TERMS OF SERVICE

Effective Date: April 10, 2026

Welcome to the AAIS website (“Website,” “we,” “our,” or “us”). By accessing or using this Website, submitting any form, requesting a quote, or communicating with us through SMS, email, or phone, you agree to comply with these Terms of Service.

If you do not agree with these Terms, please do not use our Website.

1) Use of the Website

By using this Website, you confirm that:

You are at least 18 years old
You have the legal capacity to enter into a binding agreement
Any information you submit is accurate and complete
You will use this Website only for lawful purposes

You agree not to:

Provide false or misleading information
Attempt unauthorized access to the Website
Use the Website in any way that may damage its performance
Upload harmful code, malware, or viruses
Use any automated systems to scrape or copy content
Collect personal data from other users without permission

2) Mortgage, Insurance, and Financial Information Disclaimer

The information provided on this Website is for general informational purposes only and should not be considered financial, legal, insurance, mortgage, or lending advice.

Submitting a form, requesting a quote, or speaking with our representatives does not guarantee approval, coverage, or funding.

All services remain subject to:

Eligibility review
Underwriting approval
Verification of submitted information
Applicable federal and state laws
Carrier, lender, or partner requirements

Rates, fees, coverage options, and terms may change without notice.

3) Third-Party Services

Our Website may include links to third-party lenders, insurance carriers, CRM systems, quote platforms, or service providers.

AAIS is not responsible for:

Third-party website content
Third-party privacy practices
Service interruptions
Decisions made by outside providers
Products or services offered by affiliates or partners

Your use of third-party services is at your own risk.

4) Intellectual Property

All Website content including:

Text
Logos
Graphics
Forms
Branding
Images
Website design
Videos
Downloadable resources

is owned by AAIS and protected by copyright, trademark, and intellectual property laws.

No content may be copied, reproduced, or redistributed without written permission.

5) SMS Terms and Conditions

SMS for Consent Communication
We will not share your phone number with any third parties for marketing purposes.

Types of SMS Communications
If you opt in to receive messages from Ace Alliance Insurance Services, you may receive texts about conversational purposes. Standard message rates may apply.

Message Frequency
You may receive approximately 100 SMS messages per month.

Carrier Charges
Message and data rates may apply based on your mobile carrier and location.

Opt-In Methods
You can opt in via the following methods: We get consent verbally by asking, "Do you agree to receive conversations (external) text messages from Ace Alliance Insurance Services. Reply STOP to opt-out; Reply HELP for support; Message & data rates may apply; Messaging frequency may vary. Visit https://www.aainsuranceservices.net/privacy-policy to see our privacy policy and https://www.aainsuranceservices.net/terms-of-service for our Terms of Service."

Opt-Out Instructions
You may opt out at any time by replying STOP to any message. To resume receiving texts, reply START.

Help
If you need assistance, reply HELP or contact us at [support link].

Disclosures:
Message frequency may vary.
Message and data rates may apply.
Reply STOP to cancel.
Reply HELP for assistance.
Visit our website to review our [Privacy Policy] and [Terms of Service].

6) Privacy

Your use of this Website is also governed by our Privacy Policy.

By using this Website, you consent to the collection and use of your information as outlined in our Privacy Policy.

7) Limitation of Liability

AAIS and its employees, affiliates, contractors, and partners shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:

Your use of this Website
Reliance on Website information
Delays in communication
Technical issues
Third-party platform failures
Service denials from lenders or insurance carriers

8) Changes to These Terms

We reserve the right to modify these Terms at any time without prior notice.

Updates become effective immediately upon posting to this page.

Your continued use of the Website means you accept the revised Terms.

9) Contact Information

If you have questions about these Terms of Service, please contact AAIS through our Contact Us page.