Terms of Service

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Services.

By using the Services, you represent that:

1. You are at least 18 years old;
2. The information you provide is truthful and accurate;
3. You are submitting information for yourself or have lawful authority to submit it for another person; and
4. Your use of the Services does not violate any applicable law.

The Services are intended for individuals located in the United States who are seeking information relating to a motor-vehicle accident.

2. Nature of the Services

American Accident Network operates an advertising and lead-generation platform that connects people who have expressed interest in speaking with an attorney with participating law firms and legal-service providers.

When you submit information through the Services, we may:

• Review the information for completeness;
• Use administrative criteria such as location, accident type, timing, claimed injuries, firm availability, licensing territory, buyer criteria, and commercial arrangements;
• Share, license, or sell your information to one or more participating law firms or legal-service providers;
• Contact you to confirm or supplement your information; and
• Allow participating law firms or their service providers to contact you.

American Accident Network may receive compensation from participating law firms for advertising services, submitted inquiries, qualified leads, calls, appointments, signed clients, or other lawful marketing services.

Consumers are not charged by American Accident Network for submitting an inquiry.

3. We Do Not Recommend or Endorse Lawyers

American Accident Network does not independently recommend, rank, endorse, approve, or guarantee any particular lawyer or law firm.

The fact that a law firm receives your information does not mean that:

• The firm is the best lawyer or law firm for your circumstances;
• We have compared that firm with other firms;
• We have evaluated the firm’s experience or likelihood of success;
• The firm has agreed to accept your matter; or
• You should hire that firm.

The law firms that receive inquiries may be selected based partly or entirely on geographic coverage, licensing, availability, practice area, lead-purchasing criteria, contractual relationships, or other administrative and commercial factors.

You are responsible for independently investigating and selecting any lawyer you may decide to hire.

4. No Legal Advice

Nothing provided through the Services constitutes legal advice.

Any website content, advertisements, questionnaires, qualification questions, estimated deadlines, settlement examples, educational materials, or communications from American Accident Network are provided for general informational and advertising purposes only.

American Accident Network does not:

• Provide legal opinions;
• Evaluate the legal merits or value of your claim;
• Determine whether you are legally entitled to compensation;
• Advise you regarding statutes of limitation or filing deadlines;
• Negotiate with insurance companies;
• File claims or lawsuits; or
• Represent you in any legal proceeding.

You should consult a licensed attorney regarding your individual circumstances.

5. No Attorney-Client Relationship

Your use of the Services, submission of information, receipt of a telephone call, or communication with American Accident Network does not create an attorney-client relationship.

An attorney-client relationship can only be created directly between you and a licensed attorney or law firm after that attorney or law firm agrees to represent you. Representation will generally require a separate written engagement or fee agreement.

Information you provide to American Accident Network is not necessarily protected by attorney-client privilege or attorney work-product protections.

Do not submit confidential legal strategy, privileged communications, complete medical records, Social Security numbers, banking information, account passwords, or other information that has not been specifically requested.

6. No Guarantee of Representation or Results

Submitting an inquiry does not guarantee that:

• A law firm will contact you;
• A law firm will accept your matter;
• You have a valid legal claim;
• You will receive a settlement, judgment, payment, or other recovery;
• Your matter will be resolved within any particular period; or
• Any attorney will obtain a particular result.

Past outcomes, testimonials, representative examples, or statements concerning potential compensation do not guarantee future results. Every legal matter is different and depends on its particular facts and applicable law.

7. Filing Deadlines and Statutes of Limitation

Legal claims are subject to statutes of limitation, notice requirements, insurance deadlines, and other time-sensitive requirements.

Submitting information through the Services does not file a claim, commence a lawsuit, notify an insurer or government agency, preserve evidence, satisfy a notice requirement, or extend or pause any legal deadline.

Neither your communication with American Accident Network nor our transmission of your information to a law firm should be relied upon to protect your legal rights.

If you believe a deadline may be approaching, contact a licensed attorney directly and promptly.

8. Information You Submit

You may be asked to provide information including:

• Your name;
• Your telephone number;
• Your email address;
• Your mailing address or ZIP code;
• The accident date and location;
• Vehicle and insurance information;
• General information concerning injuries or medical treatment;
• Information about passengers or other individuals involved;
• Information about existing legal representation; and
• Other details relevant to routing your inquiry.

You represent that the information you submit is truthful, current, and complete to the best of your knowledge.

You agree not to:

• Impersonate another person;
• Submit another person’s information without authorization;
• Submit fabricated or misleading accident information;
• Submit fraudulent claims;
• Use the Services to investigate, harass, solicit, or compete with participating law firms;
• Submit test leads without our written authorization; or
• Interfere with the operation or security of the Services.

