Terms of Use — All Cars Insurance Inc. DBA AC Insurance

Effective Date: January 28, 2026

These Terms of Use (“Terms”) govern your access to and use of the services provided by All Cars Insurance Inc. DBA AC Insurance (“we,” “our,” or “us”), including our website, digital forms, customer portals, and SMS messaging programs. By accessing or using our services, you agree to these Terms.

1. Use of Our Services

You may use our website and communication channels if you are an adult over the age of 18 and only for lawful purposes related to obtaining insurance information, requesting quotes, managing policies, or communicating with our agency.

You agree not to:

Use our services for fraudulent or misleading activity
Attempt to gain unauthorized access to our systems
Interfere with the operation or security of our website or messaging systems

2. SMS Messaging Program

If you opt in to receive text messages from us, you agree to the following:

Message Types

We may send:

Policy reminders and renewal notices
Claim updates
Appointment confirmations
Account alerts and verification codes
Customer service messages
Non‑promotional insurance information

Message frequency varies.

Message and data rates may apply.

Carriers are not responsible for messages.

Opt‑In

You may opt in through our website, quote forms, in‑office documents, or by texting a keyword to our designated number.

Opt‑Out

You may opt out at any time by replying STOP.

Reply HELP for assistance.

SMS consent is not shared with third parties.

3. No Professional Advice Guarantee

Information provided through our website, emails, or SMS messages is for general informational purposes. It does not replace policy documents, endorsements, or official communications from insurance carriers. Coverage decisions are based on the terms of your issued policy.

4. Intellectual Property

All content on our website—including text, graphics, logos, and digital materials—is owned by or licensed to All Cars Insurance Inc. DBA AC Insurance. You may not copy, distribute, or modify any content without written permission.

5. Third‑Party Links

Our website may contain links to third‑party websites. We are not responsible for the content, accuracy, or privacy practices of those sites.

6. Disclaimer of Warranties

Our services are provided on an “as‑is” and “as‑available” basis. We do not guarantee uninterrupted access, error‑free operation, or the accuracy of website content. Insurance coverage is subject to the terms and conditions of the actual policy issued.

7. Limitation of Liability

To the fullest extent permitted by law, All Cars Insurance Inc. DBA AC Insurance is not liable for:

Damages resulting from your use of our website or messaging services
Errors, delays, or interruptions in SMS delivery
Actions taken based on general information provided through our services

8. Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information, including SMS data.

9. Changes to These Terms

We may update these Terms periodically. Updates will be posted with a revised effective date. Continued use of our services constitutes acceptance of the updated Terms.

10. Contact Us

For questions about these Terms or our services, contact:

All Cars Insurance Inc. DBA AC Insurance

1274 North Military Trail
West Palm Beach, FL 33409

561-684-2886

flazzara@myacis.com