Terms of Use

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

Welcome to affordablefloridainsurance.com, the official website of N.T. Vincent Insurance, Inc. By accessing or using this Site, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree to these Terms, do not use the Site.

1. Website Access and Permitted Use

You may use this Site only for lawful purposes related to researching, requesting, or purchasing insurance products or services from N.T. Vincent Insurance.

You agree that you will not:

  • Misrepresent your identity or affiliation
  • Use the Site to transmit spam, malware, or any illegal content
  • Attempt to gain unauthorized access to the Site or any systems
  • Interfere with or disrupt the operation of the Site or any related networks

We may suspend or terminate your access to the Site at any time if we believe you have violated these Terms or any applicable law.

2. No Legal, Financial, or Coverage Advice

Content on this Site is for informational purposes only. Nothing on this Site creates legal, financial, or professional advice. Insurance coverage changes including new policies, cancellations, reductions, or increases are not binding until confirmed by a licensed agent and reflected in a policy document or written confirmation from N.T. Vincent Insurance.

3. SMS Text Messaging Program

We may offer the option to receive text messages related to our services. This may include:

  • Quotes or follow ups
  • Policy information, renewals, and servicing updates
  • Appointment and payment reminders
  • Service announcements or offers when permitted

3.1 How You Consent

You may choose to receive text messages by:

  • Checking an opt in box on a form and submitting your mobile number
  • Requesting texts while speaking with our staff
  • Sending a text to a number we designate for communication

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

We do not use pre checked boxes for SMS consent. You must take a clear action to opt in.

3.2 Message Frequency and Charges

Message frequency varies based on your interactions with us.
Message and data rates may apply.
You are responsible for charges from your mobile carrier.

3.3 Opt Out Instructions

You may opt out at any time by replying:

STOP

We also honor the standard carrier recognized stop commands: END, CANCEL, UNSUBSCRIBE, and QUIT.

After opting out, you may receive a final confirmation message.

You may still receive phone calls or emails as required to service your policies.

3.4 Opt Back In

If you previously opted out and wish to resume messages, contact us to re enroll or reply START if supported by your carrier.

3.5 Not for Emergencies

SMS messages are not intended for reporting emergencies, injuries, claims, or urgent issues.
For emergencies, call 911.
For time sensitive claims or coverage questions, contact us using the methods listed on our Contact page.

3.6 Prohibited SMS Content

We will not send messages containing illegal, deceptive, or misleading material.
You agree not to send unlawful, abusive, or threatening replies to our messaging system.

3.7 Delivery Disclaimers

Wireless carriers are not responsible for delayed or undelivered messages.
Delivery may be affected by your carrier, device settings, or other factors outside our control.

We do not guarantee that every message will be delivered.

4. Florida Messaging Notice

N.T. Vincent Insurance follows Florida Mini TCPA guidelines and avoids excessive or harassing text frequency. We comply with state and federal requirements regarding consent and message limitations.

5. Intellectual Property

All content on this Site including text, logos, graphics, and images is owned by N.T. Vincent Insurance or its licensors. You may not reproduce or distribute content without prior written permission except for personal non commercial use allowed by law.

6. Third Party Links

This Site may link to third party websites. We are not responsible for their content, policies, or practices.

7. Disclaimers and Limitation of Liability

The Site and its content are provided as is and as available. We make no warranties about accuracy, completeness, reliability, or uninterrupted operation.

To the maximum extent allowed by law, we are not liable for indirect, incidental, consequential, or special damages arising from your use of the Site or any communications with us.

8. Changes to These Terms

We may update these Terms at any time. The Last Modified date indicates when changes were made. Continued use of the Site means you accept the updated Terms.

9. Contact Us

If you have questions about these Terms or our SMS program, visit our Contact page.