Terms of Use

Last updated: August 12, 2026

Acceptance of Terms

By using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.

General Information Only (Not Advice)

The content on this website is provided for general information only. It is not a contract and does not replace the policy documents issued by an insurance carrier.

Nothing on this website is legal, tax, financial, or medical advice. If you need advice, you should speak with a qualified professional.

No Guarantee of Coverage or Rates

Insurance availability, eligibility, pricing, and benefits depend on the application, underwriting, carrier rules, and state licensing requirements. We do not guarantee:

• approval
• rates
• coverage amounts
• claim outcomes

Policy Documents Control

All coverage is subject to the policy terms, conditions, limitations, and exclusions. If there is any difference between information on this website and the policy, the policy controls.

Licensing & Service Area

We provide insurance services only where properly licensed. Information on this website is intended for residents of the state(s) we serve, subject to licensing and carrier availability.

Third-Party Links

This website may include links to third-party websites. We do not control those websites and are not responsible for their content, availability, or privacy practices.

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is owned by or licensed to Punjab Insurance USA and is protected by applicable laws. You may not copy, reproduce, or distribute website content without written permission, except for personal, non-commercial use.

Website Use Rules

You agree not to:

• misuse the website
• attempt unauthorized access to the website, server, or accounts
• upload viruses or harmful code
• interfere with website performance
• use the website in a way that violates any law

We may restrict or block access if we believe the website is being misused.

Communications

If you contact us or submit a form, you agree we may respond by phone call, text message, WhatsApp, or email regarding your request.

Consent is not required to purchase insurance. Message/data rates may apply. You can opt out of non-essential messages by contacting us.

Limitation of Liability

To the fullest extent allowed by law, Punjab Insurance USA is not liable for any damages arising from the use of this website, including:

• reliance on website content
• interruptions or website errors
• delays in communication
• third-party website issues

Changes to These Terms

We may update these Terms of Use at any time. Updates will be posted on this page with a revised “Last updated” date. Continued use of the website means you accept the updated terms.

Contact Us

Questions about these Terms:

• Email: info@punjabinsurance.com