Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
Gabi's Terms of Service include mandatory arbitration and a class action waiver, which means you cannot sue them in court or participate in group lawsuits (risk_flags-1, risk_flags-2). They can also terminate your service at any time without notice or refund (risk_flags-3). Furthermore, Gabi is granted a broad, perpetual license to use any content you submit (risk_flags-4), and they can change terms without direct notification (risk_flags-5). The service is provided "as is" without warranties and with limited liability, placing the risk on you (risk_flags-6, risk_flags-7). Finally, by registering, you consent to Gabi obtaining and sharing your personal information, including credit data, with third-party marketing partners (data_use-1).
95% confidence
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Risk Flags
6 findings
These findings highlight clauses that may pose significant risks or disempowerment to the user. They are critical for user awareness.
Not clearly stated: None
high95% confidence
Waiver of Class Action Rights
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.
Why it matters: You cannot join with other users to sue Gabi or participate in class-wide arbitration.
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.
ARBITRATION CLAUSE & CLASS ACTION WAIVER – IMPORTANT – PLEASE REVIEW AS THIS AFFECTS YOUR LEGAL RIGHTS, paragraph 1 · Citation strength: strong
high95% confidence
Service Termination Without Notice or Refund
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. Any fees paid hereunder are non-refundable.
Why it matters: Gabi can end your access to their services at any time, without warning, and keep any fees you've paid, potentially deleting your associated information.
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. If you wish to terminate your Account, you may do so by following the instructions on the Site or through the Services. Any fees paid hereunder are non-refundable.
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, prepare derivative works of, display, perform, and otherwise fully exploit your User Content.
Why it matters: Gabi has broad, perpetual rights to use, modify, and distribute any content you submit through their services, even after you terminate your account.
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
Unilateral Terms Changes Without Notice
These Terms of Service may be updated from time to time without notice to you.
Why it matters: Gabi can change the terms of service without directly notifying you. You are responsible for checking for updates.
each of which may be updated from time to time without notice to you.
Gabi Personal Insurance Agency, Inc. Terms of Service, paragraph 1 · Citation strength: strong
medium95% confidence
Disclaimer of Warranties
The services and content are provided “as is”, “as available” and without warranty of any kind, express or implied. Gabi does not warrant that the services will be secure or available, defects will be corrected, content or software is free of harmful components, or results will meet your requirements. Your use is solely at your own risk.
Why it matters: Gabi provides its services without guarantees, meaning they are not responsible for service security, availability, accuracy, or freedom from harmful components, and your use is entirely at your own risk.
WE, AND OUR DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, PARTNERS AND CONTENT PROVIDERS DO NOT WARRANT THAT: (I) THE SERVICES WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (II) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (III) ANY CONTENT OR SOFTWARE AVAILABLE AT OR THROUGH THE SERVICES IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (IV) THE RESULTS OF USING THE SERVICES WILL MEET YOUR REQUIREMENTS. YOUR USE OF THE SERVICES IS SOLELY AT YOUR OWN RISK.
Gabi, its directors, employees, agents, partners, suppliers or content providers are not liable for lost profits, data loss, cost of substitute goods or services, or special, indirect, incidental, punitive, compensatory or consequential damages. They are also not liable for bugs, viruses, or Trojan horses. Direct damages are limited to the greater of fees paid in the previous three months or $500.00.
Why it matters: Gabi limits its financial responsibility for many types of damages, including lost profits, data loss, and issues with bugs or viruses, potentially leaving you responsible for significant losses.
IN NO EVENT SHALL WE, NOR OUR DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICES (I) FOR ANY LOST PROFITS, DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, COMPENSATORY OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (HOWEVER ARISING), (II) FOR ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE (REGARDLESS OF THE SOURCE OF ORIGINATION), OR (III) FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) OF THE GREATER OF (A) FEES PAID TO US FOR THE PARTICULAR SERVICES DURING THE IMMEDIATELY
These findings describe how your data is collected, processed, and shared. Pay attention to how your personal information is handled.
Not clearly stated: None
high95% confidence
Consent to Obtain and Share Personal Information
By registering for the Services, you expressly consent to Gabi using your personal information to obtain data on you from third-party databases, including credit agencies and motor vehicle departments. You also authorize Gabi to share your information with their aggregator and third-party marketing partners, who may obtain information from your credit profile.
Why it matters: Gabi can access your personal data from various third-party databases and share it with marketing partners, potentially affecting your credit profile and leading to unsolicited offers.
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 5 · Citation strength: strong
Cancellation & Renewal
Not clearly stated
These findings detail the terms related to service cancellation and renewal. Understanding these terms is crucial for managing your subscriptions and avoiding unwanted charges.
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Not clearly stated
No cited billing terms — wording is unclear
None
Gotchas
Not clearly stated
These findings highlight less obvious but potentially impactful clauses that might be easily overlooked. They often contain conditions or restrictions that could affect your rights or service usage.
?
Not clearly stated
No cited gotchas — wording is unclear
None
Protections
2 findings
These findings highlight clauses that offer explicit benefits or protections to the user, enhancing their rights or security.
Not clearly stated: None
Protection95% confidence
Ability to Delete 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: You have the option to delete your account, providing control over your personal data and service usage.
You shall have the ability to delete your Account, either directly or through a request made to one of our employees or affiliates.
Gabi Personal Insurance Agency, Inc. Terms of Service, paragraph 5 · Citation strength: strong
Protection95% confidence
Right to Unsubscribe from Promotional SMS
You can unsubscribe from receiving promotional text messages at any time.
Why it helps: You have control over receiving promotional text messages and can opt-out at any time.
You can unsubscribe from receiving promotional text messages at any time.
Content, paragraph 13 · Citation strength: strong
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