Terms & Conditions

Last Updated: January 13, 2026

These Terms and Conditions govern your use of AV Insurance Agency's website and services. By accessing or using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, you should not use our services.

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use this website.

Use of Services

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the services in any way that violates applicable federal, state, local, or international law
• Transmit any material that is defamatory, offensive, or otherwise objectionable
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the services or servers connected to the services
• Use automated systems to access the services without our written permission

Insurance Quotes and Applications

When you request an insurance quote or submit an application through our website:

• The information you provide must be accurate and complete
• Quotes are estimates based on the information provided and are not binding
• Final policy terms and rates are subject to underwriting approval
• You authorize us to share your information with insurance carriers for quote purposes
• Submitting an application does not guarantee policy approval or coverage

Account Registration

If you create an account on our website, you are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Providing accurate and current information

Intellectual Property Rights

The content on this website, including text, graphics, logos, images, and software, is the property of AV Insurance Agency and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our express written permission.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the services will be uninterrupted or error-free
• Warranties regarding the accuracy or reliability of information

Limitation of Liability

To the fullest extent permitted by law, AV Insurance Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Interruption of business operations
• Personal injury or property damage

Third-Party Links

Our website may contain links to third-party websites. We do not endorse or assume responsibility for the content, privacy policies, or practices of third-party websites. You access such websites at your own risk.

Insurance Coverage

Please note that:

• Insurance coverage is subject to policy terms, conditions, and exclusions
• We act as an insurance agent or broker, not as an insurance carrier
• Claims are handled by the insurance carrier, not by AV Insurance Agency
• Policy documents from the carrier contain the full terms of coverage

Communication Consent

By using our services, you consent to receive communications from us via email, phone, SMS, or other electronic means regarding:

• Your insurance quotes and applications
• Policy information and updates
• Marketing and promotional offers
• Service announcements

You may opt out of marketing communications at any time by following the unsubscribe instructions in our messages.

Privacy

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on this website. Your continued use of our services after changes are posted constitutes your acceptance of the modified terms.

Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice, for any reason, including but not limited to breach of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Contact Information

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

• Email: [email protected]
• Phone: +1 (470) 200-1786
• Address: 160 Clairemont Avenue, Decatur, GA 30030