Terms & Conditions

Effective Date: Jan 1, 2026

Welcome to Fast Free Insurance by Paul Nahari. These Terms and Conditions ("Terms") govern your use of our website and our services, including SMS text messaging communications. By using our website, submitting a contact form, or opting in to receive SMS messages, you agree to be bound by these Terms.

1. About Fast Free Insurance by Paul Nahari

Fast Free Insurance by Paul Nahari is a licensed insurance agency that provides quotes and consultation services for medical (health), life, auto, home, and business insurance. We help individuals and businesses find appropriate insurance coverage through licensed carriers.

2. Use of Our Website

You agree to use this website only for lawful purposes and in a manner that does not infringe on the rights of, or restrict or inhibit the use and enjoyment of, the website by any third party. You may not use this website to transmit any unlawful, threatening, defamatory, obscene, or otherwise objectionable material.

3. Quotes and Insurance Information

Insurance quotes provided through this website or in response to your inquiry are estimates only and are not binding offers of insurance coverage. Actual rates, terms, and availability of coverage are determined by the underwriting insurance carrier based on the information you provide and other factors. Coverage cannot be bound or modified through this website; final policy issuance is subject to underwriter approval.

4. SMS Text Messaging Terms

4.1 Opt-In / Consent

You consent to receive SMS text messages from Fast Free Insurance by Paul Nahari when you check the SMS consent box on our contact form, provide your mobile phone number, and submit the form. Consent to receive SMS messages is not a condition of purchasing any insurance product or service.

4.2 Types of Messages You May Receive

• Insurance quote follow-ups and information
• Policy information and account updates
• Appointment reminders and confirmations
• Responses to your inquiries
• Notices related to your policy or account

4.3 Message Frequency

Message frequency varies and depends on your account activity and inquiries. You will only receive messages relevant to the inquiry or service you have requested.

4.4 Message and Data Rates

Message and data rates may apply, depending on your mobile carrier and plan. Fast Free Insurance by Paul Nahari does not charge a fee for sending SMS messages, but standard carrier charges may apply.

4.5 How to Opt Out (STOP)

You can opt out of receiving SMS messages from us at any time. To opt out, reply STOP to any text message you receive from us. After you reply STOP, you will receive a one-time confirmation message confirming that you have been unsubscribed, and you will not receive any further SMS messages from us unless you opt back in.

4.6 How to Get Help (HELP)

If you need help or have questions about our SMS program, reply HELP to any text message you receive from us. You may also contact us at any time by email at info@fastfreeinsurance.xyz.

4.7 Supported Carriers

Our SMS program is supported on most major U.S. mobile carriers. Carriers are not liable for delayed or undelivered messages.

4.8 Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information. Mobile phone numbers and SMS opt-in consent are never shared with third parties or affiliates for marketing or promotional purposes.

5. Email Communications

By providing your email address, you consent to receive email communications from Fast Free Insurance by Paul Nahari related to your inquiry, insurance products, and services. You may unsubscribe from marketing emails at any time by following the unsubscribe link in any marketing email or by contacting us at info@fastfreeinsurance.xyz. Transactional emails (such as policy notices) may still be sent as part of providing service.

6. Phone Calls

By providing your phone number, you authorize Fast Free Insurance by Paul Nahari to contact you by telephone regarding your inquiry, including by autodialer or pre-recorded message where permitted by law. Consent to receive calls is not a condition of purchase. You may revoke consent at any time by informing the caller or by contacting us at info@fastfreeinsurance.xyz.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Fast Free Insurance by Paul Nahari or its licensors and is protected by U.S. and international copyright and other intellectual property laws. You may not reproduce, modify, distribute, or republish any content from this website without our prior written permission.

8. Disclaimer of Warranties

This website and the information it contains are provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or availability of the website or the information on it. Insurance coverage descriptions are provided for informational purposes only and do not constitute an offer of insurance or a complete description of coverage. Refer to the actual policy documents for specific coverage details, terms, conditions, exclusions, and limitations.

9. Limitation of Liability

To the fullest extent permitted by law, Fast Free Insurance by Paul Nahari shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website or our services, even if we have been advised of the possibility of such damages.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party sites and do not endorse the content of those sites.

11. Indemnification

You agree to indemnify, defend, and hold harmless Fast Free Insurance by Paul Nahari and its representatives from any claims, losses, damages, liabilities, or expenses (including reasonable attorneys' fees) arising out of your use of the website or your violation of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Fast Free Insurance by Paul Nahari is licensed to operate, without regard to its conflict of law provisions.

13. Changes to These Terms

We may update these Terms and Conditions from time to time. When we do, we will revise the "Effective Date" at the top of this page. Continued use of our website or services after changes are posted constitutes acceptance of the updated Terms.

14. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

• Business Name: Fast Free Insurance by Paul Nahari
• Email: info@fastfreeinsurance.xyz
• Website: Visit our home page