Rafail Insurance Agency (“we,” “us,” or “our”) respects your privacy and is dedicated to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our website, https://www.rafailinsurance.com/ (“Site”), or interact with us.

1. Introduction

Welcome to Rafail Insurance Agency. These Terms and Conditions ("Terms") govern your use of our website (rafailinsurance.com) and services. By accessing or using our Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

2. Definitions

"Service" refers to our website and all related offerings including digital training and automation services.

"User" refers to any person who accesses or uses the Service.

"Account" refers to your registered profile with us.

"Content" means any information, text, graphics, videos, or other materials uploaded, downloaded, or appearing on the Service.

3. Account Responsibilities

You are responsible for maintaining the confidentiality of your account login credentials. You agree to provide accurate, current, and complete information during registration and to keep it updated. Rafail Insurance Agency reserves the right to terminate accounts found to be using false or misleading information.

4. Intellectual Property

All content on this site, including logos, training materials, designs, and code, is the property of Rafail Insurance Agency or its licensors. You may not copy, modify, reproduce, or distribute any part of the Service without express written permission.

5. Payment and Refund Policy

All purchases are final and non-refundable. We provide clear product descriptions and access details at time of purchase. If you experience issues, please contact Sylvia.Rafail@rafailinsurance.com for assistance.

6. User Conduct

You agree not to misuse the Service. Prohibited behaviors include:

Attempting to reverse-engineer or hack our platform.

Sharing login credentials with unauthorized users.

Uploading harmful or illegal content.

Using our content for competitive or commercial purposes without permission.

7. Access and Availability

We strive to maintain uptime of our Service, but do not guarantee uninterrupted access. Maintenance, upgrades, or technical issues may temporarily affect site availability.

8. Modifications

We reserve the right to update or modify these Terms at any time. If changes are material, we will provide notice via email or site banner. Continued use of the Service after updates indicates your acceptance.

9. Termination

We may suspend or terminate your account for violating these Terms or for any conduct that harms Rafail Insurance Agency or other users. You may terminate your account by contacting Sylvia.Rafail@rafailinsurance.com.

10. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis. We make no warranties or representations regarding the operation, performance, or results of our platform. Use is at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law, Rafail Insurance Agency shall not be liable for indirect, incidental, or consequential damages resulting from your use of the Service, even if we have been advised of the possibility of such damages. Our total liability is limited to the amount paid by you to us in the preceding 6 months.

12. Governing Law

These Terms are governed by the laws of the State of Texas, United States, without regard to conflict of law principles.

13. Contact Information

For questions or concerns about these Terms, please contact:

Email: Sylvia.Rafail@rafailinsurance.com

Mailing Address: 3311 Richmond Ave. #350, Houston, TX 77098