’ fees and costs, due to or arising in any way from your use or misuse of the Service, your violation of these Terms of Use, your violation of any law, or infringement by You of any right of any person or entity.

If any provision of these Terms of Use is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, You agree that for any provision that may be found to be invalid and unenforceable, You shall ask the court to endeavor to give effect to the intent of the provision. These Terms of Use constitute the full understanding between You and Us. You agree that any claim arising from or related to the Service must be filed within twelve (12) months of Your use of the Service, regardless of any statute or law to the contrary.

Changes and Updates
We reserve the right to make changes and update our online Privacy Policy and these Term of Use at any time, at our sole discretion. An updated copy of our Online Privacy Policy and these Terms of Use will be kept clearly posted and accessible on this Site at all times.

Contacting Us
If you have any questions or concerns about these terms, please contact info@ucero-benefits.com or by phone (951) 262.9191.

We will retain your information for as long as your account is active or as needed to provide You with our Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.