Terms of Use

Effective Date: September 17, 2025

Welcome to the website of All Capital Insurance (“All Capital,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of our website, online forms, and related services. By using our website, you agree to these Terms. If you do not agree, please do not use our site.

Who We Are

All Capital Insurance is a commercial trucking insurance agency headquartered in Vancouver, Washington. We provide insurance solutions to trucking companies, fleet managers, and independent operators nationwide. Our website is a tool to share information, collect quote requests, and connect you with licensed agents and trusted partners.

Eligibility and Acceptable Use

• Minimum Age: You must be at least 18 years old to use our services.
• Accurate Information: You agree to provide true, current, and complete information when submitting forms.
• Lawful Use: You may not use our website in violation of applicable laws, including insurance, privacy, consumer protection, or telemarketing laws.
• Prohibited Actions: You may not attempt to hack, disrupt, overload, or interfere with the functionality of our website or systems.

If you misuse the site, we may suspend or terminate your access.

Quotes and Coverage

• Quotes provided on our site are estimates only and do not guarantee coverage or pricing.
• Final eligibility, premium amounts, and policy terms are determined by underwriting and state/federal insurance regulations.
• Insurance coverage begins only once a policy is issued and confirmed in writing.
• Nothing on this website constitutes legal, tax, or financial advice.

Communications and Consent

By submitting your contact information, you agree that:

• We may contact you by email, phone, or text message regarding quotes, applications, or services.
• Our communications may include automated messages. Standard carrier charges may apply.
• Our approved partners may also contact you when relevant to the services you request.
• We comply with the Telephone Consumer Protection Act (TCPA). You may withdraw consent for texts or calls at any time by following opt-out instructions.

Failure to provide accurate consent or using someone else’s contact details without authorization may subject you to liability.

Third-Party Services and Vendors

We rely on secure third-party tools (such as CRMs, email/text providers, and data storage services) to deliver services. While we carefully select reputable providers, we are not responsible for outages, breaches, or errors caused by third parties. By using our website, you acknowledge and agree that your information may be stored or processed through these systems.

Privacy and Data Handling

Your use of our site is also governed by our [Privacy Policy]. By using our services, you consent to:

• Collection and storage of your information for business purposes.
• Processing and storage in third-party systems.
• Use of your information for communication and service delivery.

We do not sell your personal information. You may request access, correction, or deletion of your information by contacting info@allcapitalins.com.

Intellectual Property

All content on this site—including logos, text, graphics, icons, and design elements—is owned by All Capital Insurance or our licensors. You may not reproduce, distribute, or create derivative works without our written consent, except for personal or internal business use directly related to our services.

Disclaimers

• Our website is provided “as is” and without warranties of any kind.
• We do not warrant that the site will be uninterrupted, error-free, or free of harmful code.
• Information provided on the site is for general informational purposes only and should not be relied on as legal, financial, or insurance advice.
• You are responsible for verifying information before making decisions based on it.

Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for indirect, incidental, special, or consequential damages, including loss of profits, data, or goodwill.
• Our total liability for any claim related to your use of the website or services will not exceed $100 or the amount you paid us for the specific service, whichever is greater.
• These limitations apply regardless of the theory of liability (contract, tort, negligence, etc.).

Some states do not allow certain limitations, so parts of this section may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless All Capital Insurance, our employees, officers, agents, and partners from any claims, damages, liabilities, or expenses (including reasonable legal fees) arising from:

• Your use or misuse of the website.
• Your violation of these Terms.
• Your violation of applicable laws or third-party rights.

Regulatory Compliance

Insurance is a regulated industry. By using our site, you agree that:

• You will not interpret our site content as a guarantee of coverage or a binding offer of insurance.
• We will provide insurance services only through licensed agents in compliance with state and federal law.
• Any marketing or promotional materials are subject to regulatory limitations, and coverage is always subject to underwriting approval.

Service Area and Governing Law

• We provide services nationwide across the United States.
• These Terms are governed by U.S. federal law and the laws of the State of Washington.
• Any disputes shall be resolved exclusively in the courts of Clark County, Washington, unless otherwise required by law.

Changes to These Terms

We may update these Terms to reflect changes in our services or legal obligations. When changes occur, we will post the revised Terms with a new “Effective Date.” By continuing to use the website, you accept the updated Terms.

Contact Us

For questions about these Terms, contact us at:

All Capital Insurance
222 NE Park Plaza Dr #112
Vancouver, WA 98684
Email: info@allcapitalins.com

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