Terms & Conditions

These Terms and Conditions (“Terms”) outline a legal agreement between you, the user, and Ayala Advisory Group Insurance Agency (referred to here as “we,” “our,” or “us”). By accessing or using this website or submitting your information through it, you agree to these Terms. If you do not agree, please do not use this site or submit any information.

Mandatory Arbitration

All disputes must be resolved through binding arbitration. This means you give up your right to take legal action in court, participate in class action lawsuits, or have your case heard by a judge or jury.

Our Services

Ayala Advisory Group Insurance Agency acts solely as a connector, linking users with insurance companies that may respond to their requests. While we do not charge for submitting inquiries, we may be paid by the insurance providers we connect you with.

By providing your details, you permit us to share your information with these insurance providers. For more information, see our Privacy Policy, which is a part of these Terms. You also consent to being contacted via phone, text, email, or mail—even if your number is listed on state or federal Do Not Call registries.

No Guarantees or Recommendations

We do not recommend or promote any particular insurer or insurance product. Ayala Advisory Group Insurance Agency is not a licensed insurance broker and does not issue policies. Any relationship you establish with an insurance provider is solely between you and that provider.

Submitting your details through this website does not ensure that you will receive a response or be offered insurance.

Use of Information

When you use this website, you agree that your information may be shared with third-party insurance providers. Once it is shared, the use of your data is governed by the privacy policies of those providers.

To stop communications, you must contact the insurance provider directly. We do not sell your data. Your information is used only to match you with relevant insurance options as explained in our Privacy Policy.

Disclaimer of Warranties

This website and the services offered are provided “as is.” We make no guarantees or warranties, including:

- Suitability for commercial use

- Suitability for any specific purpose

- Accuracy or completeness of information

- Protection from third-party infringement

We do not guarantee uninterrupted service or that the website is free from viruses or other harmful components.

Limitation of Liability

To the maximum extent allowed by law, Ayala Advisory Group Insurance Agency and its affiliates will not be responsible for any damages related to:

- Your use of the site or our services

- Information received from third-party providers

- Any policy or service you acquire from a third-party provider

If any limitation listed here is deemed invalid, our maximum liability shall not exceed $100.

Resolving Disputes Through Arbitration

Unless restricted by applicable law, all claims or disputes must be settled through binding arbitration under the rules of the American Arbitration Association (AAA) or another mutually agreed arbitration entity.

The arbitration will occur in WY unless we both agree on a different location. For smaller claims (under $2,500), phone arbitration may be available.

You may not join your claim with others in a class action or multi-party arbitration.

Changes to Terms

We may change these Terms, our services, or this website at any time without advance notice. Any updates will be posted here. Your continued use of the site or services means you accept the updated Terms.

If you disagree with any future changes, please stop using our website and services.

Applicable Law

These Terms are governed by the laws of WY, excluding its conflict of law rules. If any provision is found invalid, the rest will still apply.

Entire Agreement

These Terms represent the complete agreement between you and Ayala Advisory Group Insurance Agency regarding your use of this website. If we do not enforce a provision, it does not mean we’ve waived our right to enforce it later.

By using this website, you confirm you have read and agreed to these Terms.

Save for Your Records

We encourage you to print or save these Terms. For any questions, please reach out to us at [email protected].