Terms of Service
Last updated: March 29, 2026 · Asena Capital Insurance Services · CA Lic. #6008596
1. Acceptance of Terms
By accessing or using the website located at asenainsurance.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. Asena Capital Insurance Services ("Asena," "we," "us," or "our") reserves the right to modify these Terms at any time. Continued use of the Site after any modification constitutes acceptance of the updated Terms.
2. Nature of Services
Asena Capital Insurance Services is a licensed California insurance broker (CA Lic. #6008596). The information on this Site is provided for general informational purposes only and does not constitute insurance advice, a binding insurance quote, or a contract of insurance. Coverage terms, conditions, exclusions, and premiums are determined solely by the applicable insurance policy issued by an admitted or surplus lines carrier. Nothing on this Site creates an insurance policy or guarantees coverage.
3. No Guarantee of Coverage
Submission of a quote request form, contact form, or any other inquiry through this Site does not bind coverage and does not create an insurance policy. Coverage is only effective when a policy has been issued by an authorized carrier and the applicable premium has been paid. We make no representation that any specific coverage, limit, or premium will be available for any particular applicant.
4. Accuracy of Information
We strive to provide accurate and up-to-date information on this Site. However, insurance regulations, rates, and requirements change frequently. Information regarding California CSLB requirements, workers' compensation rates, and coverage requirements is provided for general guidance only and may not reflect the most current regulatory requirements. You should consult with a licensed insurance professional before making any coverage decisions.
5. Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of Asena Capital Insurance Services or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content on this Site without our prior written consent.
6. User Conduct
You agree not to use this Site for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Site. You agree not to attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site. You agree not to submit false or misleading information through any form on the Site.
7. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this Site, you consent to the collection and use of your information as described in our Privacy Policy.
8. Third-Party Links
This Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
9. Disclaimer of Warranties
THIS SITE AND ITS CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ASENA CAPITAL INSURANCE SERVICES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS SITE OR THE INFORMATION CONTAINED HEREIN, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED $100.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in San Diego County, California.
12. Contact Information
If you have any questions about these Terms, please contact us at: Asena Capital Insurance Services CA Lic. #6008596 Phone: (858) 925-9555 Email: [email protected]