Effective Date: 2/17/2026
Welcome to the website of Trustway Services, LLC DBA AADirect (CA DBA AssuranceAmerica Insurance Agency License# 6005799, a licensed insurance agency (“Company,” “we,” “our,” or “us”). By accessing or using this website, mobile site, or any related digital services including but not limited to a mobile application (collectively, the “Site”), you agree to be bound by these Terms of Use (the “Terms”) and all applicable laws and regulations. If you do not agree, you should not use the Site.
We may update or modify these Terms from time to time. Updated Terms will be effective upon posting to the Site, and the “Last Updated” date above will reflect the date of revision. Your continued use of the Site after such posting constitutes your acceptance of the revised Terms.
Permitted Use
You may access and use the publicly available portions of the Site for lawful, personal, and non-commercial purposes only.
You may link to publicly accessible pages of the Site provided that the link is not misleading, does not imply endorsement or affiliation, is not used for a commercial purpose, and does not frame or misrepresent the Site’s content without our express written authorization. We reserve the right to revoke permission to link at any time if the linking activity is abusive, deceptive, competitive in nature, or otherwise inconsistent with these Terms.
You agree not to:
Insurance and Coverage Disclaimer
The Site is operated by a licensed insurance agency and provides information about insurance products and services.
Quotes, coverage descriptions, premium estimates, and product summaries displayed on the Site are for informational purposes only and do not constitute a binder of insurance, an offer to insure, or a guarantee of coverage. All insurance coverage is subject to underwriting approval and policy issuance by the applicable insurer.
Insurance coverage is governed exclusively by the terms, conditions, exclusions, limitations, and endorsements of the applicable insurance policy. In the event of any conflict between information on the Site and an issued policy, the policy controls.
Not all products are available in all states, and coverage availability may vary based on eligibility, underwriting criteria, and applicable law. Eligibility requirements, terms, exclusions, limits and restrictions may apply.
Accounts and Security
If you create an account on the Site, you are responsible for maintaining the confidentiality of your login credentials and for all activity conducted under your account.
Authentication methods may include passwords, multi-factor authentication, one-time passcodes, biometric authentication, device-based authentication, or third-party identity verification services. You agree to safeguard your credentials and devices and to notify us immediately of any suspected unauthorized access or security breach.
We reserve the right to suspend, restrict, or terminate accounts if we reasonably suspect fraud, misuse, security risks, violations of these Terms, or activity that may expose the Company or other users to harm or legal liability.
Electronic Communications and Consent
By using the Site, you consent to receive communications from us electronically, including via email, text message, chat, secure portal message, or in account notification, consistent with applicable law.
Where required by law, we will obtain your consent for electronic delivery of policy documents, notices, disclosures, and other legally required communications. You are responsible for maintaining accurate and current contact information and for ensuring that communications from us are not blocked or filtered.
Payments and Card Processing
If you make payments through the Site, you represent that you are authorized to use the payment method provided.
Payments may be processed by third-party payment processors that comply with applicable law. Payment information may be tokenized and securely stored by our payment processor.
By submitting payment information, you authorize us and our payment processor to charge the designated payment method for premiums, installment payments, renewal premiums, fees, service charges, and applicable taxes, as disclosed at the time of transaction.
Third-Party Services and Links
The Site may contain links to third-party websites or integrate third-party services.
These may include payment processors, identity verification providers, analytics providers, customer support platforms, chat tools, embedded content, rating engines, quote vendors, marketing platforms, and other service providers.
We do not control and are not responsible for the content, security, privacy practices, or terms of use of third-party sites or services.
Your use of third-party services may be subject to separate terms and privacy policies of those providers.
Digital Tracking, Analytics, and Communications Monitoring
We and our service providers may use cookies, pixels, web beacons, session recording and replay tools, analytics technologies, and similar tracking technologies to collect information about how users interact with the Site. This may include page views, clicks, navigation paths, device information, and browser information.
We may also record or monitor telephone calls, chats, and other communications for quality assurance, training, fraud prevention, and compliance purposes, consistent with applicable law.
For more information, please review our Privacy Policy [link].
Intellectual Property
All content on the Site, including text, graphics, logos, icons, images, software, and design, is owned by or licensed to the Company or an affiliate and is protected by intellectual property laws.
Except as expressly permitted in these Terms, you may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit Site content without our prior written consent.
Privacy
Your use of the Site is also governed by our Privacy Policy [link], which is incorporated into these Terms by reference.
Disclaimer of Warranties
The Site and its content are provided on an “as is” and “as available” basis.
To the fullest extent permitted by law, we disclaim all warranties of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that the Site will be uninterrupted, secure, error-free, or free of viruses or other harmful components.
LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, the Company, its parent companies, subsidiaries, affiliated entities, sister companies, predecessors, successors, and assigns, and each of their respective current and former officers, directors, managers, members, partners, shareholders, employees, agents, representatives, contractors, and service providers, collectively, the “Company Parties,” shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages, including without limitation damages for lost profits, lost revenues, lost business opportunities, loss of data, loss of goodwill, or business interruption, arising out of or relating to: (a) your access to or use of, or inability to access or use, the Site, (b) any insurance agency, brokerage, advisory, marketing, quoting, placement, servicing, renewal, billing, payment processing, claims assistance, customer support, digital platform, mobile application, communication, or other services provided by or through the Company, whether online, offline, or through third party service providers, (c) any information, content, tools, calculators, estimates, or materials made available by the Company, or (d) these Terms, regardless of the theory of liability, whether in contract, tort, negligence, strict liability, or otherwise, and even if advised of the possibility of such damages.
To the fullest extent permitted by applicable law, the total cumulative liability of the Company Parties for any and all claims arising out of or relating to the Site, any services provided by the Company, or these Terms shall not exceed the greater of, (a) the total amount, if any, paid by you to the Company in connection with the specific product or service giving rise to the claim in the twelve months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars, USD $100.00.
The foregoing limitation applies on a per claimant basis and shall apply regardless of the number of claims asserted, the number of causes of action alleged, or the form of proceeding, whether individual, consolidated, coordinated, mass, representative, or purported class action. For the avoidance of doubt, multiple claims arising out of or relating to the same facts, circumstances, event, transaction, or series of related events shall be subject to a single aggregate liability cap per claimant and shall not increase or multiply the applicable liability limit.
Nothing in these Terms shall limit or exclude liability to the extent such limitation or exclusion is prohibited by applicable law.
For clarity, nothing in this Section limits or alters any rights or obligations under an issued insurance policy, which are governed exclusively by the terms of the applicable insurance contract.
INDEMNIFICATION
You agree to defend, indemnify, and hold harmless the Company Parties, meaning the Company, its parent companies, subsidiaries, affiliated entities, sister companies, predecessors, successors, and assigns, and each of their respective current and former officers, directors, managers, members, partners, shareholders, employees, agents, representatives, contractors, and service providers, from and against any and all claims, demands, actions, suits, proceedings, investigations, liabilities, damages, losses, judgments, settlements, penalties, fines, costs, and expenses, including reasonable attorneys’ fees and court costs, arising out of or relating to: (a) your access to or use of the Site or any services provided by or through the Company, whether online or offline, (b) your violation of these Terms, (c) your violation of any applicable law, rule, or regulation, (d) your infringement, misappropriation, or violation of any intellectual property or other rights of any third party, or (e) any information, content, data, or materials you submit, transmit, or otherwise make available through the Site or in connection with the Company’s services.
This indemnification obligation applies regardless of whether such claim is brought on an individual, consolidated, coordinated, mass, representative, or purported class basis and applies to the fullest extent permitted by applicable law.
You agree to reimburse the Company Parties upon demand for any losses, costs, or expenses incurred in connection with such claims.
The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate fully in the defense of such matter.
Governing Law and Venue
These Terms and any dispute arising out of or relating to the Site or the Company’s services shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to conflict of law principles. You agree that any action or proceeding shall be brought exclusively in the state or federal courts located in Cobb County, Georgia, unless otherwise required by applicable law.
DISPUTE RESOLUTION; MANDATORY ARBITRATION; CLASS ACTION WAIVER
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
1. Agreement to Arbitrate
To the fullest extent permitted by applicable law, you and the Company agree that any dispute, claim, or controversy arising out of or relating to the Site, any services provided by or through the Company, any insurance agency or brokerage activities, or these Terms, including the formation, interpretation, breach, termination, enforcement, or validity thereof, shall be resolved exclusively through final and binding arbitration, except as expressly provided below. This arbitration agreement is governed by the Federal Arbitration Act.
2. Scope
This agreement to arbitrate applies to all claims, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and applies regardless of whether the claim arises before or after acceptance of these Terms.
3. Arbitration Procedures
Arbitration shall be administered by the American Arbitration Association under its Consumer Arbitration Rules then in effect, unless the parties agree otherwise. The arbitration shall be conducted before a single neutral arbitrator. Unless otherwise required by applicable law, arbitration shall take place in the county of your residence or, if you reside outside the United States, in Cobb County, Georgia. The arbitrator may award relief available in court on an individual basis.
4. Class Action Waiver
You and the Company agree that any arbitration or proceeding shall be conducted solely on an individual basis and not as a class, consolidated, coordinated, representative, or mass action. The arbitrator shall have no authority to preside over any form of class or representative proceeding.
5. Small Claims Exception
Either party may bring an individual claim in small claims court if the claim qualifies and remains on an individual basis.
6. Opt-Out Right
You may opt-out of this arbitration agreement by sending written notice within thirty days of first accepting these Terms to:
Trustway Services, LLC DBA AADirect (CA DBA AssuranceAmerica Insurance Agency)
Attn: Legal Department
100 Galleria Pkwy
Suite 800
Atlanta, GA 30339
Your notice must include your name, address, and a clear statement that you wish to opt-out of arbitration.
7. Jury Trial Waiver
To the extent any dispute proceeds in court, you and the Company waive any right to a trial by jury.
8. Except as otherwise provided in this section, if any portion of this arbitration agreement is found unenforceable, the remainder shall remain in effect.
LIMITATION PERIOD FOR CLAIMS
To the fullest extent permitted by applicable law, any claim, action, or proceeding arising out of or relating to the Site, any services provided by or through the Company, any insurance agency or brokerage activities, or these Terms must be commenced within one year after the cause of action accrues.
If a claim is not filed within this period, it shall be permanently barred.
This limitation period does not apply to claims that cannot be contractually limited under applicable law.
Severability
If any provision of these Terms is found to be unlawful or unenforceable, the remaining provisions shall remain in full force and effect.
Entire Agreement
These Terms, together with the Privacy Policy [link] and any additional terms expressly incorporated herein, constitute the entire agreement between you and the Company regarding the Site and the services described herein and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.
Force Majeure
The Company shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, pandemics, cyberattacks, telecommunications failures, labor disputes, governmental actions, or failures of third-party service providers.
Assignment
You may not assign or transfer these Terms without our prior written consent. The Company may assign or transfer these Terms without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets.
No Waiver
No failure or delay by the Company in exercising any right under these Terms shall constitute a waiver of that right.
Notices
Except as otherwise provided herein, legal notices to the Company must be sent in writing to the mailing address listed in the Contact Information section, Attn: Legal Department.
Contact Information
If you have questions about these Terms, please contact:
Trustway Services, LLC DBA AADirect (CA DBA AssuranceAmerica Insurance Agency)
Attn: Legal Department
100 Galleria Pkwy
Suite 800
Atlanta, GA 30339