Privacy Policy

Effective Date: November 15, 2025
 Last Modified: November 15, 2025

This Privacy Policy explains how N.T. Vincent Insurance, Inc. collects, uses, discloses, and protects personal information through this website and through our communication channels including SMS text messaging and Dialpad powered communication systems. By using this Site, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

  • Personal information such as your name, address, email, and phone number
  • Insurance related information required to provide quotes or service policies
  • Communication information including call logs, voicemail recordings, and text message content
  • Technical data such as IP address, browser type, and device information
  • Information submitted through forms, quote requests, claims requests, or service inquiries

We collect information when you submit it, when you communicate with us, or when it is generated through normal operation of our communication tools including our Dialpad phone and messaging system.

2. How We Use Information

We use collected information to:

  • Provide insurance quotes and services
  • Communicate with you by phone, email, SMS, or voicemail
  • Maintain records of your requests, policy changes, and account communications
  • Send appointment reminders, renewal notices, billing updates, and service messages
  • Improve our website, service process, and customer experience
  • Detect fraud, verify identity, and comply with insurance regulations

We do not sell your information.

3. SMS Text Messaging and Call Communication

Our phone and messaging system is powered by Dialpad. If you opt in to receive SMS text messages from N.T. Vincent Insurance, this section applies to you.

3.1 Consent to Receive Text Messages

You provide consent when you:

  • Submit your phone number along with an explicit request for communication
  • Check an opt in box on a form
  • Request information by text
  • Provide your number to an agent and ask for updates or quotes by text

By opting in, you confirm you are the owner or authorized user of that mobile number and consent to receive messages from N.T. Vincent Insurance.

3.2 Types of Messages You May Receive

Messages may include:

  • Quotes and coverage information
  • Renewal notifications
  • Billing or payment reminders
  • Appointment reminders
  • Policy service updates
  • Important account notices

3.3 Message Frequency

Message frequency varies based on your interaction with our staff and your insurance needs. You will not receive excessive or harassing messages. We follow federal and Florida Mini TCPA communication guidelines and industry standards for responsible text frequency.

3.4 Opt Out Instructions

You may opt out of receiving texts at any time by replying:

STOP

We also honor END, CANCEL, UNSUBSCRIBE, and QUIT.

Once you opt out, you may receive a confirmation message. After that, no further nonessential messages will be sent to that number.

3.5 Charges

Standard message and data rates from your mobile carrier may apply.

3.6 Delivery and Carrier Limitations

Carrier networks may delay or fail to deliver messages. N.T. Vincent Insurance is not responsible for delays or failures in message delivery.

3.7 Not for Emergency Communications

Text messages are not intended for reporting claims, emergencies, or urgent coverage issues. For emergencies call 911. For time sensitive insurance matters contact us through the methods listed on our Contact page.

4. Voicemail, Call Logs, and Recording Notice

Our business phone system may create call logs or retain voicemail recordings so we can respond to your inquiries and maintain accurate records. Voicemail messages left on our main line or department lines may be accessible to authorized staff within N.T. Vincent Insurance.

5. Sharing of Information

We may share information with:

  • Insurance carriers for quotes, underwriting, and policy servicing
  • Third party service providers who support communication, data storage, or website functionality
  • Regulatory agencies when required by law
  • Law enforcement when legally required

We do not sell or rent personal information.

6. Data Security

We use reasonable administrative and technical safeguards to protect personal information. No system is guaranteed entirely secure. We encourage you not to send sensitive personal data by unsecured messaging methods.

7. Children

This Site is not intended for individuals under the age of thirteen. We do not knowingly collect information from children.

8. Changes to This Privacy Policy

We may update this Privacy Policy at any time. Updates will be posted with a new Last Modified date. Continued use of the Site means you accept the updated terms.

9. Contact Us

For questions about this Privacy Policy, please contact us using the information provided on our Contact page.