Terms & Conditions

These Terms and Conditions govern your use of Graystone Risk Management and Insurance Services's website, forms, quote requests, communications, and related online services. By using this website or communicating with us through it, you agree to these Terms. If you do not agree, please do not use the website.

Graystone Risk Management and Insurance Services is a California insurance agency. California Insurance License #6016794. Individual license information may also appear on this website for licensed representatives. Insurance products are subject to carrier underwriting, eligibility, policy terms, exclusions, conditions, and applicable law.

Submitting a form, sending a text, sending an email, leaving a voicemail, uploading documents, receiving a quote indication, or discussing coverage does not bind, change, cancel, renew, or reinstate insurance coverage.

Coverage is only bound when expressly confirmed in writing by an authorized insurance carrier, broker, or agency representative with the necessary underwriting approval. Do not rely on website content or a pending quote request as proof that coverage exists.

Quotes, proposals, premium estimates, payment estimates, and coverage discussions are based on the information available at the time and may change after underwriting review, inspections, carrier review, loss history review, document review, or updated information.

You are responsible for providing accurate, complete, and current information. Incorrect or incomplete information may affect eligibility, premium, coverage, claims handling, cancellation, or policy issuance.

Website content is provided for general informational purposes and should not be treated as legal, tax, financial, claims, safety, regulatory, or coverage advice. Policy language controls over website summaries or examples.

You should review actual policy forms, endorsements, exclusions, limits, deductibles, declarations, invoices, and carrier documents before making insurance decisions.

You may contact Graystone by phone, email, SMS/MMS, WhatsApp, online form, mail, or in person. Electronic communications may not be immediate, secure, or error-free. If you need urgent assistance with coverage, cancellation, a claim, or a time-sensitive matter, call the office directly.

By providing contact information, you authorize us to respond using the contact methods you provide, subject to our Privacy Policy and SMS Terms of Service.

Text messaging is governed by our SMS Terms of Service. SMS consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help.

The website design, text, graphics, images, logos, page structure, and other content are owned by or licensed to Graystone unless otherwise noted. You may not copy, republish, modify, or commercially exploit website content without written permission.

The website may link to or work with third-party services such as maps, analytics tools, carrier websites, payment processors, messaging providers, email services, or document tools. Graystone is not responsible for third-party websites, policies, downtime, or content.

To the fullest extent permitted by law, Graystone is not liable for damages arising from website use, website unavailability, errors, delays, third-party services, or reliance on general website content. This does not limit rights that cannot be limited under applicable law.

These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules. Questions may be sent to info@graystoneriskman.com, by phone at (619)761-1113, or by mail to 1590 Continental St. # 206, San Diego, CA 92154.