These Terms & Conditions ("Terms") apply to your use of the website at YourInsPro.com (the "Site") and to our text messaging program. The Site and program are operated by Your Insurance Pro LLC, doing business as Your Insurance Pro ("Your Insurance Pro," "we," "us"). By using the Site or enrolling in our text messaging program, you agree to these Terms. If you do not agree, please do not use the Site or enroll.
1. Text Messaging Program
Program name: Your Insurance Pro Text Messaging
Program description: We send text messages to enrolled customers and prospects about their insurance, such as policy renewal and payment reminders, requests for documents or information, quote and application follow-ups, claims and service updates, and replies to questions you send us. We do not send marketing or promotional messages through this program unless you separately agree to them in writing.
Message frequency: Message frequency varies depending on your account activity and requests. You may receive recurring messages.
Message and data rates may apply. Your mobile carrier may charge for messages and data according to your plan.
To opt out, reply STOP at any time. You will receive one confirmation message and then no more texts from us in this program. For help, reply HELP or contact us using the information below.
Customer support: call (904) 567-3776 or email Quotes@YourInsPro.com.
Privacy: see our Privacy Policy. We do not share, sell, or rent your mobile number or text-messaging opt-in consent to third parties or affiliates for marketing or promotional purposes.
How you opt in
You enroll by giving us your mobile number and agreeing to receive text messages from Your Insurance Pro, for example by checking a consent box on a form, by signing a written agreement, or by telling us you agree and having us record that consent. Consent to receive texts is not a condition of buying any insurance product or service.
Opting out and getting help
Reply STOP to any message to unsubscribe. You can also reply STOP variants such as CANCEL, END, QUIT, or UNSUBSCRIBE. Reply HELP to get help, or contact us at the phone number or email above. If you opt out, we may still contact you by phone or email about your insurance as allowed by law.
Carriers and delivery
Text messaging is provided over mobile carrier networks. Carriers are not liable for delayed or undelivered messages, and neither are we. Delivery is not guaranteed, and some messages may be delayed or blocked. Supported carriers may change over time. Please do not rely on text messages for anything urgent or time-sensitive, such as reporting an emergency claim; call us instead.
Changing your number
If you change or give up your mobile number, please tell us so we stop texting the old number and so messages do not reach someone else.
2. Information on this Site
The Site provides general information about insurance and about our agency. It is not an offer of insurance, a quote, a binder, or legal, tax, or financial advice. Coverage is not in effect until a licensed agent and the insurance carrier confirm it in writing, and all coverage is subject to the terms, conditions, limits, and exclusions of the policy. Quotes depend on information you provide and on underwriting by the carrier.
3. Licensing
Your Insurance Pro is licensed as an insurance agent in Florida (FL W481824), Connecticut (18767602), Georgia (3456369), Louisiana (1023177), Mississippi (10864102), and Virginia (1350433). We can discuss and sell insurance only in states where we are licensed, and not all products are available in every state.
4. Your Responsibilities
When you give us information, it must be accurate and complete. You agree not to misuse the Site, attempt to break or overload it, or use it for unlawful purposes. Please do not send us full payment card numbers, Social Security numbers, or other highly sensitive details by email or text; we will tell you the secure way to share them.
5. Intellectual Property
The Site's text, logo, design, and images belong to Your Insurance Pro or its licensors. You may view and print pages for your personal use but may not copy, modify, or reuse them commercially without our written permission.
6. Third-Party Links and Services
The Site may link to websites or portals run by insurance carriers or other companies. We do not control them and are not responsible for their content or practices. Text messages are sent using service providers (such as our agency-management software and messaging provider), which act on our behalf.
7. Disclaimers and Limitation of Liability
The Site and our text messaging are provided "as is" and "as available," without warranties of any kind, to the fullest extent allowed by law. To the fullest extent allowed by law, Your Insurance Pro will not be liable for indirect, incidental, special, or consequential damages arising from your use of the Site or the text program, including delayed or undelivered messages. Nothing in these Terms limits liability that cannot be limited by law or any rights you have under an insurance policy or insurance law.
8. Changes
We may update these Terms from time to time. The effective date above shows when they last changed. If we make a material change to the text messaging program, we will give notice as required by law. Continuing to use the Site or program after a change means you accept the updated Terms.
9. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules, and any dispute will be handled in the state or federal courts located in Florida, except where the law requires otherwise.
10. Contact Us
Your Insurance Pro
Phone: (904) 567-3776
Email: Quotes@YourInsPro.com
Website: YourInsPro.com