Terms

Terms of Use

These Terms of Use govern your access to and use of the website of Able Auto Cycle Insurance, Inc. d/b/a Able Insurance (“Able Insurance,” “we,” “our,” or “us”). By accessing or using this website, you agree to be bound by these Terms of Use and all applicable laws and regulations and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

The materials contained on this website are protected by applicable copyright, trademark, and other intellectual property laws.

Website Purpose and Geographic Scope

Our website is provided for general informational purposes and to allow prospective and current customers to request insurance quotes, learn about insurance products, and communicate with our agency. Able Insurance is an independent insurance agency and does not guarantee that any quote request will result in coverage, pricing, or acceptance by any insurer.

Able Insurance only writes and services insurance coverage in North Carolina and South Carolina. Information on this website is intended for persons and risks located in those states unless otherwise expressly stated.

No Binding of Coverage

The content on this website is provided for general informational purposes only and is not an offer to sell insurance. Submitting a quote request, contact form, email, text message, voicemail, or other communication through this website does not bind coverage, create or change a policy, or guarantee acceptance, pricing, or eligibility for any insurance product. No insurance coverage is effective unless and until it is confirmed directly by Able Insurance and the applicable insurance carrier and any required premium is paid.

User Information and Communications Consent

You agree to provide accurate, current, and complete information when requesting a quote or contacting us through the website. You are responsible for any activity conducted using information you submit.

By submitting your contact information, you consent to receive communications from us regarding quotes, products, services, account matters, and related business topics by phone, text message, email, and mail, subject to applicable law. Message and data rates may apply to text messages. Consent to receive marketing texts is not a condition of obtaining a quote or purchasing insurance. You may opt out of certain marketing communications as permitted by law.

Intellectual Property and Limited License

All content on this website, including text, graphics, logos, images, design, layout, and other materials, is owned by Able Insurance or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws.

Able Insurance grants you a limited, revocable, non-exclusive, non-transferable license to temporarily download one copy of the materials (information or software) on this website for personal, non-commercial, transitory viewing only. This is the grant of a license, not a transfer of title.

Under this license, you may not:

Modify or copy the materials.

Use the materials for any commercial purpose or for any public display (commercial or non-commercial).

Attempt to decompile or reverse engineer any software contained on this website.

Remove any copyright or other proprietary notations from the materials.

Transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Able Insurance at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format, to the extent required by law.

Permitted and Prohibited Use

You may use this website only for lawful purposes related to learning about our services or requesting insurance assistance. You may not use the website in any way that could damage, disable, overburden, or impair the website, interfere with any other party’s use of the website, or attempt to gain unauthorized access to any portion of the website or related systems.

Disclaimer of Warranties

The materials on this website are provided “as is” and “as available.” Able Insurance makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, title, non-infringement of intellectual property, or other violation of rights.

Further, Able Insurance does not warrant or make any representations concerning the accuracy, completeness, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site. We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

Limitations of Liability

In no event shall Able Insurance or its owners, officers, employees, agents, affiliates, suppliers, or service providers be liable for any damages (including, without limitation, damages for loss of data or profit, loss of business, loss of goodwill, or due to business interruption) arising out of or relating to the use or inability to use the materials on this website, even if Able Insurance or an authorized representative has been notified orally or in writing of the possibility of such damage.

Because some jurisdictions do not allow limitations on implied warranties or limitations of liability for consequential or incidental damages, these limitations may not apply to you. To the extent that liability cannot be excluded under applicable law, Able Insurance’s liability will be limited to the maximum extent permitted by law.

Accuracy; Revisions and Errata

The materials appearing on this website could include technical, typographical, or photographic errors. Able Insurance does not warrant that any of the materials on its website are accurate, complete, or current at all times. Able Insurance may make changes to the materials contained on its website at any time without notice. Able Insurance does not, however, make any commitment to update the materials unless required by law.

Third-Party Links

Able Insurance has not reviewed all of the sites linked to its website and is not responsible for the contents, availability, accuracy, or practices of any such linked site. The inclusion of any link does not imply endorsement by Able Insurance of the site. Use of any such linked website is at the user’s own risk, and you should review the terms and privacy policies of any third-party sites you visit.

Privacy

Your use of this website is also subject to our Privacy Policy, which describes how we collect, use, and share information. By using the website, you consent to the collection and use of information as described in the Privacy Policy.

Site Terms of Use Modifications

Able Insurance may revise these Terms of Use for its website at any time without prior notice. By using this website, you are agreeing to be bound by the then-current version of these Terms of Use. You should review these terms periodically for any updates or changes.

Governing Law

Any claim relating to this website or these Terms of Use shall be governed by the laws of the State of North Carolina, without regard to its conflict of law provisions, except to the extent superseded by applicable federal law. General terms and conditions are applicable to the use of a website.