Beniwal Insurance Agency

Terms & Conditions

Including SMS Terms of Service — Last updated July 31, 2026

Beniwal Insurance Agency — Terms & Conditions

Beniwal Insurance Agency ("we," "us," or "our") owns and operates beniwalinsurance.com and other sites linking to these Terms & Conditions (individually, the "Site", and collectively, the "Sites"). Through the Sites, Beniwal Insurance Agency provides various offerings, information, and resources related to the products and services available on our Sites (each a "Service" and collectively, the "Services"). References to the Sites include the Services.

Beniwal Insurance Agency may change, suspend, modify, or discontinue all or any part of the Sites in its sole discretion with or without notice. Beniwal Insurance Agency is not liable if all or any part of a Site is, for any reason, unavailable at any time or for any period. Beniwal Insurance Agency reserves the right to block or deny access to any of the Sites to anyone at any time for any reason. Beniwal Insurance Agency is not obligated to correct or update any information or content on the Sites.

General Terms

These Terms & Conditions are an agreement between Beniwal Insurance Agency and the individuals that use the Sites ("users," "you," or "your"). The Terms govern your access to and use of the Sites. Subject to your full and ongoing compliance with these Terms, Beniwal Insurance Agency hereby grants you a limited and revocable right to access and use the Sites, solely for their intended purposes. If you use or access the Sites on behalf of a business or other entity, you must have authority to bind that business/entity. In such case, the term "you" includes the business/entity and any of its agents that use or access the Sites. By using or accessing the Sites, you represent and warrant that you are of legal age to accept these Terms and form a binding contract with Beniwal Insurance Agency.

IF YOU ARE UNDER THE AGE OF 18 (A MINOR), YOUR PARENT OR LEGAL GUARDIAN MUST READ AND CONSENT TO THESE TERMS BEFORE YOU USE THE SITES. BY PERMITTING A MINOR TO USE THE SITES, THE MINOR'S PARENT OR GUARDIAN BECOMES SUBJECT TO THESE TERMS AND AGREES TO BE RESPONSIBLE FOR THE MINOR'S ACTIVITIES ON THE SITES.

PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING ANY PAGES ON THE SITES; CREATING AN ACCOUNT; USING ANY SERVICES MADE AVAILABLE THROUGH THE SITES; OR POSTING, SUBMITTING, TRANSMITTING, OR UPLOADING ANY INFORMATION OR CONTENT THROUGH THE SITES, YOU EXPRESSLY AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE TERMS AND ANY APPLICABLE POLICIES AND DISCLAIMERS REFERENCED HEREIN. DO NOT USE THE SITES IF YOU DO NOT AGREE TO THESE TERMS.

Changes to These Terms

Beniwal Insurance Agency reserves the right to update or modify these Terms at any time, with or without prior notice. Any such changes will become effective upon the earlier of (i) the first time you use the Sites or Services with actual notice of the change(s), or (ii) 30 days after the change(s) are publicly posted on the Sites. Disputes arising under these Terms will be resolved in accordance with the version of the Terms in place at the time the dispute arose.

Account Access and Security

You may be required to register and create an account to access some content and functionality on the Sites. You are responsible for maintaining the confidentiality of your account, password, and other information. You agree to notify Beniwal Insurance Agency immediately if you become aware of any unauthorized access to or use of your account. Any information you provide to Beniwal Insurance Agency must be correct, current, and complete. Our use of your information is governed by our Privacy Policy.

User Content

The Sites may contain Services that allow you and others to post, submit, publish, display, or otherwise transmit ("post") various information and materials ("User Content"). You retain ownership rights in and to your User Content, and by posting User Content to the Sites, you hereby grant Beniwal Insurance Agency an unrestricted, non-exclusive, perpetual, royalty-free, worldwide, transferable, sublicensable, and irrevocable license and right to use, edit, copy, reproduce, disclose, display, publish, distribute, or otherwise use such User Content and derivatives thereof, in whole or in part, and in any form, media, or technology now known or hereafter developed.

Content Standards

You agree that you will not post any User Content that (a) infringes on or violates any intellectual property rights, (b) fails to comply with applicable laws and regulations, or (c) contains any expressions of hate, abuse, offensive images or conduct, or any similar content. User Content must not:

  • contain defamatory, libelous, obscene, abusive, offensive, harassing, violent, hateful, inflammatory, sexually explicit, or otherwise objectionable material;
  • promote violence or discrimination based on race, ethnicity, sex, religion, nationality, disability, sexual orientation, gender identity, or age;
  • violate any person's or entity's legal rights, including intellectual property rights, moral rights, and rights of publicity and privacy;
  • impersonate any person or entity or misrepresent your identity or affiliation;
  • contain any material that is unlawful or could result in civil or criminal liability; or
  • conflict with these Terms or any other applicable law or policy.

Reliance on Posted Information

The Sites may include content provided by third parties. Other than content provided by Beniwal Insurance Agency, all statements and opinions expressed are solely the opinions and responsibility of the party providing those materials. Beniwal Insurance Agency is not responsible for the content of any materials provided by third parties and does not warrant the accuracy, completeness, or reliability of any such information.

Governing Law and Jurisdiction

You agree that all matters relating to the Sites and these Terms, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the internal laws of the State of California without giving effect to any choice or conflict of law provision or rule.

SMS Terms of Service

Consent to Receive SMS Messages

By opting into SMS notifications through a web form or any other medium, you agree to receive text messages from Beniwal Insurance Agency at https://beniwalinsurance.com. These messages contain information related to insurance quotes, policy updates, appointment reminders, and other service communications. To view our Privacy Policy, visit https://beniwalinsurance.com/privacy. Message frequency varies, and message and data rates may apply. Text HELP for assistance. Reply STOP to any message to opt out.

A. Opt-In Disclosure

By opting into SMS, you acknowledge and agree to the following:

  • You consent to receive SMS messages from Beniwal Insurance Agency as described above.
  • Message & data rates may apply.
  • Message frequency may vary.
  • You can opt out of SMS communications at any time by replying STOP to any message.
  • You can get help by replying HELP — alternatively, help can be obtained directly from us at https://beniwalinsurance.com

B. Help and Opt-Out Messages

HELP Message: If you text HELP, you will receive the following message: "Thank you for contacting Beniwal Insurance Agency. You can find help online at https://beniwalinsurance.com"

STOP Message: If you text STOP, you will receive the following confirmation message: "You will no longer receive messages from Beniwal Insurance Agency. To opt back in at any time, reply START."

Message Frequency & Rates

Message frequency may vary based on your interactions with our agency. Message and data rates may apply depending on your mobile carrier and plan.

SMS Consent & Privacy

SMS consent is not shared with third parties or used for any purpose other than the communications described above. Your mobile number will never be sold or disclosed to unaffiliated third parties for their own marketing purposes. For full details on how we collect, use, and protect your personal information, please review our Privacy Policy.

Contact Us

For assistance, reply HELP to any message, or contact us directly:

  • Email: [email protected]
  • Phone: (559) 774-0450
  • Address: 7108 N Fresno St, Suite 150, Fresno, CA 93720

Last updated: July 31, 2026