Authorization of Use
VRP Insurance Agency hereby authorizes any person to access this Website for informational purposes only. VRP Insurance Agency reserves the right to terminate access to this Website at any time without notice. The data, information and material included in this Website is copyrighted by VRP Insurance Agency. All rights are reserved under the copyright laws of the United States of America. No part of this Website can be redistributed, copied or reproduced without the prior written consent of VRP Insurance Agency.
No Warranties
The user of this Website assumes all responsibility and risk for the use of this Website and the Internet generally. VRP Insurance Agency, and its affiliated companies disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or noninfringement. VRP Insurance Agency and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Website without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Website. No advice or information given by VRP Insurance Agency or its affiliated companies shall create any warranty. Neither VRP Insurance Agency nor its affiliated companies warrants that the data, information and material included in the Website or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this Website is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state to state. The product descriptions are general in nature and the insurance coverages are subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us for additional information.
Disclaimer of Liability
In no event shall VRP Insurance Agency or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this Website or on the Internet generally or on any other basis.
Disclaimer for Links
Although this site includes links providing direct access to other Internet sites, VRP Insurance Agency and its affiliated companies take no responsibility for the content or information contained on those other sites, and does not exert any editorial or other control over those other sites.
SMS Communications Privacy and Terms of Service
SMS Information Collection
VRP Insurance collects and stores the phone numbers of individuals who opt in to receive SMS messages. Additional information such as message history and interaction data may also be recorded for service improvement and compliance purposes. SMS consent is not shared with third parties. No mobile opt-in data will be shared with third parties.
SMS Use of Information
Your phone number and SMS-related information is used solely to send SMS messages that you have consented to receive. We do not sell, share, or distribute your SMS consent or personal information to third parties for marketing purposes. Information obtained as part of the SMS consent process will not be shared with third parties or affiliates for marketing purposes.
SMS Data Security
We implement reasonable security measures to protect your SMS data from unauthorized access, disclosure, or misuse. However, no transmission over mobile networks can be guaranteed to be completely secure.
Terms of Service for SMS Communications and Consent
By providing your phone number to VRP Insurance, you agree and acknowledge that VRP Insurance may send account notifications, customer care, and marketing text messages to your wireless phone number for updates related to:
- Customer care services
- Account notifications
- Marketing services related to insurance products
If you have consented to receive account notifications, customer care, or marketing text messages from VRP Insurance, you may receive messages related to our insurance services.
About Our SMS Services
We use SMS to communicate with clients regarding:
- Policy reminders and renewal notifications
- Payment reminders and account updates
- Claims updates and assistance
- Coverage information and policy changes
- New insurance products and special offers
SMS Use Cases
Account Notifications: We reach out to clients with account notifications regarding policy renewals, payment reminders, coverage changes, and important account updates.
Customer Care: As part of our commitment to customer care, we assist clients with policy questions, claims assistance, coverage reviews, and respond to inquiries about their insurance needs.
Marketing: As part of our marketing outreach, we share information about available coverage options, policy discounts, seasonal insurance tips, and programs that may benefit our clients’ protection and financial security.
Example SMS Messages
Account Notification Example: Good morning Sarah, this is VRP Insurance. We are reaching out about an account notification regarding your policy renewal coming up next month. Please contact us to review your coverage options. Reply STOP to opt out of SMS messaging.
Customer Care Example: Hi Sarah, this is VRP Insurance. We wanted to check in to see if you have any questions about your current coverage or if there have been any changes in your insurance needs. Is there anything we can help address? Reply STOP to opt out of SMS messaging.
Marketing Example: Hi Sarah, this is VRP Insurance. Thank you for trusting us with your insurance needs! We wanted to let you know about new multi-policy discount opportunities that may help you save on your coverage. Would you like more information? Reply STOP to opt out of SMS messaging.
SMS Standard Messaging Disclosures
- Message and Data Rates May Apply: Your mobile carrier’s standard messaging and data rates will apply to all SMS communications.
- Message Frequency: SMS frequency will vary depending on the type of communication (up to 1,000 messages daily company-wide). Message frequency may vary based on your policy needs and account activity.
- Opt-Out Instructions: You can opt out at any time by texting STOP to any message from VRP Insurance.
- Opt-In Instructions: To opt back in to receive text messages, reply START.
- Help and Support: For assistance, text HELP or visit our Privacy Policy and SMS Terms and Conditions at [website URL].
- Additional Information: For more information about our privacy practices and terms of use, please visit our Privacy Policy and Terms of Use.
Electronic Communications
VRP Insurance Agency will not be deemed to have accepted any electronic communication unless VRP Insurance Agency provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If VRP Insurance Agency sends any electronic communication, VRP Insurance Agency will assume the communication was received intact by the intended recipient. The recipient of such message must notify VRP Insurance Agency if the transmission was not received or was not received in a readable format.
Security
Despite the security measures taken by VRP Insurance Agency, there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and VRP Insurance Agency disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may mail the information to VRP Insurance Agency.
Privacy Statement
VRP Insurance Agency is committed to protecting your privacy as a visitor to this Website and as our customer. To our visitors and to our customers, we offer this pledge:
VRP Insurance Agency is the owner of the information, which is collected on this Website. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.
Information Collection
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Website. When you enroll for an insurance policy at VRP Insurance Agency, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of VRP Insurance Agency, so we can provide you with policyholder service. The employees of VRP Insurance Agency are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.
When you purchase an insurance policy from VRP Insurance Agency, you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.
When you send us e-mail from this Website, you will provide us with certain personally identifiable information including your e-mail address.
Cookies
A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiting this Website. We may utilize a short-lived form of cookie when you visit this site. At VRP Insurance Agency, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our Website for more than 20 minutes. Should a previous visitor to our Website return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.
Third-Party Links
This Website may contain links to third-party Websites that are not controlled by VRP Insurance Agency. These third-party links are made available to you as a convenience and you agree to use these links at your own risk.
Please be aware that VRP Insurance Agency is not responsible for the content of third-party Websites linked to VRP Insurance Agency nor are we responsible for the privacy policy or practices of third-party Websites linked to VRP Insurance Agency. Our Privacy Policy only applies to information we collect from you while you are actively in a connection with VRP Insurance Agency. If you should link to a third-party Website from VRP Insurance Agency, we strongly encourage you to review and become familiar with that Website’s privacy policy.
Changes In Our Privacy Policy
We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes. If you have any questions about our privacy policy, please feel free to contact us.
Copyright
The VRP Insurance Agency logo, and other marks, including the names of various products and services described within and offered by companies represented by VRP Insurance Agency and its subsidiaries are service marks of these companies.
Permission to use, copy and distribute these materials without fee is hereby granted, for non-commercial purposes, provided that the material is unaltered and VRP Insurance Agency copyright notice appears in all copies.
Use of this site shall be governed by and construed in accordance with the laws of our state of business, without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in our state of business.
Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.