Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the website autopolicysupports.com (the "Site") and any advisory or consulting services provided by Auto Policy Supports ("we," "us," or "our"). By accessing the Site or engaging our services, you agree to these Terms. If you do not agree, please do not use the Site or our services.

1. About Our Company

Auto Policy Supports is a private advisory and consulting company located at 333 Morrow Field Ave, Elmira, NY 14904, United States. We are an advisor and consulting company. We are not an insurance company. We are not an insurance company, insurance agency, insurance brokerage, or insurance producer, and we do not sell, solicit, negotiate, underwrite, or bind insurance policies of any kind. We are not licensed to transact the business of insurance, and we are not affiliated with, endorsed by, or sponsored by any insurance company, carrier, or government agency.

2. Nature of Our Services

We provide general guidance, information, education, and administrative support related to auto insurance, including policy reviews, explanations of coverage concepts, comparisons of options, and general claims process guidance. Our services are provided for general informational purposes only. They do not constitute legal, financial, tax, or coverage advice, and they do not create an agency, fiduciary, or attorney client relationship.

Insurance decisions are yours to make. The terms, conditions, exclusions, and limits of your actual policy control in all cases, and you should rely on your policy documents and your licensed insurance provider for binding determinations regarding coverage.

3. No Insurance Transactions

You acknowledge and agree that:

• We do not issue, modify, renew, or cancel insurance policies on your behalf.
• All purchases, changes, payments, and claims must be completed directly with a licensed insurance company, agent, or broker of your choosing.
• We do not receive commissions or compensation from any insurance company based on your policy decisions. Any professional fees we charge are disclosed to you in advance and are separate from any premium you pay to an insurer.

4. Eligibility and Communications

Our services are intended for residents of the United States who are at least 18 years of age. By contacting us, you agree to provide accurate and complete information about your situation. We communicate with clients by telephone and email; please ensure your contact details are correct when you reach out.

5. Fees

Your initial consultation is free of charge. If a request involves an extended review or ongoing support, we will inform you of any applicable fee before work begins, and we will obtain your agreement before proceeding. Fees, if any, are quoted in advance. We do not bill surprise charges.

6. No Warranty of Outcomes

We work diligently to provide accurate, useful guidance, but we make no representation or warranty regarding any specific outcome, including coverage decisions, claim results, premium amounts, savings, or the actions of any insurance company. Guidance provided by Auto Policy Supports is based on the information you provide and on general industry practices, and it may not account for every circumstance applicable to your policy.

7. Intellectual Property

The Site and its original content, features, logo, and design are the property of Auto Policy Supports and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from the Site without our prior written permission.

8. Third Party Links

The Site may contain links to third party websites for convenience. We are not responsible for the content, accuracy, or practices of any third party site, and linking does not imply endorsement. Access third party websites at your own risk and review their terms and privacy policies.

9. Limitation of Liability

To the maximum extent permitted by law, Auto Policy Supports and its consultants shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or our services. Our total aggregate liability for any claim arising from or relating to our services shall not exceed the amount of fees, if any, that you paid to us for the service giving rise to the claim.

10. Confidentiality

We treat the personal and policy information you share with us as confidential and use it only to respond to your inquiry and provide our services, as described in our Privacy Policy.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York, United States, without regard to conflict of law principles. Any dispute arising from these Terms or our services shall be brought exclusively in the state or federal courts located in New York.

12. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site or our services after changes are posted constitutes acceptance of the updated Terms.

13. Contact Us

If you have questions about these Terms, you can reach us at:

• Phone: (888) 241 9259 (Mon to Sat, 9 AM to 6 PM EST)
• Email: info@autopolicysupports.com
• Address: 333 Morrow Field Ave, Elmira, NY 14904

This document is provided for general information and does not constitute legal advice.