Privacy Policy & Terms and Conditions

VIP Care Insurance Agency & Financial Services LLC

VIP Care Insurance Agency & Financial Services LLC ('VIP Care Insurance Agency & Financial

Services LLC,' 'we,' 'our,' or 'us') is committed to protecting the privacy and security of the personal information entrusted to us. This Privacy Policy and Terms & Conditions describe how we collect, use, disclose, and safeguard your information when you visit our website, request insurance quotes, purchase insurance products, or otherwise interact with our services. By accessing or using our website, you acknowledge that you have read and agree to this Privacy Policy and Terms &Conditions.

1. Information We Collect

We may collect information you voluntarily provide, including your name, mailing address, email address, telephone number, date of birth, driver's license information, vehicle information, property information, insurance policy information, payment information (when applicable), and any other information necessary to provide insurance quotes or services. We may also automatically collect technical information such as your IP address, browser type, device information, operating system, website usage statistics, cookies, and similar technologies.

2. How We Use Your Information

We may use your information to provide insurance quotes, process applications, service policies, communicate with you, verify your identity, improve our services, comply with legal obligations, detect fraud, maintain security, and send service-related or legally permitted marketing communications.

3. Information Sharing

We do not sell your personal information. We may share information with insurance carriers, MGAs, wholesalers, underwriters, claims administrators, financial institutions, government agencies when required by law, and trusted service providers.

4. Cookies

Our website may use cookies and similar technologies to improve functionality, remember

preferences, analyze website traffic, and enhance your experience. You may disable cookies through your browser settings.

5. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no method of electronic transmission or storage is completely secure.

6. Data Retention

We retain personal information only as long as necessary to provide services, comply with legal obligations, resolve disputes, enforce agreements, and satisfy insurance recordkeeping requirements.

7. Your Privacy Rights

Depending on applicable law, you may have rights to access, correct, or request deletion of your personal information and to request information about how it is used.

8. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for their privacy or security practices.

9. Children's Privacy

Our website and services are intended for individuals who are legally able to obtain insurance products. We do not knowingly collect personal information directly from children under the age of 13.

10. SMS/Text Messaging Terms

If you provide your mobile number, you may receive text messages regarding insurance quotes, policy updates, billing reminders, appointments, and customer service. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out or HELP for assistance. Your mobile information will not be sold or shared for third-party marketing purposes.

11. Email Communications

By providing your email address, you consent to receive insurance-related communications. You may unsubscribe from marketing emails at any time.

12. Website Disclaimer

Information on this website is for general informational purposes only and does not constitute legal, financial, or insurance advice. Insurance coverage is not bound until confirmed in writing by the appropriate insurance carrier or authorized representative.

13. Limitation of Liability

To the fullest extent permitted by law, VIP Care Insurance Agency & Financial Services LLC shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from the use of this website.

14. Intellectual Property

All website content is the property of VIP Care Insurance Agency & Financial Services LLC unless otherwise noted and may not be reproduced without prior written permission.

15. Governing Law

These Terms and Conditions are governed by the laws of the State of Florida.

16. Changes to This Policy

We reserve the right to update this Privacy Policy & Terms and Conditions at any time. Continued use of the website constitutes acceptance of any revised version.

17. Contact Information

VIP Care Insurance Agency & Financial Services LLC

Phone: 305-724-8828

Phone: 305-724-8826

Email: info@vipcareins.com

Last Updated: July 14, 2026