Terms & Conditions
Welcome to Alex AI Insurtech
These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to be bound by these terms. Please read them carefully.
By using our website, you agree to comply with all applicable laws and regulations. If you do not agree with any part of these terms, please do not use our website.
1. Introduction
These Terms of Service ("Agreement") govern your access to and use of the website and services offered by Alex AI Insurtech, LLC ("Alex AI," "we," "us," or "our"). By using our website or services (collectively, the "Services"), you agree to be bound by this Agreement and our Privacy Policy.
This Agreement complies with applicable laws, including the Arizona Revised Statutes (ARS), such as ARS § 44-7001 to § 44-7043, and the Electronic Signatures in Global and National Commerce Act (E-SIGN Act).
2. Privacy
Your use of the Services is also governed by our Privacy Policy, which discusses the collection, use, and sharing of your personal data. It is incorporated into this Agreement by reference.
Read Privacy Policy3. Representations about customer
If you provide incomplete or incorrect information it may affect the value of the website to you. You state to us that:
Capacity
You have the capacity, power and are sufficient legal age to enter into this agreement.
Identity
You agree to not pretend that you are, or that you represent, someone else, or impersonate any other person or entity.
Accuracy
The information that you provide to us will be true, accurate, supportable and complete.
Age Restriction
You are at least 13 years old. We do not knowingly collect personal data from minors under 13.
If you are between the ages of 13 and 17, you must go over this Agreement with your parent or guardian to ensure both you and they fully understand it, and that they consent to it on your behalf.
4. User acknowledgements
Unless you are an insurance broker, agent, or another type of insurance professional ("Service Provider"), or you purchase a specific service through the Site, Alex AI does not charge you any fees for using the Website.
However, Service Providers may pay Alex AI fees for services and to be connected with users of the Website. Alex AI is not involved in, nor responsible for, any fee agreements you may establish with a Service Provider. By using the Website, you acknowledge and accept this compensation arrangement.
5. Intellectual Property
The content on this Website is owned by us and is legally protected, including by U.S. copyright law, trademark law, and relevant international agreements. We retain all rights to the Website.
- Feedback: If you provide comments or suggestions, we are free to use that Feedback without restriction or compensation.
- Personal Use: You are allowed to use the information provided only for your personal, non-commercial purposes.
- No Mirroring: You may not "mirror" any content from this Website without our explicit prior written consent.
6. Restrictions on use
You are prohibited from engaging in the following activities:
You may not rent, lease, lend, sell, redistribute, reproduce, or sublicense the Website.
You may not copy, decompile, disassemble, attempt to uncover source code, modify, or create derivative works.
You may not exploit or interfere with the Website, including trespassing or overloading network infrastructure.
7. Limitations on availability
The website is operated and managed by Alex AI from within the U.S. Some parts of the website may not be available in all languages or in every country. We do not guarantee that the website is accessible or authorized in any specific location. The use of the website is prohibited where restricted by law.
8. Third party offerings
Alex AI provides a tool to help you get estimates, quotes and certain other information about third party product and service providers.
Alex AI is not responsible for either the availability of these service providers or their offerings. We do not make any guarantees regarding the quotes, fees, terms, rates, coverage, or services provided by service providers. Alex AI does not verify or assess the licensing, certification, or other qualifications of service providers.
We always recommend consulting with financial advisors, insurance agents, brokers, or other qualified professionals who understand your specific circumstances before making any insurance decisions.
9. Communications & Consent
By providing your email address, phone number, or both on Alex AI web, you give us and our partnered insurance providers permission to contact you via phone, email, or text about:
Consent Details: Alex AI and its affiliated insurance providers may reach out to you at any phone number(s), including mobile, that you provide. By giving your consent, you allow us to use prerecorded voice messages and automatic dialing system (ATDS) technology. Standard message and data rates may apply. Providing your consent is not a requirement for purchasing.
Withdrawing Consent
| Method | Action Required |
|---|---|
| Follow the "unsubscribe" link in any email you receive from us. | |
| SMS / Text | Text STOP to the Alex AI telephone number(s) used to communicate with you. |
| Number Change | Inform us immediately if you are no longer the owner of a phone number. |
10. Disclaimer of warranty
The Website and its content are provided to you strictly on an "as is" and "as available" basis. Our estimates may not always be accurate.
To the fullest extent permitted by applicable law, we disclaim all conditions, representations, and warranties, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
11. Limit of liability
In no event shall Alex AI be liable to you or any third party for any indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profits, arising from your use of the Website. Alex AI's total liability to you will always be limited to the amount you have paid us for access to the Website.
12-15. General Provisions
12. Modifications
We may modify this Agreement at any time. Material changes will be notified via the Website. Continued use implies acceptance.
13. U.S. Gov Rights
The content is provided with "Restricted Rights." Use by the U.S. Government is subject to restrictions in applicable regulations.
14. Governing Law
This Agreement is governed by the laws of the State of Arizona. Disputes will be resolved exclusively in Maricopa County courts.
15. Miscellaneous
If any provision is invalid, the remainder continues. Claims must be filed within one (1) year. Prevailing party gets fees.
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