Terms & Conditions

Last Updated: 03/01/2026

These Terms and Conditions govern your access to and use of the website operated by Protected With Love (“we,” “us,” or “our”), including all content, features, forms, and services made available through the website (the “Website”).

By accessing or using this Website, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, you must not access or use the Website.

1. Acceptance of Terms

By using this Website, you acknowledge that you have read, understood, and agree to these Terms and Conditions. These Terms apply to all visitors, users, and others who access the Website.

2. Age Requirement

This Website is intended for individuals who are at least eighteen (18) years old. By using the Website or submitting any information, you represent and warrant that you are at least 18 years of age.

We do not knowingly collect information from individuals under 18.

3. Changes to Terms

We may revise these Terms and Conditions at any time in our sole discretion. Changes are effective immediately upon posting. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

4. Website Use and Availability

We reserve the right to modify, suspend, or discontinue the Website or any portion of it at any time without notice. We are not liable if all or any part of the Website is unavailable for any period of time.

You are responsible for ensuring that your access to the Website complies with applicable laws and regulations.

5. Intended Use of Website

The Website is provided for informational and general consumer use only. It is intended to provide general information about insurance products and services and to allow users to request quotes, schedule appointments, or submit inquiries.

The Website does not provide legal, tax, or financial advice. Insurance coverage availability, pricing, and benefits are subject to carrier underwriting guidelines and policy terms.

6. No Guarantee of Coverage or Results

Submission of information through the Website does not guarantee approval, coverage, pricing, or issuance of any insurance policy. All insurance decisions are made by the issuing insurance carrier.

We do not guarantee any specific financial outcome, policy performance, or benefit.

7. SMS & Electronic Communications

By providing your phone number through the Website, you consent to receive text messages related to appointment reminders, policy updates, follow-up communications, and customer service notifications.

Message frequency may vary. Message and data rates may apply depending on your mobile carrier plan.

You may opt out of receiving text messages at any time by replying STOP to any message. After opting out, you will receive a confirmation message and will no longer receive further text communications unless you re-enroll.

For assistance, reply HELP or contact us using the information provided below.

Carrier Liability Disclaimer:
Mobile carriers are not liable for delayed or undelivered messages.

8. Intellectual Property

All content on the Website, including text, graphics, logos, images, videos, layout, and design, is owned by or licensed to Protected With Love and is protected by intellectual property laws.

You may use the Website for personal, non-commercial purposes only. You may not reproduce, distribute, modify, republish, or exploit any Website content without prior written consent.

9. Prohibited Uses

You agree not to use the Website:

In any way that violates applicable laws or regulations

To submit false, misleading, or fraudulent information

To impersonate another person or entity

To interfere with the operation or security of the Website

To attempt unauthorized access to systems or data

To transmit harmful code, malware, or spam

We reserve the right to restrict or terminate access for violations of these Terms.

10. Reliance on Information

Information on the Website is provided for general informational purposes only. We make no representations regarding the accuracy, completeness, or timeliness of Website content.

Any reliance on Website information is at your own risk.

11. Privacy

All information collected through the Website is governed by our Privacy Policy. By using the Website, you consent to the collection and use of information as described in that policy.

12. Geographic Restrictions

The Website is intended for use by individuals located in the United States. We make no representation that the Website or its content is appropriate or available outside the United States.

13. Disclaimer of Warranties

The Website and all content and services are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.

We disclaim all warranties, including but not limited to warranties of accuracy, reliability, merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Website will be uninterrupted, error-free, or free of harmful components.

14. Limitation of Liability

To the fullest extent permitted by law, Protected With Love shall not be liable for any damages arising out of or related to your use of or inability to use the Website, including indirect, incidental, consequential, or punitive damages. This includes but is not limited to loss of data, loss of business, loss of profits, or personal injury.

15. Indemnification

You agree to indemnify and hold harmless Protected With Love from any claims, damages, losses, or expenses arising out of your use of the Website or violation of these Terms.

16. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the State of Florida, without regard to conflict of law principles. Any legal action arising from these Terms or the Website shall be brought exclusively in the state or federal courts located in Florida.

17. Limitation on Time to File Claims

Any claim arising out of or related to these Terms or the Website must be filed within one year of the date the claim arose, or it is permanently barred.

18. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

19. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Protected With Love regarding the Website and supersede all prior agreements or understandings.

20. Contact Information & Customer Support

If you have questions about these Terms and Conditions, need assistance, or require customer support, contact:

Protected With Love
Email: [email protected]
Phone: (954) 231-3457

Customer support is available during standard business hours.

21. Insurance Disclosure

Protected With Love is a licensed insurance professional. Insurance products are subject to underwriting approval and policy terms. Guarantees are backed solely by the issuing insurance carrier. Protected With Love does not assume liability for carrier performance, financial strength, or claims decisions.