Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
Gabi's Terms of Service contain several clauses that users should be aware of. You waive your right to participate in class action lawsuits or class-wide arbitration, and disputes will be resolved through individual binding arbitration (risk_flags-1, risk_flags-2). Gabi may terminate your account at any time without prior notice or cause, potentially leading to the loss of all associated information (cancellation_renewal-1). By using the service, you expressly consent to Gabi sharing your personal information with various third parties, including credit agencies and marketing partners, for purposes of obtaining data and providing insurance quotes on an ongoing basis (data_use-1, data_use-3). Additionally, the terms may be updated without notice to you (gotchas-1), and Gabi is not responsible for content or aspects of third-party resources accessed through their services (gotchas-2).
90% confidence
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Follow up on findings with grounded answers from this review. Not legal advice.
Risk Flags
6 findings
Critical issues that users should be aware of, including significant limitations on rights, potential for unexpected charges, or weakening of legal recourse.
high95% confidence
Mandatory Arbitration
You agree that disputes between you and Gabi will be resolved by binding, individual arbitration and you waive your right to participate in a class action lawsuit or class-wide arbitration.
Why it matters: You lose your right to a trial by jury and to participate in a class action lawsuit or class-wide arbitration. Disputes will be resolved through individual arbitration.
ARBITRATION NOTICE AND CLASS ACTION WAIVER: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
Gabi Personal Insurance Agency, Inc. Terms of Service, paragraph 5 · Citation strength: strong
high95% confidence
You agree not to participate in class actions or consolidated claims
You are giving up your right to participate as a class representative or class member on any class claim you may have, including any right to class arbitration or any consolidation of individual arbitrations. You also agree not to participate in claims brought in a private attorney general or representative capacity, or consolidated claims involving another person’s account.
Why it matters: You cannot join with other users in class action lawsuits, class arbitrations, or consolidated claims, limiting your ability to pursue certain types of legal action.
YOU ARE GIVING UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. You also agree not to participate in claims brought in a private attorney general or representative capacity, or consolidated claims involving another person’s account, if we are a party to the proceeding.
ARBITRATION CLAUSE & CLASS ACTION WAIVER – IMPORTANT – PLEASE REVIEW AS THIS AFFECTS YOUR LEGAL RIGHTS, paragraph 1 · Citation strength: strong
medium90% confidence
License Grant to User Content
By submitting User Content, you grant Gabi a worldwide, non-exclusive, perpetual, royalty-free, fully paid, sublicensable, and transferable license to use, edit, modify, reproduce, distribute, and otherwise exploit your content for their business, including after account termination.
Why it matters: Gabi can use your content in many ways, including commercially, even if you terminate your account. You lose some control over your content after submission.
By submitting User Content through the Services, you hereby do and shall grant us a worldwide, non-exclusive, perpetual, royalty-free, fully paid, sublicensable and transferable license to use, edit, modify, truncate, aggregate, reproduce, distribute, prepare derivative works of, display, perform, and otherwise fully exploit the User Content in connection with the Site, the Services and our (and our successors’ and assigns’) businesses, including without limitation for promoting and redistributing part or all of the Site or the Services (and derivative works thereof) in any media formats and through any media channels (including, without limitation, third party websites and feeds), and
Content, paragraph 7 · Citation strength: strong
medium90% confidence
One-Year Limit for Legal Claims
Any claim or cause of action arising out of, related to, or connected with the use of the Services or these Terms must be filed within one (1) year after such claim of action arose or be forever banned.
Why it matters: You have a limited timeframe of one year to file any legal claims related to the services or terms, after which you lose the right to do so.
You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of, related to or connected with the use of the Services or these Terms of Services must be filed within one (1) year after such claim of action arose or be forever banned.
ARBITRATION CLAUSE & CLASS ACTION WAIVER – IMPORTANT – PLEASE REVIEW AS THIS AFFECTS YOUR LEGAL RIGHTS, paragraph 1 · Citation strength: strong
medium95% confidence
We may remove or modify your content without notice and for any reason
Gabi reserves the right to remove, edit, or modify any Content in their sole discretion, at any time, without notice to you and for any reason, or for no reason at all.
Why it matters: Any content you submit to the service can be removed or changed by Gabi at any time, for any or no reason, without informing you.
We reserve the right to, but do not have any obligation to, (i) remove, edit or modify any Content in our sole discretion, at any time, without notice to you and for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if we are concerned that you may have violated these Terms of Service), or for no reason at all and (ii) to remove or block any Content from the Services.
Content, paragraph 8 · Citation strength: strong
low90% confidence
No warranty on content accuracy or services
Gabi does not guarantee that any Content you access on or through the Services is or will continue to be accurate. The services and content are provided "as is" and "as available" without warranties.
Why it matters: You cannot rely on the accuracy of content provided through the services, and the services themselves come without any express or implied warranties.
