Please read these Terms of Service ("Agreement", "Terms of Service") carefully before using ("the Site") operated by Difference Financial & Insurance Services, Inc. ("us", "we", or "our"). This Agreement sets forth the legally binding terms and conditions for your use of the Site at

By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms of Service. Capitalized terms are defined in this Agreement.

Intellectual Property
The Site and its original content, features and functionality are owned by Difference Financial & Insurance Services, Inc. and are protected by international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with you. All provisions of this Agreement that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Links To Other Sites
Our Site may contain links to third-party sites that are not owned or controlled by Difference Financial & Insurance Services, Inc..
Difference Financial & Insurance Services, Inc. has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party site that you visit.

Governing Law
This Agreement (and any further rules, policies, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of the United States (USA) and California without giving effect to any principles of conflicts of law.

Changes To This Agreement

We reserve the right, at our sole discretion, to modify or replace these Terms of Service by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Service.

Please review this Agreement periodically for changes. If you do not agree to any of this Agreement or any changes to this Agreement, do not use, access or continue to access the Site or discontinue any use of the Site immediately.

If you have any questions about this Agreement, please contact us.
Phone: 310-787-8920

Copyright and trademark notices
All contents of the website are Copyright © 2014 Difference Financial & Insurance Services, Inc. and/or its suppliers, affiliates and partners. All rights reserved.

Difference Financial & Insurance Services, Inc.™ and™ is registered trademark of Difference Financial & Insurance Services, Inc.. The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

Notices and procedure for making claims of copyright infringement
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE ABOVE PROCEDURE WILL RECEIVE NORESPONSE.

This Agreement was last modified on September 05, 2014.

Executive Office

Difference Financial & Insurance Services
  • 1601 Pacific Coast Hwy.Hermosa Beach
  • 310.787.8920

Executive Office

Difference Financial & Insurance Services
  • 4455 Murphy Canyon Rd. Suite#100, San Diego, CA 92123
  • 909-347-0311

Bakersfield, CA
  • 661-428-1705

What we do

DIFFERENCE helps everyday people establish a personal financial guide, which will advantageously position them toward attaining financial security.

  • Protect against unexpected losses
  • Increase long-term wealth
  • Earn additional income