We may reject, block, delete, or decline to transmit any submission in our discretion.

9. Authorization to Share and Sell Information

By submitting information through the Services, you authorize American Accident Network to collect, use, process, transmit, license, and sell the information you provide as described in these Terms and our Privacy Policy.

Your information may be provided to:

• Participating law firms;
• Attorneys and legal intake departments;
• Legal call centers and intake providers;
• Marketing and lead-distribution platforms;
• Customer relationship management providers;
• Telephone, text-message, and email service providers;
• Data verification, fraud prevention, and analytics providers;
• Hosting and technology vendors; and
• Other service providers that help us operate the Services.

Participating law firms and other recipients may maintain their own privacy policies and data-handling practices. Once your information has been transferred to another organization, that organization’s use of the information may also be governed by its own terms and privacy policies.

Additional information concerning our collection, sale, sharing, retention, and deletion of personal information is provided in our Privacy Policy.

10. Consent to Calls, Text Messages, and Emails

Where you provide the required consent through a website form, you authorize American Accident Network and the participating law firm or law firms identified on or near the form to contact you at the telephone number and email address you provide.

Communications may include:

• Telephone calls;
• SMS or MMS text messages;
• Voicemail messages;
• Emails; and
• Follow-up communications concerning your inquiry.

Where specifically disclosed in the consent language, calls or messages may be made using automated dialing technology, automated messaging systems, or an artificial or prerecorded voice.

Your consent applies even when your telephone number appears on a federal, state, or internal do-not-call list, to the extent permitted by applicable law.

Consent to marketing communications is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency may vary.

You may revoke consent at any time by:

• Replying STOP to a text message;
• Telling the caller that you do not wish to receive further calls;
• Using an unsubscribe link in an email;
• Emailing privacy@americanaccidentnetwork.com ; or
• Using another reasonable method that clearly communicates your request.

Reply HELP for text-message assistance.

A request to stop communications from one law firm may not automatically stop communications from another law firm or from American Accident Network. You should communicate your request directly to each organization contacting you.

11. Participating Law Firms

Participating law firms are independent third parties. They are not employees, agents, partners, joint venturers, or representatives of American Accident Network.

American Accident Network does not control:

• Whether a firm contacts you;
• What advice a firm provides;
• Whether a firm accepts your matter;
• The fees or expenses charged by a firm;
• The professional conduct of a lawyer;
• The handling, settlement, litigation, or outcome of a claim; or
• A firm’s compliance with professional, advertising, privacy, or communications requirements.

Any agreement for legal representation is solely between you and the applicable lawyer or law firm.

Questions or disputes concerning legal services must be addressed directly with that lawyer or law firm.

12. Privacy

Our Privacy Policy explains how we collect, use, disclose, sell, retain, and protect personal information and how consumers may exercise applicable privacy rights.

The Privacy Policy is incorporated into these Terms by reference.

By using the Services, you acknowledge that information transmitted over the internet or through telephone and messaging systems cannot be guaranteed to be completely secure.

13. Website Content

Website content may include general information about motor-vehicle accidents, insurance claims, injuries, compensation, legal deadlines, or the legal process.

We attempt to keep content useful and accurate, but laws and legal requirements change and may differ by state, claimant, defendant, accident type, government involvement, age, insurance coverage, and other circumstances.

We do not warrant that website content is complete, current, or applicable to your particular situation.

14. Intellectual Property

The Services and their contents, including the American Accident Network name, logos, graphics, designs, text, software, forms, videos, photographs, and other materials, are owned by or licensed to American Accident Network and are protected by applicable intellectual-property laws.

We grant you a limited, personal, revocable, nonexclusive, and nontransferable right to access and use the Services for their intended purpose.

You may not copy, reproduce, scrape, republish, distribute, sell, reverse engineer, frame, create derivative works from, or commercially exploit any portion of the Services without our written permission.

15. Third-Party Websites and Services

The Services may contain links to third-party websites or services.

We do not control and are not responsible for third-party content, availability, security, privacy practices, products, representations, or services. A link does not necessarily constitute an endorsement.

Your interactions with third parties are governed by their respective terms and policies.

16. Disclaimers and Limitation of Liability

To the maximum extent permitted by law, the Services are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory.

We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, accuracy, availability, non-infringement, and results.

To the maximum extent permitted by law, American Accident Network and its owners, affiliates, officers, employees, contractors, licensors, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost opportunities, loss of data, missed legal deadlines, or failure to obtain legal representation.

