Need assistance? 
+1 815-826-6324 (815-8-BondAI) 
phil@AmericasSuretyBonds.com
Expert Surety Bonds Since 2004
Need assistance? +1 815-826-6324 (815-8-BondAI) phil@AmericasSuretyBonds.com
Expert Surety Bonds Since 2004
Effective Date: July 27, 2026
AmericasSuretyBonds.com® and America's Surety Bonds® ("Website") are registered trademarks owned by Nagashima Pavarini Ltd., which also owns and operates the Website. The Website and the marks are used under license by Philip E Pavarini Jr.
The Website is owned and operated by Nagashima Pavarini Ltd. and is used under license by Philip E Pavarini Jr, a licensed insurance producer, NPN 8314541, California License No. 4481016, licensed in 49 states and the District of Columbia. All insurance solicitation, quoting, and bond placement arising from this Website is conducted by Philip E Pavarini Jr or by a referred licensed party. Nagashima Pavarini Ltd. does not sell, solicit, or negotiate insurance through this Website and is not the producer of record on any bond. The Website operates primarily as a referral and informational platform.
This Privacy Policy explains how we collect, use, share, and protect information when you visit or interact with the Website. By accessing or using the Website, you agree to this Privacy Policy in its entirety. If you do not agree, do not use the Website. This Policy applies to all visitors, users, and any other party who interacts with the Website in any manner.
The Website is an informational and referral platform. It is not a surety company, not a bonding company, not an insurer, and not a claims administrator. We do not underwrite, issue, execute, countersign, service, or adjudicate any bond, policy, or claim through this Website.
Inquiries submitted through the Website may be referred, at our sole discretion, to any licensed insurance agent, agency, broker, managing general agent, program administrator, surety, or insurer that we select. We reserve the right to change referral partners at any time, for any reason, without notice, and without any obligation to you. No referral creates any agency relationship, fiduciary duty, or contractual obligation between you and the operator of this Website.
Where to find your agent of record and your surety. If you have already obtained a bond, the identity of the agent or agency of record and the identity of the insurance carrier, surety, or bonding company that issued your bond appears on your bond form, your bond power of attorney, your declarations page, your invoice, or your policy documents. Please review those documents to identify the correct party. All questions regarding underwriting, issuance, renewal, cancellation, billing, servicing, claims, indemnity, or the handling of your personal information after referral must be directed to the agent of record or issuing carrier named in those documents, and not to this Website.
Personal Information. Information you voluntarily provide when you complete a form, submit a bond inquiry, or otherwise contact us. This may include your name, business name, email address, telephone number, mailing address, and any other information you elect to share.
Usage Data. Information collected automatically when you visit the Website, including IP address, browser type, device identifiers, operating system, referring URL, pages viewed, and access times.
Cookies and Tracking Technologies. We use cookies, pixels, tags, and similar technologies to analyze usage, measure performance, and improve the Website. These include first-party cookies and third-party cookies from analytics and advertising services. You may disable cookies through your browser settings, but portions of the Website may not function properly.
Credit and Underwriting Information. We do not underwrite. If you request a bond, your inquiry may be referred to a licensed agent, agency, or carrier. Any credit report, background check, financial statement review, or other underwriting activity is performed solely by that referred party under its own authority, its own consents, and its own privacy practices. We are not a consumer reporting agency and do not furnish consumer reports.
We use collected information to operate and maintain the Website, route inquiries to a licensed agent or agency, communicate with you regarding your inquiry, analyze usage and improve content and functionality, protect site security, prevent fraud or abuse, and comply with legal obligations.
With Licensed Agents, Agencies, and Carriers. If you submit a bond inquiry, your information will be shared with one or more licensed parties selected by us in our sole discretion for the purpose of quoting, underwriting, or issuing a bond. Once your information is transmitted, the receiving party is solely responsible for its use, storage, protection, retention, and disclosure under its own privacy policy and under applicable law. We have no control over, and accept no responsibility or liability for, the privacy or data security practices of any referred party.
With Service Providers. We may engage vendors for hosting, analytics, communications, security, and support. These providers are contractually or functionally limited to using data as necessary to perform their services.
For Legal Compliance. We may disclose information where required by law, subpoena, court order, regulatory demand, or where we believe in good faith that disclosure is necessary to protect our rights, safety, property, or the rights and safety of others.
In Business Transfers. In connection with a merger, acquisition, reorganization, financing, or sale of assets, information may be transferred as part of that transaction.
We do not sell your personal information and we do not share it for cross-context behavioral advertising in exchange for monetary consideration.
We use cookies and analytics tools to understand traffic and improve service. You may manage cookie preferences through your browser. Certain browsers offer a "Do Not Track" signal. Because there is no industry standard for responding to such signals, the Website does not currently respond to them.
