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.

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.

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 connects truck drivers and commercial transportation professionals with our licensed insurance agency partners, who in turn connect you with licensed insurance agents and carriers. The current list of our partners is published in our Privacy Policy (Section 6).

Geographic coverage: Insurance quote services are currently available only to residents of Florida and Texas. We are actively expanding to additional states.

This website is for informational and lead-generation purposes only. Nothing on this website constitutes a binding insurance offer, contract, or guarantee of coverage.

3. No Guaranteed Rates or Coverage

Any rate estimates, premium ranges, or benefit descriptions displayed on this website 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 represents illustrative examples, not a guaranteed price for you.
• All final coverage decisions are made by licensed insurance carriers, not by American Trucker Benefits.

4. Informational Purposes Only

The content published on this website 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.

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.

5.1 Cookies and Tracking Technologies

Our website uses cookies, web beacons, advertising pixels (including the Meta Pixel), and similar tracking technologies for site functionality, analytics, conversion tracking, and remarketing. By accessing or using this website, you consent to our use of these technologies as described in our Privacy Policy (Section 8).

You can control cookie preferences through your browser settings; disabling certain cookies may affect website functionality. California residents and residents of other states with applicable privacy laws have additional rights described in our Privacy Policy (Section 10), including the right to opt out of targeted advertising.

6. Your Responsibilities

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

• Provide accurate, truthful, and current information in all form submissions
• Not use this website for any unlawful purpose
• Not attempt to interfere with, disrupt, or damage the operation of the website
• Not submit false, misleading, or fraudulent information
• Take responsibility for any insurance decisions you make
• Provide only your own information, or information you are authorized to provide

7. Intellectual Property

All content on this website 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, or create derivative works without prior written consent.

8. External Links Disclaimer

Our website may contain links to third-party websites. We do not endorse, control, or take responsibility for the content, privacy practices, accuracy, or availability of any third-party website.

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.

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, any insurance decisions made, unauthorized access to your information, any third-party conduct, any communications received, or any errors or omissions in our content.

In no event shall our total cumulative liability exceed one hundred dollars ($100.00) or the amount you have paid us in the twelve months preceding the claim, whichever is greater.

11. Indemnification

You agree to indemnify, defend, and hold harmless American Trucker Benefits, Kingsley Consulting, our licensed insurance agency partners, and their respective affiliates from any claims, liabilities, damages, losses, costs, and expenses arising from your use of the website, your violation of these Terms, or your submission of inaccurate information.

12. Termination

We may terminate or suspend your access to the website at any time, without notice, for any reason. 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 AI-generated messages), or any alleged violation of the TCPA, the Florida 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. The arbitration shall take place in Florida, or by phone, video, or written submission, at your election. The arbitrator’s decision shall be final and binding on both parties.

14.3 Class Action Waiver

YOU AND AMERICAN TRUCKER BENEFITS AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN THAT PARTY'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING.

YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING AGAINST AMERICAN TRUCKER BENEFITS, KINGSLEY CONSULTING, OR OUR LICENSED INSURANCE AGENCY PARTNERS.

If a court or arbitrator determines that the class action waiver 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 brought in small-claims court (if qualified and remaining individual), claims for injunctive relief related to intellectual property infringement, or claims that under applicable law cannot be subject to mandatory arbitration.

14.5 Right to Opt Out of Arbitration

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, that provision shall be modified to the minimum extent necessary to make it enforceable, or if no 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.

17. Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms at any time without notice.

18. Contact Us