To the maximum extent permitted by law, our total liability arising from or relating to the Services will not exceed the greater of:

1. The amount you paid directly to American Accident Network during the 12 months preceding the event giving rise to the claim; or
2. One hundred U.S. dollars.

Some jurisdictions do not permit certain disclaimers or liability limitations. In those jurisdictions, these provisions apply only to the maximum extent permitted by law.

Nothing in these Terms excludes liability that cannot lawfully be excluded.

17. Arbitration Agreement and Class-Action Waiver

Please read this section carefully. It affects your right to bring a lawsuit in court and have a jury decide your claim.

17.1 Informal Dispute Resolution

Before initiating arbitration, either party must send the other a written notice describing:

• The party’s name and contact information;
• The facts underlying the dispute;
• The legal claims asserted; and
• The requested relief.

Notices to American Accident Network must be sent to:

The parties will attempt in good faith to resolve the dispute for at least 30 days after receipt of the notice.

17.2 Binding Individual Arbitration

Except for matters eligible for small-claims court and claims that cannot legally be arbitrated, any dispute arising out of or relating to these Terms or the Services will be resolved through binding individual arbitration administered by the American Arbitration Association under its applicable Consumer Arbitration Rules.

The Federal Arbitration Act governs this arbitration agreement.

Arbitration may occur by video conference, telephone, written submissions, or in person in the county where you reside, unless the parties agree otherwise.

17.3 No Class Proceedings

You and American Accident Network agree that each party may bring claims only in an individual capacity.

Neither party may bring or participate in a class action, collective action, consolidated action, representative action, or private-attorney-general action to the extent this waiver is permitted by law.

The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that party’s individual claim.

17.4 Small-Claims Court

Either party may bring an individual claim in a court of competent small-claims jurisdiction, provided the claim remains individual and within that court’s authority.

17.5 Arbitration Opt-Out

You may opt out of this arbitration agreement by sending written notice within 30 days after first accepting these Terms.

Your notice must include:

• Your name;
• Your address;
• Your telephone number;
• Your email address; and
• A statement that you are opting out of the arbitration agreement in the American Accident Network Terms of Service.

Send the notice to:

Opting out of arbitration will not otherwise affect these Terms or your use of the Services.

18. Indemnification

To the maximum extent permitted by law, you agree to indemnify and hold harmless American Accident Network and its owners, affiliates, officers, employees, contractors, and service providers from claims, liabilities, losses, and reasonable costs arising from:

• Your unlawful or unauthorized use of the Services;
• Information you knowingly submit without authorization;
• Fraudulent, false, or materially misleading submissions;
• Your violation of another person’s rights; or
• Your material violation of these Terms.

This section does not require you to indemnify us for our own unlawful conduct.

19. Suspension and Termination

We may suspend, restrict, or terminate your access to the Services when we reasonably believe you have violated these Terms, misused the Services, submitted fraudulent information, threatened the security of the Services, or engaged in unlawful activity.

Sections that by their nature should survive termination will remain in effect, including provisions concerning intellectual property, disclaimers, liability, arbitration, and indemnification.

20. Changes to the Services or Terms

We may modify the Services or these Terms periodically.

The “Last Updated” date will indicate when the Terms were most recently revised. Material changes will apply prospectively after they become effective, except where immediate changes are required by law, security concerns, or operational necessity.

Your continued use of the Services after revised Terms become effective constitutes acceptance of the revised Terms.

21. Governing Law

Except for the arbitration agreement, which is governed by the Federal Arbitration Act, these Terms are governed by the laws of British Columbia, Canada, without regard to conflict-of-law principles.

Nothing in this section deprives a consumer of non-waivable protections available under the laws of the consumer’s state of residence.

For disputes not subject to arbitration, you consent to the jurisdiction of the state and federal courts located in British Columbia, Canada, unless applicable law requires otherwise.

22. Severability

If any provision of these Terms is determined to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in effect.

If the class-action waiver in Section 17 is determined to be unenforceable as to a particular claim or remedy, that claim or remedy will proceed in court after all arbitrable claims have been resolved, unless applicable law requires otherwise.

23. No Waiver

Our failure to enforce a provision of these Terms does not waive our right to enforce that provision later.

24. Assignment

You may not assign your rights or obligations under these Terms without our written consent.

We may assign these Terms in connection with a merger, acquisition, corporate reorganization, financing, sale of assets, or transfer of the Services.

25. Entire Agreement

These Terms, our Privacy Policy, and any consent language displayed when you submit information constitute the entire agreement between you and American Accident Network concerning your use of the Services.

26. Contact Us

Questions concerning these Terms may be directed to: