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Terms & Conditions 

Terms and Conditions of Use

Welcome to www.mca360lifesolutions.com  (the "Website"), operated by MCA360 Life Solutions ("we," "us," or "our"), and managed by a licensed California insurance agent — California License No. 4182208 — NPN National Producer Number 20188055 — By accessing or using this Website, you agree to be bound by the following Terms and Conditions. If you do not agree with these terms, please do not use the Website.

 

Use of the Website

 

  • You must be at least 18 years of age to use this Website.

  • You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use of the Website.

  • Unauthorized use of the Website, including but not limited to hacking, data mining, or any activity that may cause harm to the Website or its users, is strictly prohibited and may result in legal consequences under California law, including penalties for transacting insurance without a valid license (California Insurance Code Section 1633).​  

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Insurance Services

 

  • The Website provides information about insurance products and services offered through MCA360 Life Solutions and its partners, including but not limited to life, accident, health, and disability insurance policies, as authorized by our California insurance agency license.

  • Quotes provided on the Website are estimates and not binding. Final premiums and coverage details will be confirmed by the insurance provider.

  • MCA360 Life Solutions is not an insurance carrier and does not guarantee coverage or claims outcomes. All insurance transactions are conducted in compliance with California Insurance Code regulations.

 

Intellectual Property

 

  • All content on the Website, including text, graphics, logos, and images, is the property of MCA360 Life Solutions or its licensors and is protected by California and federal copyright and intellectual property laws.

  • You may not reproduce, distribute, modify, or create derivative works of any content from the Website without prior written consent from MCA360 Life Solutions.

 

User Information

 

  • Any personal information you provide through the Website is subject to our Privacy Policy (see below) and is protected in accordance with the California Consumer Privacy Act (CCPA) and other applicable laws.

  • You are responsible for ensuring the accuracy and completeness of any information you submit. Providing false or misleading information may violate California Insurance Code Section 1633 and result in penalties.​ 

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​​​Limitation of Liability

 

  • MCA360 Life Solutions will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Website or any services provided, to the extent permitted by California law.

  • We do not guarantee uninterrupted or error-free access to the Website.

 

Changes to Terms

 

  • We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to the Website. Your continued use of the Website constitutes acceptance of the revised terms.

 

Governing Law

 

  • These Terms and Conditions are governed by the laws of the State of California, including the California Insurance Code and other applicable regulations. Any disputes arising from the use of the Website will be resolved in the courts of Los Angeles County, California.

 

Compliance with California Law

 

  • MCA360 Life Solutions operates under a valid California insurance agent license issued by the California Department of Insurance (CDI). All insurance-related activities are conducted in accordance with CDI regulations, including licensing, disclosure, and consumer protection requirements.

  • As required by California Insurance Code Section 1725, our license is prominently displayed in our office, and our license number appears on all business cards, written price quotations, and print advertisements distributed in California.

 

Contact Us

 

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​Last Updated: June 23, 2025

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