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TERMS AND CONDITIONS

Last Updated: May 2026

Welcome to the website of LATINO INSURANCES TITLES AND MORE (“we,” “our,” “us,” or “the Company”). By accessing or using this website, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with these terms, please do not use this website.

1. SERVICES PROVIDED

LATINO INSURANCES TITLES AND MORE provides services related to:

  • Auto insurance

  • Home insurance

  • Commercial insurance

  • Title transfers

  • Bond titles

  • Notary services

The information provided on this website is for informational purposes only and does not constitute legal, financial, or contractual advice.

2. WEBSITE USE

By using this website, you agree to:

  • Provide accurate and current information.

  • Not use the website for illegal or fraudulent activities.

  • Not attempt unauthorized access to systems, servers, or protected information.

  • Use the website only for lawful purposes related to our services.

We reserve the right to restrict or terminate access to the website for violations of these terms.

3. INSURANCE QUOTES AND SERVICES

Quotes provided through our website or associated platforms, including EZLynx AutoRater, are estimates subject to review and approval by insurance carriers. Policy issuance, pricing, coverage, and eligibility are subject to:

  • Verification of information.

  • Driving history.

  • Insurance history.

  • Property or business information.

  • Insurance carrier underwriting requirements.

LATINO INSURANCES TITLES AND MORE does not guarantee automatic approval of coverage or policy issuance.

4. TITLE TRANSFER AND BOND TITLE SERVICES

Title transfer and bond title services depend on the documentation provided by the client and the requirements established by the appropriate state authorities. The client is responsible for:

  • Providing valid and authentic documentation.

  • Verifying the accuracy of submitted information.

  • Complying with all applicable legal requirements.

LATINO INSURANCES TITLES AND MORE does not guarantee specific processing times, as some services depend on external government agencies.

5. NOTARY SERVICES

Our notary services are performed in accordance with applicable state laws. Clients agree to:

  • Present valid identification.

  • Sign documents voluntarily.

  • Provide truthful and complete information.

We reserve the right to refuse notary services when there are reasonable concerns regarding identity, authenticity, willingness, or legality of the document.

6. PRIVACY AND INFORMATION COLLECTION

We may collect personal information when you:

  • Complete forms.

  • Request quotes.

  • Contact us by phone, email, or SMS.

  • Request insurance, title, or notary services.

Information collected may include: Full name, phone number, email address, physical address, insurance-related information, vehicle and title-related information, business-related information, and any information voluntarily provided by the user.

7. USE OF INFORMATION

Collected information may be used to:

  • Provide quotes.

  • Process requests.

  • Contact clients.

  • Schedule appointments.

  • Provide customer support.

  • Send service-related updates.

  • Comply with legal and regulatory obligations.

8. DISCLOSURE AND SHARING OF INFORMATION

We may share information only when necessary to provide services, including with:

  • Insurance companies.

  • Rating and quoting platforms.

  • Government agencies.

  • Administrative service providers.

  • Authorized service processors.

We do not sell personal information to third parties.

9. SMS CONSENT (OPT-IN)

By providing your phone number and actively checking the optional opt-in box on our registration forms, you consent to receive SMS messages from LATINO INSURANCES TITLES AND MORE.

  • Consent Language: “By checking this box, I consent to receive SMS from LATINO INSURANCES TITLES AND MORE. Reply STOP to opt-out; Reply HELP for support; Message & data rates may apply; Messaging frequency may vary. Visit https://www.latinoinsurances.org/about-1 to see our privacy policy and https://www.latinoinsurances.org/about-1 for our Terms of Service."

  • SMS consent is collected independently and is strictly optional. It is not a requirement to purchase any goods or services from us.

10. SMS DISCLOSURE, ASSISTANCE & OPT-OUT LOGIC

To ensure full compliance with mobile carrier guidelines, our automated SMS program strictly adheres to the following messaging protocols:

  • Opt-In Response Message: "Thank you for opting into SMS messages from LATINO INSURANCES TITLES AND MORE. For help, reply HELP. To opt out at any time, reply STOP. Message and data rates may apply. Messaging frequency may vary."

  • HELP Response Message: "Thank you for contacting LATINO INSURANCES TITLES AND MORE. We will be in touch with you soon to help. For immediate assistance please visit our website https://www.latinoinsurances.org/about-1, call us at (512) 539-8200, or email us at info@latinoinsurances.org."

  • STOP / Opt-Out Response Message: "Thank you for opting out of SMS messages from LATINO INSURANCES TITLES AND MORE. To opt back in at any time, reply START. You will receive no additional messages."

  • Privacy Guardrails: Phone numbers collected for SMS enrollment and the consent granted are strictly confidential. SMS opt-in data and consent will not be shared with, sold, or rented to third parties, external providers, or affiliates for marketing or promotional purposes under any circumstances.

11. INFORMATION SECURITY

We implement reasonable administrative, technical, and physical safeguards to protect the personal information we collect. However, no electronic storage or transmission method is completely secure.

12. THIRD-PARTY LINKS

Our website may contain links to third-party websites, including quoting platforms or external providers. We are not responsible for the content, privacy practices, or policies of those external websites.

13. LIMITATION OF LIABILITY

LATINO INSURANCES TITLES AND MORE shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use this website or the services provided.

14. MODIFICATIONS

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes become effective immediately upon posting on this page.

15. CONTACT INFORMATION

If you have questions regarding these Terms and Conditions or our Privacy Policy, you may contact us through:

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