We implement commercially reasonable administrative, technical, and physical safeguards. However, no method of transmission or storage is completely secure, and we cannot and do not guarantee absolute security. You transmit information to us at your own risk. Once information has been referred to an outside agent, agency, or carrier, that party alone is responsible for its protection. For security questions relating to a submitted bond application, contact the issuing agent or carrier identified on your bond documents.
We retain information only as long as reasonably necessary to fulfill the purposes described in this Policy, to satisfy legal, tax, regulatory, or recordkeeping obligations, and to establish or defend legal claims. When no longer needed, data is deleted or anonymized.
Depending on your jurisdiction, you may have the right to request access to your personal information, correction or deletion of your personal information, restriction of or objection to processing, portability of your data, and withdrawal of consent where processing is consent based. You will not be discriminated against for exercising these rights.
To exercise a right, use the "Secure Message" option on this Website. We may need to verify your identity before responding. Requests concerning information already held by a referred agent, agency, or carrier must be directed to that party.
The Website may link to or reference third-party websites, tools, government resources, or services that we do not operate or control. We are not responsible for their content, accuracy, availability, security, or privacy practices. Any third-party name referenced on the Website is for informational purposes only and does not imply endorsement, affiliation, sponsorship, or partnership.
The Website is not directed to children under 13 and we do not knowingly collect information from them. If you believe a child has submitted information, contact us and we will delete it promptly.
We may use anonymized or aggregated search, interaction, and usage data to improve our content, tools, automated systems, and services, and to analyze usage trends. We may share aggregated, non-identifiable data with vendors or research partners. Such data contains no personal identifiers.
If you access the Website from outside the United States, your information may be transferred to, stored in, and processed in the United States or other jurisdictions whose data protection laws may differ from those of your country. By using the Website you consent to such transfer and processing.
Informational purposes only. All content on the Website, including bond descriptions, requirements, forms, rate estimates, timelines, and links to government or court resources, is provided for general informational purposes only. It is not legal, tax, accounting, financial, or professional advice, and it is not an offer, binder, quote, or promise of coverage. Bond requirements, amounts, forms, and filing procedures change frequently and vary by jurisdiction and obligee. You are solely responsible for verifying all requirements with the applicable court, agency, obligee, or your own professional advisor.
No guarantee of bond issuance. Submission of an inquiry does not create an application, does not bind coverage, and does not guarantee that any bond will be quoted, approved, or issued at any particular rate or at all. Approval is subject to the independent underwriting of a surety.
No warranty. THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.
Limitation of liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PHILIP E PAVARINI JR, NAGASHIMA PAVARINI LTD., NOR ANY OF THEIR OWNERS, OFFICERS, EMPLOYEES, LICENSORS, CONTRACTORS, OR AFFILIATES SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITY, BONDING CAPACITY, OR GOODWILL, ARISING OUT OF OR RELATING TO THE WEBSITE, ANY REFERRAL, ANY ACT OR OMISSION OF ANY REFERRED AGENT, AGENCY, OR CARRIER, OR ANY DELAY, DENIAL, CANCELLATION, OR NONISSUANCE OF ANY BOND, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE WEBSITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100.00).
Third-party conduct. We are not responsible for the acts, omissions, errors, delays, misrepresentations, licensing status, solvency, data practices, or claim decisions of any agent, agency, broker, surety, insurer, court, obligee, or other third party, whether or not that party received a referral from this Website.
Some jurisdictions do not allow certain exclusions or limitations. In those jurisdictions, the above applies to the fullest extent permitted by law.
You agree to indemnify, defend, and hold harmless Philip E Pavarini Jr, Nagashima Pavarini Ltd., and their owners, officers, employees, contractors, licensors, and affiliates from and against any claims, demands, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Website, your submission of information, your violation of this Policy, or your violation of any law or third-party right.
We may receive a flat referral fee, advertising fee, commission, or other compensation from a referred agent, agency, or carrier, where permitted by applicable law. Referral decisions may be influenced by such arrangements. Nothing on this Website should be construed as an independent, comprehensive, or fiduciary comparison of all available markets.
Any dispute arising out of or relating to this Privacy Policy or the Website shall be resolved on an individual basis only. You waive any right to participate in a class, collective, consolidated, or representative action. Any claim must be brought within one (1) year after the claim arises, or it is permanently barred, to the extent permitted by law.
We may update this Policy at any time. Changes take effect upon posting with a revised effective date. Continued use of the Website after posting constitutes acceptance.
If any provision of this Policy is held unenforceable, that provision shall be modified to the minimum extent necessary or severed, and the remaining provisions shall remain in full force. Our failure to enforce any provision is not a waiver of that provision.
This Privacy Policy is governed by the laws of the State of North Carolina, without regard to its conflict of law principles.
For questions about this Privacy Policy, contact us through the "Secure Message" feature on this Website.
Philip E Pavarini Jr, Licensed Insurance Producer NPN 8314541 | CA License No. 4481016 Licensed in 49 states and the District of Columbia
