Terms & Conditions

Moreno Assurance & Digital Services LLC
These Terms & Conditions (“T&C”) govern your use of the Moreno Assurance & Digital Services LLC website and services. By accessing or using our website, you agree to these terms.

1. Use of Website
You may use this website for lawful purposes only. You agree not to:
•     Engage in unauthorized access or misuse
•     Attempt to disrupt website functionality
•     Use the website for fraudulent or harmful activities

2. Services Provided
Moreno Assurance & Digital Services LLC offers:
•     Insurance consultations and services
•     Digital services for individuals and small businesses
•     Online scheduling, communication, and resource access
We may modify or discontinue services at any time.

3. No Professional or Legal Advice
Information on this website is for general informational purposes only and does not constitute legal, financial, or professional advice. For personalized guidance, consult a licensed professional.

4. Intellectual Property
All content on this website—including text, graphics, branding, and digital materials—is the property of Moreno Assurance & Digital Services LLC and may not be copied, reproduced, or distributed without permission.

5. Payments
If applicable, payments for services must be made through approved methods. All fees are disclosed prior to service delivery.

6. Account Suspension or Termination
We reserve the right to suspend or terminate access for users who violate these Terms & Conditions or engage in harmful behavior.

7. Limitation of Liability
We are not liable for:
•     Website interruptions
•     Errors or inaccuracies in content
•     Losses resulting from unauthorized access
•     Damages arising from use or inability to use the website
To the fullest extent permitted by law, your use of the website is at your own risk.

8. Third‑Party Links
Our website may contain links to third‑party websites. We are not responsible for their content, policies, or practices.

9. Changes to These Terms
We may update these Terms & Conditions at any time. Continued use of the website constitutes acceptance of the updated terms.

10. Contact Information
For questions about these Terms & Conditions, contact us at:
📧 annette@morenoassurance.com