Terms of Service
Effective Date: These Terms of Service are effective as of the date you access our website or use our services.
These Terms of Service ("Terms") govern your use of the Auto Insurance Assistance website and services. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use our website or services.
1. Description of Service
Auto Insurance Assistance operates as a referral service that connects consumers seeking auto insurance with licensed insurance providers and partner companies.
We are not an insurance company, insurance agency, or licensed insurance agent. We do not sell insurance, provide insurance quotes, or make coverage recommendations. Our service is limited to facilitating connections between consumers and insurance providers.
2. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Have the legal capacity to enter into binding contracts
- Be a resident of the United States
- Provide accurate and truthful information
By using our services, you represent and warrant that you meet these eligibility requirements.
3. Use of Our Website and Services
You agree to use our website and services only for lawful purposes and in accordance with these Terms. You agree not to:
- Provide false, inaccurate, or misleading information
- Impersonate any person or entity
- Use automated systems or software to access the website without our permission
- Attempt to gain unauthorized access to our systems or networks
- Interfere with or disrupt the operation of our website or services
- Violate any applicable laws or regulations
- Collect information about other users without their consent
- Use our services in any manner that could damage, disable, or impair our operations
4. Information You Provide
When you use our services, you will be asked to provide personal information. You agree that:
- All information you provide will be accurate, current, and complete
- You will update information as necessary to maintain its accuracy
- You authorize us to verify the information you provide
- You understand that providing false information may result in termination of service
You are responsible for maintaining the confidentiality of any information you provide and for all activities that occur using your information.
5. Consent to Contact and Information Sharing
By using our services, you expressly consent to:
- Be contacted by Auto Insurance Assistance and by insurance providers in our network
- Receive communications via telephone (including mobile phone), text message, email, and other electronic means
- Contact even if your number is on a Do Not Call registry
- The use of automated dialing systems, prerecorded messages, or artificial voice
- The sharing of your personal information with insurance providers and partners as described in our Privacy Policy and Call & Partner Disclosure
- The recording and monitoring of telephone calls for quality assurance, training, and compliance purposes
This consent remains in effect until you revoke it by contacting us in writing at autoinsuranceassistance@outlook.com.
6. No Guarantee of Results
Auto Insurance Assistance makes no guarantees regarding:
- Insurance coverage approval or qualification
- Specific insurance rates, premiums, or pricing
- Savings or cost reductions
- Availability of specific coverage types or insurance products
- The quality, actions, or reliability of insurance providers in our network
- The outcome of any insurance application or transaction
Insurance coverage, rates, and terms are determined solely by insurance providers and insurance companies based on their underwriting guidelines and applicable regulations.
7. Relationship with Insurance Providers
Insurance providers in our network are independent businesses. Auto Insurance Assistance:
- Does not employ insurance agents or brokers
- Does not control the operations or business practices of insurance providers
- Is not responsible for the acts, omissions, or conduct of insurance providers
- Makes no representations or warranties about insurance providers
- Is not a party to any agreement between you and an insurance provider
Any relationship you establish with an insurance provider is between you and that provider directly. We are not responsible for provider conduct, quote accuracy, policy terms, claim handling, or any disputes that may arise.
8. Disclaimers
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that:
- Our website or services will be uninterrupted, secure, or error-free
- The results obtained from using our services will be accurate or reliable
- Any errors in our website or services will be corrected
- Our website, servers, or communications are free of viruses or other harmful components
Your use of our website and services is at your own risk.
9. Limitation of Liability
To the fullest extent permitted by law, Auto Insurance Assistance and its owners, employees, agents, and partners 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, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use our website or services
- Any conduct or content of any third party, including insurance providers
- Unauthorized access to or alteration of your information
- Any other matter relating to our website or services
In no event shall our total liability to you for all claims exceed one hundred dollars ($100).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, liability will be limited to the maximum extent permitted by law.
10. Indemnification
You agree to indemnify, defend, and hold harmless Auto Insurance Assistance and its owners, employees, agents, and partners from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:
- Your use of our website or services
- Your violation of these Terms
- Your violation of any rights of another party
- Any information you provide through our services
11. Third-Party Services and Websites
Our website may contain links to third-party websites or services that are not owned or controlled by Auto Insurance Assistance. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party websites or services.
12. Intellectual Property
The content on our website, including text, graphics, logos, and images, is the property of Auto Insurance Assistance or its content suppliers and is protected by intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use our content without our prior written permission.
13. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective when posted on our website with an updated effective date. Your continued use of our website or services after changes are posted constitutes acceptance of the modified Terms.
We encourage you to review these Terms periodically to stay informed of any updates.
14. Modifications to Services
We reserve the right to modify, suspend, or discontinue our website or services (or any part thereof) at any time, with or without notice, and without liability to you.
15. Termination
We may terminate or suspend your access to our website or services immediately, without prior notice or liability, for any reason, including if you breach these Terms.
Upon termination, your right to use our services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including disclaimers, limitations of liability, and indemnification provisions.
16. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Auto Insurance Assistance is located, without regard to conflict of law principles.
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in court to prevent the actual or threatened infringement of intellectual property rights.
You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as a class action or consolidated proceeding.
17. Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be replaced with a valid and enforceable provision that most closely matches the intent of the original provision.
18. Waiver
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Auto Insurance Assistance.
19. Entire Agreement
These Terms, together with our Privacy Policy and Call & Partner Disclosure, constitute the entire agreement between you and Auto Insurance Assistance regarding the use of our website and services, and supersede any prior agreements or understandings.
20. Contact Information
If you have questions about these Terms, please contact us:
Email: autoinsuranceassistance@outlook.com
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.