Terms of Service

Effective Date: January 1st, 2020

URL: https://wallacewonginsurance.com/termsofservice

1. Acceptance of Terms

By accessing or using the Wallace Wong Insurance Agency website, SMS system, or AI-assisted services (“Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please discontinue use immediately.

2. Scope of Services

We provide insurance quotes, consultations, claims assistance, and customer communication through human and AI-assisted systems, including voice and SMS tools.

All Services are subject to applicable laws and regulations within the State of California.

3. SMS Terms and Conditions

By opting in, you agree to receive messages from Wallace Wong Insurance Agency.

Message frequency may vary.

Standard message and data rates may apply.

You may opt out at any time by texting “STOP.”

Text “HELP” for assistance or call 925-474-3405.

We do not sell or share your SMS data.

You may also choose not to check the SMS consent box on our forms to decline messaging.

4. AI and Automated Systems

We may use AI-powered chat, voice, or automation systems to help deliver faster, more accurate customer service. These tools are intended to assist, not replace, licensed agents.

No AI system independently approves, denies, or modifies insurance coverage.

5. User Responsibilities

When using our Services, you agree to:

Provide accurate and up-to-date information.

Use Services only for lawful purposes.

Not misuse or interfere with our AI, phone, or SMS systems.

6. Intellectual Property

All text, design, logos, software, and materials on our website are the property of Wallace Wong Insurance Agency. You may not reproduce, distribute, or create derivative works without written permission.

7. Limitation of Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from your use of our Services.

Our total liability shall not exceed the amount paid by you (if any) for the Service in question.

8. Third-Party Services

Our website may link to third-party platforms (e.g., payment processors or quote engines). We are not responsible for the content, practices, or policies of third parties.

9. Termination

We may suspend or terminate your access at any time for violations of these Terms or misuse of our Services.

10. Modifications to Terms

We may revise these Terms from time to time. The latest version will always appear at

https://wallacewonginsurance.com/termsofservice.

Your continued use signifies acceptance of any changes.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law rules.

12. Contact Us

For any questions about these Terms, please contact:

Wallace Wong Insurance Agency

Phone: 925-474-3405