Website Terms of Use

Effective Date: March 11, 2026

Welcome to the websites and mobile websites operated by AssuranceAmerica Managing General Agency, LLC (CA DBA AssuranceAmerica Managing General Insurance Agency, LLC – License #0F49773) (“AAMGA”). AAMGA is part of the AssuranceAmerica family of companies, which includes AssuranceAmerica Group, Inc., AssuranceAmerica Corporation, AssuranceAmerica Insurance Company, InsureMax Insurance Company, AssuranceAmerica Commercial Corporation, Catawba Insurance Company, and AssuranceAmerica Commercial Managing General Agency, LLC, together with their respective parent companies, subsidiaries, and affiliated entities (collectively, the “AssuranceAmerica Companies,” “Company,” “we,” “our,” or “us”).

By accessing or using any website or mobile website operated by the AssuranceAmerica Companies (collectively, the “Site”), you agree to be bound by these Terms of Use (“Terms”) and all applicable laws and regulations.

We may update these Terms from time to time. Updated Terms are effective upon posting to the Site, and the “Effective Date” above will reflect the date of the most recent revision. Your continued use of the Site after updates are posted constitutes acceptance of the revised Terms.

Permitted Use

You may access and use the publicly available portions of the Site for lawful, personal, and non-commercial purposes.

You agree not to:

Use the Site for any unlawful purpose.
Attempt to gain unauthorized access to any portion of the Site or related systems.
Interfere with or disrupt the security or functionality of the Site.
Use automated technologies including bots, crawlers, scrapers, artificial intelligence tools, or data mining tools to access or collect Site data without our prior written authorization.
Circumvent rate limits, authentication systems, or security controls.

We reserve the right to suspend or terminate access to the Site if we reasonably believe your use violates these Terms or applicable law.

Insurance and Product Information Disclaimer

The Site provides information about insurance products and services offered by certain AssuranceAmerica Companies. Quotes, coverage descriptions, premium estimates, product summaries, calculators, and other information provided through the Site are for informational purposes only and do not constitute an offer to insure or a binder of coverage. All insurance coverage is subject to underwriting approval and issuance by the applicable insurer.

Insurance coverage is governed exclusively by the terms, conditions, exclusions, limitations, and endorsements of the applicable policy. In the event of any conflict between information on the Site and the policy, the policy controls. Products and services may not be available in all jurisdictions and eligibility requirements may apply.

The content on the Site is provided for general informational purposes only and does not constitute insurance or legal advice. Insurance requirements, coverage options, and regulations vary by state and individual circumstances. Eligibility requirements, terms, exclusions, limits, and restrictions may apply. Coverage availability and eligibility are subject to underwriting guidelines and applicable state laws. For guidance specific to your situation, please consult a licensed insurance agent in your state.

Accounts and Security

Certain portions of the Site may require account registration. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account. Authentication methods may include passwords, one-time codes, multi-factor authentication, device authentication, or third-party identity verification tools. You agree to notify us immediately if you suspect unauthorized access to your account.

Electronic Communications

By using the Site, you consent to receive communications from us electronically, including by email, text message, portal message, or other electronic means, consistent with applicable law.

Digital Monitoring and Tracking Technologies

We and our service providers may use cookies, pixels, web beacons, analytics tools, and session recording, replay, and interaction monitoring technologies to monitor interactions with the Site. These tools may collect information about page views, navigation paths, device characteristics, browser information, and interactions with Site content. We may also record or monitor telephone calls, chats, or other communications for quality assurance, training, fraud prevention, and compliance purposes.

For more information about how we collect and use personal information, please review our Privacy Policy.

Third-Party Services and Links

The Site may contain links to third-party websites or integrate services provided by third parties, including payment processors, identity verification services, analytics providers, customer support tools, or other service providers. We do not control and are not responsible for the content, security, or privacy practices of third-party services.

Intellectual Property

All content available through the Site, including text, graphics, logos, images, software, and design elements, is owned by or licensed to the AssuranceAmerica Companies and is protected by applicable intellectual property laws. Except as expressly permitted by these Terms, you may not reproduce, distribute, modify, or create derivative works from Site content without prior written consent.

Disclaimer of Warranties

The Site and all content are provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, the AssuranceAmerica Companies disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the fullest extent permitted by law, the AssuranceAmerica Companies and their respective parent companies, subsidiaries, affiliated entities, predecessors, successors, assigns, and their respective officers, directors, employees, agents, contractors, and service providers (collectively, the “Company Parties”) shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of the Site or services provided through the Site.

To the fullest extent permitted by applicable law, the total cumulative liability of the Company Parties for all claims arising out of or relating to the Site, services provided by the AssuranceAmerica Companies, or these Terms shall not exceed the greater of 1) the amount paid by you to the Company for the specific product or service giving rise to the claim in the twelve months preceding the event giving rise to the claim; or 2) one hundred U.S. dollars ($100).

Nothing in these Terms limits liability where such limitation is prohibited by law.

Indemnification

You agree to defend, indemnify, and hold harmless the Company Parties from any claims, damages, losses, liabilities, or expenses (including reasonable attorneys’ fees) arising out of or relating to:

Your use of the Site.
Your violation of these Terms.
Your violation of any applicable law.

Dispute Resolution and Arbitration

To the fullest extent permitted by law, you and the AssuranceAmerica Companies agree that any dispute, claim, or controversy arising out of or relating to the Site, the Services, or these Terms shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. Arbitration shall be conducted on an individual basis.

If twenty-five (25) or more similar arbitration demands are filed against the AssuranceAmerica Companies or related parties by the same or coordinated counsel or entities and arise out of the same or substantially similar facts, circumstances, or legal issues, the parties agree that such demands shall be administered in coordinated batches. The arbitration provider may group such demands into batches of up to fifty (50) arbitrations to be resolved in sequential proceedings, with one arbitrator assigned to each batch where appropriate. The resolution of one batch may be used by the parties to facilitate settlement discussions for any remaining claims.

The parties further agree that the arbitration provider may adopt reasonable procedures to efficiently manage such coordinated arbitrations, including adjustments to filing schedules, hearing schedules, and administrative requirements.

Nothing in this provision prevents the parties from engaging in good-faith settlement discussions at any time.

The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration provision.

Class actions, consolidated actions, and representative proceedings are not permitted.

You may opt out of arbitration within thirty (30) days of first accepting these Terms by sending written notice to:

AssuranceAmerica
Attn: Legal Department
100 Galleria Pkwy, Suite 800
Atlanta, GA 30339
legal@aainsco.com

Governing Law

These Terms are governed by the laws of the State of Georgia without regard to conflict of law principles.

Contact Information