Terms of Service

Last updated: 2026

These Terms of Service ("Terms") govern your access to and use of stephaniehou.net (the "Service") operated by Stephanie Hou Insurance ("we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Eligibility

You must be at least 18 years of age, or the age of majority in your jurisdiction, to use the Service. By using the Service, you represent that you meet this requirement and have the legal capacity to enter into these Terms.

Acceptable Use

You agree not to violate any applicable law or regulation; infringe the intellectual property or other rights of any third party; transmit harmful, fraudulent, or unlawful content; interfere with or disrupt the Service; attempt to gain unauthorized access to any portion of the Service; or use the Service for any commercial purpose without our written consent.

Intellectual Property

The Service and all content, features, and functionality are owned by Stephanie Hou Insurance or its licensors and are protected by copyright, trademark, and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes.

No Binding Coverage

Information on this website does not bind, modify, or guarantee insurance coverage. Coverage is subject to carrier underwriting, policy forms, exclusions, terms, and written confirmation.

Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, STEPHANIE HOU INSURANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

Indemnification

You agree to indemnify, defend, and hold harmless Stephanie Hou Insurance, its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, and expenses arising out of your use of the Service or violation of these Terms.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to its conflict of law principles. Any dispute arising under these Terms shall be resolved in a court with proper jurisdiction, unless the parties agree to another lawful dispute resolution process.

Changes to These Terms

We may modify these Terms at any time. Continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

Contact

Stephanie Hou Insurance: stephanie@stephaniehou.net | (415) 496-5436