Legal
Terms & Conditions
Effective Date: March 25, 2026
These Terms & Conditions ("Terms") govern your use of this website and services provided by The Lombraña Agency, operated by Fog Valley Media LLC ("we," "our," or "us").
By accessing this website or submitting your information, you agree to these Terms. If you do not agree, please do not use this website.
1. Services Provided
The Lombraña Agency provides insurance-related information, product education, and consultation services. We may assist in facilitating communication with licensed insurance carriers, distribution partners, underwriters, and related service providers.
We operate as an independent insurance agent. We do not guarantee approval, coverage, product availability, or specific pricing for any insurance product.
2. No Financial or Legal Advice
Information provided through this website is for general informational purposes only and should not be considered financial, legal, tax, or other professional advice.
You should consult with a qualified professional before making any financial or insurance-related decisions.
3. User Responsibilities
By using this website, you agree that:
- All information you provide is accurate and truthful
- You are at least 18 years old
- You are authorized to provide the information submitted
- You will not use this website for fraudulent, misleading, or unlawful purposes
4. Consent to Communication
By submitting your information, you expressly consent to be contacted by The Lombraña Agency, operated by Fog Valley Media LLC via phone, SMS/text message, and email, including through automated systems or prerecorded/artificial voice messages.
Message and data rates may apply. Message frequency may vary. You may opt out at any time by replying STOP to SMS messages or using unsubscribe links where available.
Consent is not a condition of purchase.
5. Third-Party Services
We utilize third-party services and technology platforms to operate this website and deliver our services. These may include:
- Email delivery and form processing providers
- Cloud-based data storage, workflow processing, and file generation services
- Website hosting and deployment providers
- Customer relationship management (CRM), lead management, quoting, and communication systems
We are not responsible for the independent performance, security practices, or policies of third-party services.
6. Data Storage & Processing
By submitting your information, you acknowledge that your data may be stored, processed, organized, exported, and transmitted through third-party platforms reasonably necessary to operate this system and respond to your request.
7. No Guarantee of Results
We do not guarantee any specific outcomes, including but not limited to:
- Insurance approval
- Policy pricing or rates
- Coverage availability
- Product eligibility or underwriting decisions
8. Limitation of Liability
To the fullest extent permitted by law, Fog Valley Media LLC and The Lombraña Agency shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this website or services.
This includes, but is not limited to, loss of data, loss of opportunity, financial loss, delayed communication, third-party system interruptions, or business interruption.
9. Indemnification
You agree to indemnify and hold harmless Fog Valley Media LLC and The Lombraña Agency from any claims, damages, liabilities, costs, or expenses resulting from your use of this website or your violation of these Terms.
10. Intellectual Property
All content on this website, including text, layout, design, branding, and structure, is the property of Fog Valley Media LLC unless otherwise stated and may not be copied, reproduced, or distributed without permission.
11. Modifications
We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the website constitutes acceptance of those changes.
12. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the State of California.
13. Contact Information
The Lombraña Agency
Operated by Fog Valley Media LLC
4109 Blue Bird Dr.
Modesto, CA 95356
Phone: (916) 249-7988
Email: joey@lombranaagency.com