Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Auto World Insurance Services ("Company," "we," "us," or "our"), governing your access to and use of our website located at https://autoworld.abacusai.app and all related services, applications, and content (collectively, the "Services").

You represent and warrant that you are at least 18 years of age, have the legal capacity to enter into this agreement, and are accessing this website from within the United States.

Auto World Insurance Services is a licensed insurance agency providing online auto insurance quote and brokerage services throughout the State of California. Our Services include:

• Online Insurance Quotes: We provide free, no-obligation auto insurance quotes through our website. The entire quote process is conducted online — no in-person visits are required.
• Statewide California Coverage: We serve customers throughout all counties and cities in the State of California.
• Multi-Carrier Access: We work with multiple insurance carriers to find competitive rates for our customers, including coverage for high-risk drivers, DUI/DWI situations, SR-22 requirements, and non-standard auto insurance.
• Policy Assistance: We help customers understand coverage options, answer questions, and assist with policy selection and binding.

Consent to Telephone Calls

By using this website and/or providing your telephone number, you expressly consent and agree to receive telephone calls from:

• Auto World Insurance Services
• Our licensed insurance agents and representatives
• Authorized third-party service providers, partners, and affiliates
• Insurance carriers and their representatives

Such calls may include:

• Calls placed using automatic telephone dialing systems (auto-dialers)
• Calls using prerecorded or artificial voice messages
• Manual calls placed by live agents
• Calls for the purpose of providing insurance quotes, follow-ups, policy information, and related services
• Marketing and promotional communications regarding insurance products and services

Consent to Text Messages (SMS/MMS)

By using this website and/or providing your mobile phone number, you expressly consent to receive text messages (SMS and MMS) from Auto World Insurance Services and its authorized representatives, including:

• Automated text messages sent using an automatic telephone dialing system
• Messages regarding your quote request, policy information, and customer service
• Promotional and marketing messages about insurance products and services

Message and data rates may apply. Message frequency varies. You are not required to provide consent as a condition of purchasing any goods or services.

Consent to Email Communications

By providing your email address, you consent to receive emails from Auto World Insurance Services including:

• Quote information and follow-up communications
• Policy documents, reminders, and updates
• Marketing and promotional content about insurance products
• Newsletters and industry information

Duration of Consent

Your consent to receive communications as described in Section 3 shall remain in effect for as long as permitted by applicable federal and state law, unless and until you revoke your consent as described below. Communications may continue regardless of whether you ultimately purchase an insurance policy from us.

We will process opt-out requests promptly, typically within 10 business days, as required by applicable law. Please note that opting out of marketing communications will not affect transactional communications related to your existing policies or account (if any).

Information We Collect

We collect personal information that you voluntarily provide when using our Services, including but not limited to:

• Contact information (name, email address, phone number, mailing address)
• Demographic information (date of birth, gender)
• Vehicle information (year, make, model, VIN)
• Driving history and records
• Current and prior insurance information
• Device and browser information, IP address, and usage data collected automatically

How We Use Your Information

We use the personal information we collect to:

• Provide insurance quotes and related services
• Contact you regarding your quote request
• Share information with insurance carriers for underwriting purposes
• Improve our Services and customer experience
• Comply with legal obligations
• Send marketing communications (subject to your consent and opt-out rights)

Third-Party Disclosure

We may share your personal information with:

• Insurance carriers and underwriters
• Third-party service providers (CRM systems, dialers, analytics tools)
• Lead management and distribution platforms
• As required by law or legal process

For complete details about our data practices, please refer to our Privacy Policy.

Without limiting the foregoing, the Company disclaims liability for:

• Inaccuracies in quotes or estimates provided
• Decisions made by insurance carriers regarding coverage, rates, or underwriting
• Errors in information provided by you
• Loss or damage resulting from reliance on information provided through the Services
• Any interruption or cessation of the Services

Indemnification

You agree to defend, indemnify, and hold harmless Auto World Insurance Services, its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services, including but not limited to any information you provide through the Services.

All content on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, software, and the compilation thereof (collectively, "Content"), is the property of Auto World Insurance Services or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, or otherwise use any Content on our website without the prior written consent of Auto World Insurance Services, except as follows:

• You may temporarily store copies of materials in RAM incidental to accessing and viewing the Content.
• You may print or download one copy of a reasonable number of pages for your own personal, non-commercial use.

Unauthorized reproduction, scraping, data mining, or reuse of website content is strictly prohibited and may result in civil and criminal penalties.

We do not warrant that:

• The Services will be uninterrupted, timely, secure, or error-free
• The results obtained from use of the Services will be accurate or reliable
• Any errors in the Services will be corrected
• Any particular quote, rate, or coverage will be available to you

Any reliance you place on information provided through the Services is strictly at your own risk.

Governing Law

These Terms and any dispute arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Binding Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration in San Diego County, California. The arbitration shall be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures. Judgment on the arbitration award may be entered in any court having jurisdiction.

Venue and Jurisdiction

For any matters not subject to arbitration, you agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in San Diego County, California.

Auto World Insurance Services reserves the right to modify, amend, or update these Terms of Service at any time and for any reason at our sole discretion. Any changes will be effective immediately upon posting of the revised Terms on this page, with an updated "Last Updated" date.

Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page periodically so you are aware of any changes, as they are binding on you.

If we make material changes to these Terms, we may notify you by email (if provided) or by posting a prominent notice on our website prior to the changes becoming effective.

By using this website, including merely browsing any page, and/or by submitting any form or information through this website, you affirm, acknowledge, and confirm that:

• You have read and understand these Terms of Service in their entirety.
• You voluntarily agree to be bound by these Terms and all consent provisions contained herein.
• You expressly consent to receive telephone calls, text messages, and emails as described in Section 3, including calls and texts made using automated technology.
• Your consent is not required as a condition of purchasing any goods or services.
• You understand that you may opt out of communications at any time as described in Section 4.

If you have any questions about these Terms of Service, please contact us: