Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your use of the website americantruckerbenefits.com and any related pages, forms, communications, or services operated by American Trucker Benefits, a marketing service of Kingsley Consulting ("ATB," "we," "us," or "our").

By accessing this website, submitting a form, communicating with us by phone or text, interacting with our AI agents, or otherwise using our services, you agree to be bound by these Terms in full. If you do not agree, please do not use our website or services.

We reserve the right to update these Terms at any time. Material changes will be posted on this page with an updated effective date. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated Terms.

2. Nature of Our Service

American Trucker Benefits is a marketing and lead-generation service. We are not an insurance company. We do not underwrite, issue, administer, or sell insurance policies.

Our website is designed to connect truck drivers and commercial transportation professionals with our licensed insurance agency partners, who in turn connect you with licensed insurance agents and carriers that can provide quotes and coverage options. The current list of our licensed insurance agency partners and the states in which they are licensed is published in our Privacy Policy (Section 6) and is updated as agency relationships and state licensing change.

Geographic coverage: Insurance quote services are currently available only to residents of Florida and Texas. We are actively expanding to additional states. If you reside in a state where our agency partners are not yet licensed, we will not provide insurance quotes or contact you about insurance products until proper licensing is obtained in your state.

When you submit your information through our forms, it is shared with one or more of our current licensed insurance agency partners, who will contact you directly. The version of our Privacy Policy in effect at the time of your submission — including the list of partner agencies and licensed states as of that date — governs which agencies may contact you under your consent.

3. No Guaranteed Rates or Coverage

Any rate estimates, premium ranges, or benefit descriptions displayed on this website — whether in articles, quizzes, marketing copy, or otherwise — are for illustrative purposes only and are not binding quotes. Actual insurance premiums and eligibility are determined solely by the insurance carrier based on your individual application, underwriting criteria, state regulations, and other factors.

• We make no guarantee that you will qualify for any specific plan, rate, or coverage amount.
• Rates and plan availability vary by state, age, health status, and other factors.
• Any mention of specific dollar amounts (such as "$2/day" or similar examples) represents illustrative minimums for healthy applicants meeting specific criteria, not a guaranteed price for you.
• All final coverage decisions are made by licensed insurance carriers, not by American Trucker Benefits or our agency partners.

4. Informational Purposes Only

The content published on this website — including articles, FAQs, benefit descriptions, comparison content, and educational material — is provided for general informational purposes only. It does not constitute legal, financial, medical, or professional insurance advice.

You should consult a licensed insurance professional before making any insurance purchasing decision. We encourage you to review all policy documents carefully before enrolling in any plan and to ask questions of your assigned licensed agent.

5. Communications and TCPA Consent

By submitting your information through our website forms, you expressly agree to the communications terms described in our Privacy Policy, including consent to receive calls, text messages, and AI-generated communications from American Trucker Benefits and our current licensed insurance agency partners.

You may opt out of these communications at any time as described in our Privacy Policy and our AI Disclosure page.

6. Your Responsibilities

By using this website and submitting information, you agree to:

• Provide accurate, truthful, and current information in all form submissions, including your state of residence
• Not use this website for any unlawful purpose or in violation of applicable laws
• Not attempt to interfere with, disrupt, hack, or damage the operation of the website or its servers
• Not submit false, misleading, or fraudulent information
• Take responsibility for any insurance decisions you make based on information obtained through this site
• Provide only your own information, or information you are authorized to provide on behalf of someone else (e.g., your spouse with their consent)

We reserve the right to refuse service, block access, or terminate your use of our website if you violate these responsibilities.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, design elements, and software — is the property of American Trucker Benefits, Kingsley Consulting, our licensed insurance agency partners, or their respective licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, publicly display, perform, or create derivative works of any content from this website without our prior written consent. Viewing and printing content for personal, non-commercial use is permitted.

"American Trucker Benefits," "Kingsley Consulting," and our associated logos are trademarks of their respective owners. The names of our licensed insurance agency partners are trademarks of those respective entities.

8. External Links Disclaimer

Our website may contain links to third-party websites, including insurance carrier websites, government resources, and informational pages. These links are provided for your convenience only.

We do not endorse, control, or take responsibility for the content, privacy practices, accuracy, or availability of any third-party website. Clicking an external link is at your own risk. You should review the terms and privacy policy of any external site you visit.

9. Disclaimer of Warranties

This website and its content are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including without limitation any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

• The website will be uninterrupted, error-free, or secure
• Any information on the site is accurate, complete, or current
• The website is free of viruses, malware, or other harmful components
• Any errors or defects will be corrected

Your use of the website is at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied.

10. Limitation of Liability

To the fullest extent permitted by applicable law, American Trucker Benefits, Kingsley Consulting, our licensed insurance agency partners, and their respective officers, employees, agents, partners, affiliates, and licensors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from:

• Your use of or inability to use this website
• Any reliance on information provided on this site
• Any insurance decisions made based on content found on this website
• Unauthorized access to or alteration of your information
• Any third-party conduct, content, or services linked from this website
• Any communications received from us, our agency partners, or our AI agents
• Any errors, omissions, or inaccuracies in our content

In no event shall our total cumulative liability to you for any claim arising out of or relating to these Terms or your use of our website exceed one hundred dollars ($100.00) or the amount you have paid us in the twelve months preceding the claim, whichever is greater.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential or incidental damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless American Trucker Benefits, Kingsley Consulting, our licensed insurance agency partners, and their respective affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

• Your use of the website
• Your violation of these Terms
• Your violation of any rights of a third party
• Your submission of inaccurate, false, or fraudulent information
• Any insurance application or claim that involves false information you provided

12. Termination

We may terminate or suspend your access to the website and our services at any time, without notice, for any reason, including violation of these Terms. Upon termination, your right to use the website ceases immediately.

The provisions of these Terms that by their nature should survive termination (including Sections 7, 9, 10, 11, 13, 14, and 15) will survive.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. The federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions in Section 14.

14. Binding Arbitration and Class Action Waiver

14.1 Agreement to Arbitrate

You and American Trucker Benefits agree that any dispute, claim, or controversy arising out of or relating to:

• These Terms
• Our Privacy Policy or AI Disclosure
• Your use of our website
• Any communications you receive from us or our licensed insurance agency partners, including calls, text messages, and AI-generated messages
• Any alleged violation of the Telephone Consumer Protection Act (TCPA), the Florida Telephone Solicitation Act (FTSA), or any analogous state or federal law

shall be resolved through binding individual arbitration, rather than in court, except as provided in Section 14.4 below.

14.2 Arbitration Rules

The arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules in effect at the time the demand for arbitration is filed. The AAA's rules are available at www.adr.org. The arbitrator shall be a single neutral arbitrator selected in accordance with the AAA Consumer Arbitration Rules. The arbitration shall take place in Florida, or by phone, video, or written submission, at your election, unless both parties agree otherwise.

The arbitrator shall have authority to award any relief that would be available in court under applicable law, including injunctive and declaratory relief and statutory damages, but only on an individual basis. The arbitrator's decision shall be final and binding on both parties.

14.3 Class Action Waiver

If a court or arbitrator determines that the class action waiver in this section is unenforceable as to any particular claim, then that claim (and only that claim) shall be severed and litigated in court, and the remainder of this Section 14 shall remain in full force and effect.

14.4 Exceptions to Arbitration

This arbitration agreement does not apply to:

• Claims that may be brought in small-claims court, if the claim qualifies and remains in such court on an individual basis
• Claims for injunctive or equitable relief related to intellectual property infringement
• Claims that, under applicable law, cannot be subject to mandatory arbitration

14.5 Right to Opt Out of Arbitration

You have the right to opt out of the arbitration provisions in this Section 14. To opt out, you must send written notice of your decision to opt out to support@americantruckerbenefits.com within thirty (30) days of the date you first agreed to these Terms (i.e., the date you first submitted a form on our website). Your notice must include your full name, the email address and phone number you used when submitting the form, and a clear statement that you wish to opt out of arbitration. Opting out of arbitration will not affect any other provision of these Terms.

14.6 Survival

This Section 14 shall survive termination of these Terms and your use of our website.

15. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if no such modification is possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and AI Disclosure, constitute the entire agreement between you and American Trucker Benefits regarding your use of our website and services. They supersede any prior agreements, communications, or understandings.

No waiver of any provision of these Terms shall be effective unless in writing and signed by us. Failure by us to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

17. Assignment

You may not assign or transfer these Terms or any of your rights or obligations under these Terms without our prior written consent. We may assign these Terms, in whole or in part, at any time without notice.

18. Contact Us

If you have questions about these Terms of Service, please contact us:

• Email: support@americantruckerbenefits.com
• Website: americantruckerbenefits.com
• Mailing Address: American Trucker Benefits, c/o Kingsley Consulting, 7901 4th St N, Ste 300, St. Petersburg, FL 33702

American Trucker Benefits is a marketing service operated by Kingsley Consulting. Insurance services are provided through our current licensed insurance agency partners, including First Pillar Legacy (Agency NPN 22182686), currently licensed in Florida and Texas. The current full list of partners and licensed states is in the Privacy Policy (Section 6).