Terms of Service for Ace Insurance and Retirement

Last Updated: June 25, 2025

1. Introduction

Welcome to Ace Insurance and Retirement ("Ace Insurance," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, services, and communications (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.

2. Use of Our Services

Our Services are provided to assist you with your insurance and retirement needs, including but not limited to, obtaining quotes, managing policies, and receiving information about our products. You agree to use our Services only for lawful purposes and in accordance with these Terms. You must be at least 18 years old to use our Services.

3. SMS/Text Message Communications

By providing your mobile phone number and opting into our SMS communications, you consent to receive text messages from Ace Insurance and Retirement. These messages may include marketing alerts, promotional offers, appointment reminders, and other information related to our services.

• Consent: Your consent to receive marketing text messages is not a condition of any purchase.

• Opt-Out: You may opt-out of receiving SMS messages at any time by replying with the word STOP. Upon receipt of your "STOP" message, we will send you a one-time confirmation text to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

• Rates: Message and data rates may apply. Message frequency may vary.

• Support: For help or information regarding our text messaging services, contact our customer support.

4. User Conduct and Responsibilities

You agree not to use the Services to:

• Provide any false, inaccurate, or misleading information.

• Engage in any fraudulent activities.

• Infringe upon the intellectual property rights of others.

• Transmit any viruses, worms, or other malicious software.

• Interfere with or disrupt the integrity or performance of the Services.

5. Intellectual Property

All content included in or made available through our Services, such as text, graphics, logos, images, and software, is the property of Ace Insurance and Retirement or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

6. Disclaimers and Limitation of Liability

Our Services are provided on an "as is" and "as available" basis. Ace Insurance and Retirement makes no representations or warranties of any kind, express or implied, as to the operation of the Services or the information, content, or materials included therein.

To the fullest extent permissible by law, Ace Insurance and Retirement disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

Ace Insurance and Retirement will not be liable for any damages of any kind arising from the use of our Services, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages. Insurance coverage is not bound, changed, or confirmed by submitting a form or receiving a response via our digital services. All policy-related activities must be confirmed by a licensed agent.

7. Indemnification

You agree to indemnify, defend, and hold harmless Ace Insurance and Retirement, its officers, directors, employees, agents, and licensors from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms or any activity related to your use of the Services.

8. Governing Law

These Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law principles.

9. Changes to These Terms

We reserve the right to modify these Terms at any time. We will post the most current version of these Terms on our website with the "Last Updated" date. Your continued use of the Services after any changes constitutes your acceptance of the new Terms.

10. Contact Us

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

Ace Insurance and Retirement

3301 184th St SW

Lynnwood, WA 98037

cs@aceinsus.com

888.688.4041