Terms of Service

Effective Date: January 1, 2025

Welcome to Ally Insurance Network ("AIN", "we", "us", or "our"). These Terms of Service ("Terms") govern your access to and use of our website, services, and communications. By using our website or services, you agree to be bound by these Terms and our Privacy Policy.

1. Acceptance of Terms

By accessing or using our website, submitting a quote request, or engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

2. Our Services

Ally Insurance Network is an independent insurance agency licensed in all 50 states. We provide insurance brokerage services, including:

• Comparing insurance plans from multiple carriers
• Providing personalized insurance quotes and recommendations
• Assisting with insurance enrollment and application processes
• Offering ongoing customer support and policy management

We are not an insurance company. We act as an intermediary between you and insurance carriers. We are not affiliated with or endorsed by any government agency, including Medicare or the Centers for Medicare & Medicaid Services.

3. Eligibility and Licensing

Our services are available to residents of all 50 United States. You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

Ally Insurance Network and our agents are licensed insurance producers in all states where we conduct business, in compliance with applicable state insurance regulations.

4. Accurate Information

You agree to provide accurate, current, and complete information when requesting quotes or enrolling in insurance coverage. Providing false or misleading information may result in:

• Inaccurate quotes or recommendations
• Denial of coverage by insurance carriers
• Cancellation of your policy
• Legal consequences under insurance fraud laws

You are responsible for updating your information if it changes and for reviewing all policy documents carefully before enrollment.

5. Communications and Consent

TCPA Consent for Calls and Text Messages

By providing your telephone number and checking the SMS consent box on our forms, you expressly consent to receive recurring automated and/or pre-recorded marketing, informational, and transactional telephone calls and text messages from Ally Insurance Networkand our authorized insurance partners at the mobile or landline number you provided.

You understand and agree that:

• Consent is not required as a condition of purchasing any goods or services
• Message frequency varies based on your inquiry and interaction with our services
• Standard message and data rates may apply from your wireless carrier
• We may use an automatic telephone dialing system or artificial/prerecorded voice
• Carriers are not liable for delayed or undelivered messages

Opt-Out Rights

You may revoke your consent to receive calls or text messages at any time by:

• Replying STOP to any text message
• Calling us at (561) 769-0599
• Emailing us at

For text message help, reply HELP or contact us using the information above. We will honor your opt-out request within 10 business days.

Email Communications

By providing your email address, you consent to receive emails from us regarding your insurance inquiry, quotes, policy information, and marketing communications. You may unsubscribe from marketing emails at any time using the unsubscribe link in any email.

6. No Guarantee of Coverage

Quotes and plan information provided by Ally Insurance Network are for informational purposes only and do not guarantee coverage or acceptance by any insurance carrier. Final coverage decisions are made by insurance carriers based on their underwriting criteria.

We make reasonable efforts to provide accurate information, but quotes, premiums, coverage details, and plan availability are subject to change and carrier approval.

7. Compensation and Conflicts of Interest

Ally Insurance Network may receive commissions, fees, or other compensation from insurance carriers when you enroll in a policy through our services. The amount of compensation may vary by carrier and product. This compensation does not affect the premium you pay.

While we strive to provide objective recommendations, our compensation structure may create potential conflicts of interest. We are committed to recommending coverage that meets your needs regardless of our compensation.

8. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our privacy practices as described in the Privacy Policy.

We may share your information with insurance carriers, partners, and service providers as necessary to provide our services. All third parties are required to maintain appropriate data security and privacy protections.

9. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Ally Insurance Network or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, or display our content without written permission
• Use our trademarks, service marks, or branding without authorization
• Modify, reverse engineer, or create derivative works from our website or services
• Use automated systems to scrape or data mine our website

10. Prohibited Conduct

You agree not to:

• Provide false, inaccurate, or misleading information
• Impersonate another person or entity
• Engage in fraudulent activity or insurance fraud
• Violate any applicable laws, regulations, or third-party rights
• Transmit viruses, malware, or other harmful code
• Interfere with or disrupt our website or services
• Access or attempt to access systems or data without authorization
• Use our services for any illegal or unauthorized purpose

11. Third-Party Links and Services

Our website may contain links to third-party websites, including insurance carrier sites. We are not responsible for the content, privacy practices, or terms of service of third-party sites. Your use of third-party services is at your own risk.

12. Disclaimers and Limitations of Liability

No Warranty

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that our services will be uninterrupted, error-free, or secure, or that any information provided will be accurate, complete, or current.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALLY INSURANCE NETWORK AND OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT OF FEES PAID BY YOU TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

13. Indemnification

You agree to indemnify, defend, and hold harmless Ally Insurance Network and our affiliates, officers, directors, employees, agents, and partners from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Any information you provide to us

14. Dispute Resolution and Arbitration

Informal Resolution

Before filing a claim, you agree to contact us at to attempt to resolve the dispute informally. We will work in good faith to resolve any disputes.

Arbitration Agreement

Any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved by binding arbitration in accordance with the American Arbitration Association (AAA) rules, rather than in court, except where prohibited by law.

The arbitration shall be conducted in the state where you reside or another mutually agreed upon location. The arbitrator's decision shall be final and binding.

Class Action Waiver

YOU AGREE TO BRING CLAIMS ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE PROCEEDING.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any disputes not subject to arbitration shall be brought in the state or federal courts located in Florida.

16. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new effective date. Your continued use of our services after changes become effective constitutes acceptance of the modified Terms.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ally Insurance Network regarding your use of our services and supersede all prior agreements and understandings.

19. Contact Information

If you have questions about these Terms of Service, please contact us: