Legal
Terms of Service
Effective date: May 10, 2026 · Last updated: May 10, 2026
1. Acceptance and eligibility
These Terms of Service (the "Terms") form a binding agreement between you and [BUSINESS_LEGAL_ENTITY] ("Ask-Tiffany," "we," "us," or "our"). By accessing or using ask-tiffany.com (the "Site") or submitting our quote form (collectively, the "Services"), you agree to these Terms and our Privacy Policy, which is incorporated by reference.
You represent and warrant that:
- You are at least 18 years old and have the legal capacity to enter into a binding agreement.
- You are a resident of the United States, principally Texas.
- All information you submit is true, accurate, and complete to the best of your knowledge.
- You are submitting information about yourself, or about a co-insured for whom you are authorized to act.
If you do not agree, do not use the Services.
2. Description of the Services
Ask-Tiffany is a licensed independent insurance agency. Our agent of record is [TIFFANY_LEGAL_FULL_NAME], Texas resident producer license [TX_LICENSE_NUMBER], NPN [NPN]. The Services consist of an online intake form that we use to collect the information needed to (a) prepare a personal auto insurance quote, (b) submit your application to one or more insurance carriers, and (c) communicate with you about your quote, application, and any resulting policy.
We are an independent agency. We are not an insurance carrier and we do not issue insurance policies. Each carrier underwrites and issues its own policies, sets its own rates, and may decline to offer coverage in its sole discretion.
3. Not a contract of insurance
Submitting the quote form does not bind insurance coverage of any kind. Quotes are estimates only, based on the information you provide and information obtained from third parties, and are subject to underwriting review, verification, and acceptance by the carrier. Coverage takes effect only when (i) a carrier issues a policy, (ii) the policy's stated effective date and time have arrived, and (iii) the required premium has been paid. The terms, conditions, exclusions, and limits of any policy that is issued are governed solely by that policy.
Quotes are valid only for a limited time and may change without notice if any information is inaccurate, incomplete, or changes before binding.
4. Authorizations you grant
By submitting our quote form and (where applicable) confirming the credit-check authorization in the form, you authorize Ask-Tiffany and the insurance carriers, managing general agents, reinsurers, and consumer reporting agencies we work with to obtain and use information about you for legitimate insurance-underwriting and rating purposes, including:
- Consumer reports / credit-based insurance scores from consumer reporting agencies such as LexisNexis Risk Solutions, TransUnion, Equifax, and Experian (permissible purpose under FCRA 15 U.S.C. §1681b(a)(3)(C)).
- Motor vehicle records (MVR) from your state Department of Motor Vehicles.
- Loss-history reports, such as the Comprehensive Loss Underwriting Exchange (CLUE) and A-PLUS.
- Verification of prior insurance coverage and limits from your prior insurance carriers.
- Submission of your application to one or more insurance carriers selected by Ask-Tiffany based on the information you provide.
You may withdraw any of these authorizations at any time by contacting us (see Section 19); however, doing so may prevent us from completing a quote or maintaining a policy on your behalf. Withdrawal is prospective only.
5. Electronic signatures and records
The Services use electronic records and electronic signatures. By typing your full legal name, drawing your signature on the signature pad, and clicking the submit button, you agree:
- To conduct this transaction electronically under the federal Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §§7001 et seq. ("E-Sign Act") and the Texas Uniform Electronic Transactions Act, Tex. Bus. & Com. Code ch. 322.
- That your typed name and drawn signature have the same legal effect as a handwritten signature on paper.
- That an electronic record of these Terms, your application, your signature, and the date and time you signed will be retained by Ask-Tiffany.
System requirements. To use the Services and to access, retain, and print electronic records, you need:
- A current version of a major web browser (such as Chrome, Safari, Firefox, or Edge) with JavaScript and cookies/localStorage enabled.
- A device with sufficient screen size and storage to view and save records.
- The ability to access PDFs.
- A valid email address (and, for mobile signature submission, a touch-enabled device).
Right to withdraw consent and request paper copies. You may withdraw your consent to transact business electronically, and request a paper copy of any electronic record we hold about you, by writing to us at the contact information in Section 19. Withdrawal of consent is prospective only and does not affect the legal effect of records signed before withdrawal. We may charge a reasonable fee for paper copies as permitted by law.
6. Communications consent (calls, texts, email)
By providing your telephone number and submitting the form, you agree that Ask-Tiffany and our agents may contact you at that number — including by autodialer, prerecorded or artificial voice messages, and SMS/text — for purposes related to your quote, application, policy, or service, even if your number is on a federal or state Do Not Call list. Consent to receive autodialed marketing messages is not a condition of obtaining a quote.
Message frequency varies. Standard message and data rates may apply. Reply STOP at any time to opt out of SMS messages, or reply HELP for help. We will honor reasonable opt-out requests promptly.
By providing your email address, you consent to receive transactional and service-related emails from us related to your quote, application, or policy. Our marketing emails (if any) will include a clear unsubscribe mechanism as required by the CAN-SPAM Act.
7. Accuracy of information
You agree to provide information that is true, current, and complete, and to promptly correct any information that becomes inaccurate. Misrepresentations, omissions, or fraudulent statements made in an insurance application may result in:
- A higher premium or denial of coverage.
- Cancellation, rescission, or non-renewal of a policy.
- Denial of a claim.
- Civil or criminal penalties under applicable insurance fraud laws (including Tex. Ins. Code ch. 701 and Tex. Penal Code §35.02).
8. Acceptable use
You agree not to:
- Use the Services in violation of law, regulation, or the rights of others.
- Submit personal information about another individual without their authorization, except for a co-insured for whom you are authorized to act.
- Impersonate another person, agent, broker, or company.
- Scrape, harvest, crawl, or otherwise extract data from the Site by automated means.
- Probe, scan, or test the vulnerability of the Site or attempt to gain unauthorized access.
- Interfere with or disrupt the integrity, security, or performance of the Services.
- Upload malware, viruses, or any harmful code.
- Use the Services to defraud, deceive, or mislead any insurer or third party.
9. Intellectual property
The Site, including its text, graphics, logos, layouts, designs, and underlying code, is owned by Ask-Tiffany or its licensors and is protected by United States and international copyright, trademark, and other intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services solely to request an auto insurance quote for yourself and your household. No other use is authorized. All rights not expressly granted are reserved.
Third-party trademarks (including insurance-carrier names and logos) belong to their respective owners and are used only to identify the carriers we may submit applications to.
10. Third-party services
The Services use third-party providers (such as Google LLC for form storage and document hosting, and our content-delivery network for static assets). The Services may also link to or interact with insurance carrier portals, regulator websites, or other third-party resources. We do not control and are not responsible for the availability, content, products, services, or privacy or security practices of any third party. Your use of any third-party site or service is governed by that party's own terms and privacy notice.
11. Disclaimers
Quotes are estimates only and do not guarantee that any insurance carrier will offer coverage, at any particular price, on any particular terms. Information provided through the Services is for general informational purposes and is not legal, tax, or financial advice. No agency, broker-of-record, fiduciary, or attorney-client relationship is created by your use of the Services. An agent-of-record relationship arises, if at all, only when a policy is bound and you have selected Ask-Tiffany as your agent in writing.
12. Limitation of liability
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you. Nothing in these Terms limits any non-waivable right or remedy you have under applicable law, including the Texas Deceptive Trade Practices-Consumer Protection Act, Tex. Bus. & Com. Code ch. 17 (sections that cannot be waived under §17.42 are not waived).
13. Indemnification
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Ask-Tiffany and its owners, officers, employees, agents, and licensors from and against any claims, demands, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your breach of these Terms; (b) your violation of any law or the rights of any third party; (c) any information you submit through the Services that is false, inaccurate, or fraudulent; or (d) your unauthorized submission of another person's personal information.
14. Governing law and venue
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-laws principles. Subject to Section 15, the exclusive venue for any dispute arising out of or related to these Terms or the Services shall be the state or federal courts located in [COUNTY], Texas, and you consent to the personal jurisdiction of those courts.
Nothing in this Section waives or limits any non-waivable right or remedy you have under the law of your state of residence, including any non-waivable consumer-protection or insurance statute. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
15. Dispute resolution; regulator complaint preserved
Informal resolution first. Before filing any claim or lawsuit, you agree to first contact us at the address in Section 19 with a written description of the dispute and to negotiate in good faith for at least thirty (30) days. Most disputes can be resolved this way.
Right to file an insurance complaint. Nothing in these Terms — including any informal resolution, governing-law, or venue provision — limits your right to file a complaint with the Texas Department of Insurance, the National Association of Insurance Commissioners, or any other governmental authority with jurisdiction over Ask-Tiffany or our licensure. Contact information for TDI is in our Privacy Policy.
No mandatory arbitration; no class-action waiver. We do not require you to arbitrate disputes and we do not require you to waive class-action rights as a condition of using the Services.
16. Severability, waiver, assignment, force majeure, entire agreement
- Severability. If any provision of these Terms is found unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force.
- No waiver. Our failure to enforce any right or provision will not be a waiver of that right or provision.
- Assignment. You may not assign or transfer these Terms or any of your rights or obligations without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of all or part of our business.
- Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control, including natural disasters, internet or utility outages, labor disputes, governmental orders, or carrier system failures.
- Headings. Section headings are for convenience only and do not affect interpretation.
- Entire agreement. These Terms, together with our Privacy Policy and any written agreement we sign with you, constitute the entire agreement between you and us regarding the Services and supersede any prior agreements on that subject.
17. Changes to these Terms
We may update these Terms from time to time. When we make material changes, we will update the "Effective date" at the top of this page and, where appropriate, provide additional notice. Your continued use of the Services after a change takes effect constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, stop using the Services.
18. Termination
We may suspend or terminate your access to the Services at any time, with or without cause and with or without notice, including for any breach of these Terms. Sections that by their nature should survive termination — including Sections 7 (Accuracy), 9 (IP), 11 (Disclaimers), 12 (Limitation of liability), 13 (Indemnification), 14 (Governing law), 15 (Dispute resolution), 16 (Miscellaneous), and 19 (Contact) — will survive.
19. Contact
- Email (legal): legal@ask-tiffany.com
- Email (privacy): privacy@ask-tiffany.com
- Phone: [PHONE_NUMBER]
- Mail (optional): [BUSINESS_MAILING_ADDRESS]
- Agent of record: [TIFFANY_LEGAL_FULL_NAME] — TX license [TX_LICENSE_NUMBER]; NPN [NPN].
法律
服務條款
生效日： 2026 年 5 月 10 日 · 最後更新： 2026 年 5 月 10 日
1. 接受條款與資格
本服務條款（「本條款」）構成您與 [BUSINESS_LEGAL_ENTITY]（「Ask-Tiffany」、 「我們」）間具有拘束力之合約。當您使用 ask-tiffany.com （「本站」）或提交報價表單（合稱「本服務」），即表示您同意本條款及 隱私權政策（並入本條款）。
您聲明並保證：
- 您已年滿 18 歲且具備訂立合約之法律行為能力。
- 您為美國居民，主要居住於德州。
- 您所提交之資料係就您所知為真實、正確、完整。
- 您所提供之資料係關於您本人，或您經授權代理之共同被保險人。
若您不同意本條款，請勿使用本服務。
2. 服務說明
Ask-Tiffany 為持照之獨立保險經紀。負責經紀人為 [TIFFANY_LEGAL_FULL_NAME]， 德州本州常駐保險經紀執照 [TX_LICENSE_NUMBER]，NPN [NPN]。 本服務係透過線上表單蒐集所需資料，以（a）製作個人汽車保險報價、（b）向一家或多家保險公司提交您之申請、 （c）就您之報價、申請及保單與您聯繫。
我們為獨立經紀，並非保險公司，亦不簽發保單。承保事宜、保費及是否承保由各保險公司獨立決定。
3. 非保險契約
提交報價表單並不產生任何保險效力。 報價僅為依您所提供及第三方取得之資料所做之預估， 尚須由保險公司進行核保審查、查核並接受。承保僅於（i）保險公司核發保單、（ii）保單所載生效日及時間到達、 且（iii）已繳納所需保費後始生效。保單條款、條件、除外與限額應僅以該保單為準。
報價有效期間有限，且若任何資料不正確、不完整或於承保前有所變更，得不另行通知而變更。
4. 您授予之授權
當您提交報價表單並（如適用）於表單上勾選信用調閱同意後，即授權 Ask-Tiffany 及我們合作之保險公司、MGA、再保公司 與消費者資信機構，基於合法保險核保與費率計算之目的，取得並使用關於您之資料，包括：
- 來自 LexisNexis Risk Solutions、TransUnion、Equifax、Experian 等消費者資信機構之消費者報告／信用保險評分（依 FCRA 15 U.S.C. §1681b(a)(3)(C) 之「許可目的」）。
- 來自州監理所之駕駛紀錄（MVR）。
- CLUE、A-PLUS 等理賠歷史報告。
- 向前保險公司查核既有保單及承保額度。
- 依您所提供資料，由 Ask-Tiffany 選擇之保險公司提交您之申請。
您得隨時依第 19 節之聯絡方式撤回前述任何授權；惟此舉可能影響我們為您完成報價或維護保單之能力。撤回僅向後生效。
5. 電子簽名與電子紀錄
本服務使用電子紀錄與電子簽名。當您鍵入法定姓名、於簽名板手寫簽名並點選送出按鈕時，即同意：
- 依聯邦《E-Sign Act》（15 U.S.C. §§7001 et seq.）及《德州統一電子交易法》（Tex. Bus. & Com. Code 第 322 章）以電子方式進行本交易。
- 您之鍵入姓名及手寫簽名與紙本親筆簽名具有同等法律效力。
- Ask-Tiffany 將保留本條款、您之申請件、簽名以及簽署日期時間之電子紀錄。
系統需求。 使用本服務及存取、保存、列印電子紀錄需具備：
- 當前版本之主流瀏覽器（Chrome、Safari、Firefox、Edge），並開啟 JavaScript 及 cookies／localStorage。
- 具足夠螢幕尺寸與儲存空間之裝置，以瀏覽及儲存紀錄。
- 能存取 PDF 之軟體。
- 有效之電子郵件信箱（如以行動裝置簽名，需支援觸控之裝置）。
撤回同意與索取紙本副本之權利。 您可依第 19 節之聯絡方式書面撤回以電子方式交易之同意， 並索取我們持有之任何電子紀錄之紙本副本。撤回僅向後生效，不影響撤回前所簽署紀錄之法律效力。 紙本副本費用得於法律允許範圍內合理收取。
6. 通訊同意（電話、簡訊、電子郵件）
您提供電話號碼並提交表單，即同意 Ask-Tiffany 及其代理人得以該號碼與您聯繫——包括自動撥號設備、預錄或人工合成語音 訊息及 SMS／簡訊——就您之報價、申請、保單或服務相關事項，縱使該號碼已登錄於聯邦或州 Do Not Call 名單。 同意接收自動撥號之行銷訊息並非取得報價之條件。
訊息頻率不一；可能產生標準訊息及數據費用。 您可隨時回覆 STOP 取消接收簡訊， 或回覆 HELP 取得協助。我們將儘速處理合理之退訂請求。
您提供電子郵件信箱，即同意收取我們就您之報價、申請或保單發送之交易性與服務性電子郵件。 行銷性電子郵件（如有）將依《CAN-SPAM Act》提供清楚之退訂機制。
7. 資料正確性
您同意提供真實、正確、完整之資料，並於資料有變更時即時更新。保險申請書中之不實陳述、遺漏或詐欺行為可能導致：
- 較高之保費或拒絕承保。
- 保單之取消、撤銷或不續保。
- 理賠遭拒。
- 依適用之保險詐欺法令受民事或刑事處分（包括《德州保險法》第 701 章及《德州刑法》§35.02）。
8. 使用規範
您不得：
- 違反法令、規章或他人權利使用本服務。
- 未經授權提交他人之個人資料；惟您經授權代理之共同被保險人不在此限。
- 冒充他人、其他經紀、業者或公司。
- 以自動化方式爬取、抓取或截取本站資料。
- 探測、掃描或測試本站之安全弱點，或試圖未經授權進入。
- 干擾或破壞本服務之完整性、安全性或效能。
- 上傳惡意程式、病毒或任何有害程式碼。
- 透過本服務詐欺、欺騙或誤導任何保險公司或第三人。
9. 智慧財產
本站（含其文字、圖片、商標、版面、設計與程式碼）為 Ask-Tiffany 或其授權人所有，受美國及國際著作權、商標及其他 智慧財產法令保護。我們授予您有限、可撤回、非專屬、不可轉讓之授權，以便您為自己及家戶申請汽車保險報價而使用 本服務；未經授權之其他使用一概禁止，本條款未明示授予之權利皆予以保留。
第三方商標（包含保險公司名稱及商標）屬其各別所有人，僅用於識別我們可能提交申請之公司。
10. 第三方服務
本服務使用第三方供應商（如 Google LLC 用於表單儲存與文件代管，及 CDN 用於靜態資源）。本服務亦可能連結或互動至 保險公司平台、主管機關網站或其他第三方資源。我們不掌控亦不負責任何第三方之可用性、內容、產品、服務或其隱私 及安全作業。您使用該等第三方網站或服務應受該方之條款及隱私告知拘束。
11. 免責聲明
報價僅為預估，不保證任何保險公司會以任何特定價格或條件提供承保。透過本服務提供之資訊僅供一般參考，並非法律、 稅務或財務建議。使用本服務並不產生任何代理、保單記名代理人、信義關係或律師委任關係；代理關係（若有）僅於保單 正式核發、且您以書面選任 Ask-Tiffany 為您之經紀後方成立。
12. 責任限制
部分司法管轄區不允許排除或限制特定損害，故上述限制可能不適用於您。本條款不限制您依適用法律享有之任何不可拋棄之 權利或救濟，包括《德州欺騙性交易行為與消費者保護法》（Tex. Bus. & Com. Code 第 17 章；依 §17.42 不得拋棄之 條款不予拋棄）。
13. 賠償
於法律允許之最大範圍內，您同意為 Ask-Tiffany 及其所有人、職員、員工、代理人及授權人辯護、補償並使其免於受害， 就因下列事由所生之任何主張、請求、責任、損害、損失及費用（含合理之律師費）：（a）您違反本條款；（b）您違反法律 或第三人權利；（c）您透過本服務提交之資料有不實、錯誤或詐欺；或（d）您未經授權提交他人個人資料。
14. 準據法與管轄法院
本條款以美國德州法為準據法（不適用其法律衝突原則）。受第 15 節之限制，因本條款或本服務所生之爭議，專屬管轄法院 為位於 [COUNTY], Texas 之州法院或聯邦法院，您並同意接受該等法院之屬人管轄。
本節並不拋棄或限制您依所在州法律享有之任何不可拋棄之權利或救濟，包括任何不可拋棄之消費者保護或保險法令。 《聯合國國際貨物銷售合同公約》不適用。
15. 爭議處理；保留向主管機關申訴之權利
應先進行非正式協商。 您於提出任何請求或訴訟前，同意先依第 19 節之聯絡方式書面敘明爭議內容， 並以善意進行至少三十（30）天之協商。多數爭議透過此方式即可解決。
保留向主管機關申訴之權利。 本條款（含任何非正式協商、準據法或管轄條款）均不限制您向 Texas Department of Insurance、National Association of Insurance Commissioners 或任何對 Ask-Tiffany 或其執照 有管轄權之政府機關提出申訴之權利。TDI 之聯絡方式載於我們之隱私權政策。
無強制仲裁；無集體訴訟拋棄。 我們並不要求您以仲裁解決爭議，亦不要求您以拋棄集體訴訟權作為使用本服務之條件。
16. 可分割性、棄權、轉讓、不可抗力、整體合約
- 可分割性。 本條款中任一條款如經認定不可執行，該條款仍應於允許之最大範圍內執行，其餘條款不受影響。
- 無棄權。 未行使任何權利或條款不視為拋棄該等權利或條款。
- 轉讓。 未經我們事前書面同意，您不得轉讓本條款或其下之任何權利義務。我們得於合併、收購、融資或業務出售時轉讓本條款。
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