**C.**THE SERVICES AND CONTENT ARE PROVIDED “AS IS”, “AS AVAILABLE” AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED.
How your data is collected, processed, and shared. This includes specifics on third-party sharing, data monetization, and privacy controls.
high95% confidence
Consent to share information with third parties for quotes and marketing
You expressly consent to Gabi using your personal information to obtain data from third-party databases (like credit agencies, DMV, CLUE) and authorizing Gabi to share your information with aggregator and third-party marketing partners (e.g., QuoteLab, MediaAlpha, QuinStreet) for insurance quotes or related services.
Why it matters: Your personal data, credit information, vehicle, and driver data will be shared with multiple third parties for obtaining insurance quotes and for marketing purposes without further explicit consent.
By registering for the Services, by opening an Account, and by accepting these Terms, you are expressly consenting to Gabi using your personal information for purposes of obtaining data on you from third party databases, including without limitation, credit agencies, state departments of motor vehicles and similar agency or services that collect vehicle and driver information, and/or the Comprehensive Loss Underwriting Exchange (also known as CLUE), an insurance claims history database generated by LexisNexis®.
Gabi Personal Insurance Agency, Inc. Terms of Service, paragraph 7 · Citation strength: strong
medium90% confidence
Consent to receive promotional SMS/text messages
By consenting to Gabi’s SMS/text messaging service, you agree to receive SMS/text messages with promotional news and alerts from Gabi to your mobile phone number, even if it's on a Do Not Call list, and acknowledge messages may be sent using automated technology.
Why it matters: You will receive promotional text messages from Gabi, which may be automated, and standard message and data rates will apply. Your number may be contacted even if on a Do Not Call list.
By consenting to Gabi’s SMS/text messaging service, you agree to receive SMS/text messages with service, transaction, account-related, and promotional news and alerts from Gabi to your mobile phone number provided, even if your mobile number is registered on any state or federal Do Not Call list. You certify that your mobile number provided is true and accurate and that you are authorized to enroll the designated mobile number to receive such text messages. You acknowledge and agree that the text messages may be sent using automated technology.
SMS Text Messaging Program, paragraph 1 · Citation strength: strong
medium90% confidence
Gabi obtains new insurance quotes on your behalf
Using previously provided information, you authorize Gabi to periodically obtain new insurance quotes on your behalf.
Why it matters: Gabi will continue to use your provided information to get new insurance quotes for you without requiring further action or consent from you each time.
Using the information you previously provided, you authorize Gabi to periodically obtain new insurance quotes on your behalf.
Terms related to subscription, cancellation, termination, and renewal, including any associated fees or conditions.
high95% confidence
Gabi may terminate your account at any time without notice or cause
Gabi may terminate your access to all or any part of the Services at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership.
Why it matters: Your account and all associated information can be terminated and deleted by Gabi without warning or justification, potentially leading to loss of access and data.
As permitted by California law governing the termination of brokerage relationships, we may terminate your access to all or any part of the Services at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership.
Unexpected or less obvious clauses that could be problematic for users, such as one-sided terms, disclaimers of responsibility, or automatic consent.
medium90% confidence
Terms updated without notice
These Terms of Service and all other operating rules, policies, and procedures may be updated from time to time without notice to you.
Why it matters: The terms governing the service can change at any time without you being explicitly informed, requiring you to regularly check for updates.
By registering for and/or using the Services in any manner, including but not limited to visiting or browsing the Site, you agree to these Terms of Service and all other operating rules, policies and procedures that may be published from time to time on the Site by us, each of which is incorporated by reference and each of which may be updated from time to time without notice to you.
Gabi Personal Insurance Agency, Inc. Terms of Service, paragraph 2 · Citation strength: strong
medium90% confidence
Accessing third-party resources is at your own risk
When you access third-party resources on the Internet through the Services, you do so at your own risk, and Gabi acknowledges that they are not responsible or liable for the content, functions, accuracy, legality, or any other aspect of such resources.
Why it matters: Gabi is not responsible for any issues, damages, or losses that may arise from your use of linked third-party websites or resources.
The Services may permit you to link to other websites, services or resources on the Internet, and other websites, services or resources may contain links to the Services. When you access third party resources on the Internet, you do so at your own risk. These other resources are not under our control, and you acknowledge that we are not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources.
Third Party Services, paragraph 1 · Citation strength: strong
Protections
1 finding
Commitments and features that benefit users, such as strong data privacy practices, clear cancellation processes, or transparent data handling.
Protection95% confidence
Ability to delete your account
You shall have the ability to delete your Account, either directly or through a request made to one of our employees or affiliates.
Why it helps: Users have control over their account and can request its deletion, providing a clear path to remove their information from the service.
You shall have the ability to delete your Account, either directly or through a request made to one of our employees or affiliates.