Terms & Conditions

1. Acceptance of Terms

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to comply with these Terms and Conditions. If you do not agree with these terms, please do not use our website.

2. Insurance Information Disclaimer

The information provided on this website is for general informational purposes only and is not intended to constitute insurance, legal, financial, or professional advice.

Insurance coverage, rates, premiums, eligibility, and policy terms vary by carrier, state, and individual circumstances. Coverage descriptions on this website are summaries only and do not amend, alter, or replace the terms and conditions of any insurance policy.

The actual insurance policy issued by the insurance carrier will determine coverage, exclusions, limitations, and conditions.

3. No Guarantee of Coverage or Rates

Submitting information through our website, requesting a quote, or speaking with a representative does not guarantee:

• Insurance coverage approval
• Specific rates or premiums
• Eligibility for insurance products
• Policy issuance
• Coverage continuation or renewal

All insurance applications are subject to underwriting approval by the applicable insurance carrier.

4. Quote Requests

Any quote provided through our website, email, text message, phone call, or other communication is an estimate based on the information available at the time.

Final premiums and coverage may differ based on underwriting review, inspections, loss history reports, credit information (where permitted by law), and other carrier requirements.

5. Client Responsibilities

You agree to provide accurate, complete, and current information when requesting quotes, applying for coverage, or communicating with our agency.

Failure to provide accurate information may result in:

• Coverage denial
• Policy cancellation
• Premium adjustments
• Claim denial

6. Electronic Communications

By submitting your contact information through our website, you consent to receive communications from Paradise Protection Insurance Agency by:

• Telephone
• Email
• SMS/text message
• Automated appointment reminders
• Marketing communications (where permitted by law)

You may opt out of marketing communications at any time.

7. Privacy

Your use of this website is also governed by our Privacy Policy. We are committed to protecting your personal information and handling it in accordance with applicable privacy laws.

8. Intellectual Property

All content on this website, including text, graphics, logos, images, designs, videos, and other materials, is the property of Paradise Protection Insurance Agency or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, or use any content from this website without prior written consent.

9. Third-Party Links

This website may contain links to third-party websites for your convenience. We do not control, endorse, or assume responsibility for the content, privacy practices, or services offered by third-party websites.

Accessing third-party websites is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, Paradise Protection Insurance Agency shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Use of this website
• Inability to access the website
• Reliance on website content
• Errors or omissions in information
• Delays in service
• Third-party actions or websites

11. Website Availability

We reserve the right to modify, suspend, discontinue, or restrict access to any portion of this website at any time without notice.

We do not guarantee uninterrupted or error-free operation of the website.

12. Indemnification

You agree to indemnify and hold harmless Paradise Protection Insurance Agency, its owners, employees, agents, and affiliates from any claims, liabilities, damages, costs, or expenses arising from your use of the website or violation of these Terms and Conditions.

13. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

Any disputes arising from these Terms and Conditions shall be resolved in the appropriate state or federal courts located in Florida.

14. Changes to These Terms

We reserve the right to update or modify these Terms and Conditions at any time. Changes will become effective immediately upon posting to this website.

Your continued use of the website after any updates constitutes acceptance of the revised Terms.

15. Contact Information

If you have any questions regarding these Terms and Conditions, please contact:

Paradise Protection Insurance Agency
Email: mrivas@paradiseprotectionagency.com
Phone: 239-387-2899
Website: paradiseprotectionagency.com