Terms and Conditions
Last updated: 2026
Acceptance of terms
By using this website you agree to these terms. If you do not agree, please do not use the site. This website is operated by Joy Cai Insurance Agency, Inc., CA License #0F07385.
Informational purpose only
Content on this website is general information about insurance products and services. It is not legal, tax, or financial advice, and it is not an offer of insurance. Coverage descriptions are summaries; the actual policy issued by the carrier controls terms, conditions, exclusions, and limits.
Quote requests do not bind coverage
Submitting the quote form, sending an email, or leaving a voicemail does not bind, alter, or cancel insurance coverage. No coverage exists until an insurance carrier accepts the risk and issues written confirmation. Requests submitted outside business hours are reviewed on the next business day.
Information you provide
You agree that the information you submit is accurate and that you are authorized to provide it. Please do not send Social Security numbers, driver's license numbers, payment card information, or medical records through this website or by email.
Third-party carriers and external links
We work with third-party insurance carriers who make their own underwriting, rating, billing, and claims decisions. This site also links to external services such as mapping and review platforms and to our digital profile at https://connect.joycai.com. We are not responsible for the content, availability, or practices of third-party sites.
Intellectual property
The agency name, logo, text, and design on this site are the property of Joy Cai Insurance Agency, Inc. and may not be reproduced without permission.
Limitation of liability
This website is provided on an "as is" basis. To the extent permitted by law, we are not liable for damages arising from your use of the site or from reliance on its general content.
Governing law
These terms are governed by the laws of the State of California.
Contact
Questions about these terms may be sent to joy@joycai.com or (650) 677-2888.