Welcome to the Rodney Insurance website. By accessing or using this website, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, do not use this website. You must be at least 18 years of age to use our services and to consent to receive SMS text messages from Rodney Insurance Agency. By using our services and opting in to receive SMS messages, you confirm that you are at least 18 years old.

1. About Us

Rodney Insurance is a licensed independent insurance broker in the State of New York. We help individuals and businesses find appropriate insurance coverage through our network of insurance carriers. We are regulated by the New York State Department of Financial Services (NYDFS).

2. Website Purpose

This website is provided for informational purposes and to facilitate contact between prospective clients and our licensed insurance agents. The website, including its chatbot and forms, is designed to collect preliminary information to help us serve you.

3. No Insurance Advice

Nothing on this website constitutes insurance advice, an offer of coverage, or a binding agreement. Information provided on this website, including through our AI chatbot, is general in nature and should not be relied upon as a substitute for consultation with a licensed insurance professional. Coverage is not bound or effective until confirmed in writing by an authorized insurance carrier.

4. AI Chatbot

Our website features an AI-powered chatbot that can answer general questions, collect your information, and route you to a licensed agent. You acknowledge that:

•       The chatbot is an automated system and not a licensed insurance agent

•       Responses from the chatbot are informational only and do not constitute professional advice

•       The chatbot may make errors or provide incomplete information

•       All conversations with the chatbot are recorded and stored

•       Insurance decisions, quotes, and coverage are provided only by our licensed agents

5. Accuracy of Information You Provide

You agree to provide accurate, current, and complete information when using our forms, chatbot, or other contact methods. Providing false or misleading information may result in inaccurate quotes, denial of coverage, or cancellation of policies.

6. Quotes and Pricing

Any quote or estimate provided through this website or by our agents is preliminary and subject to change based on underwriting review, verification of information, and carrier approval. A quote is not a guarantee of coverage or pricing.

7. Communications Consent

By submitting your contact information through this website, you consent to being contacted by our team via phone, email, and SMS regarding your inquiry and related insurance products. Standard message and data rates may apply for SMS. See our Privacy Policy for opt-out instructions.

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of the website owner or its content providers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

9. Prohibited Uses

You agree not to:

•       Use this website for any unlawful purpose

•       Submit false, misleading, or fraudulent information

•       Attempt to gain unauthorized access to any part of the website or its systems

•       Use automated tools to scrape, crawl, or extract data from the website

•       Interfere with the website’s operation or other users’ experience

•       Submit spam or unsolicited communications through any website form

10. Third-Party Links

This website may contain links to third-party websites, including insurance carrier portals and payment platforms. We are not responsible for the content, privacy practices, or accuracy of third-party sites. Accessing third-party links is at your own risk.

11. Limitation of Liability

To the fullest extent permitted by law, this website and its content are provided “as is” without warranties of any kind. We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this website, reliance on information provided, or inability to access the website.

This limitation does not apply to liability arising from the professional services of our licensed insurance agents, which is governed by applicable New York insurance regulations and our errors and omissions coverage.

12. Indemnification

You agree to indemnify and hold harmless the website owner, its agents, and service providers from any claims, damages, or expenses arising from your use of this website or violation of these Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Suffolk County, New York.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes take effect immediately upon posting. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms.

15. SMS Messaging Services
Rodney Insurance Agency provides SMS messaging services to individuals who have opted in to receive text messages. By signing up for text messages, you agree to the following terms:

Message Types: You may receive informational messages including appointment reminders, quote follow-ups, policy-related notifications, and promotional offers from Rodney Insurance Agency at the phone number provided.

Message Frequency: Message frequency varies. Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Opt-Out Instructions: You can cancel the SMS service at any time. Just text "STOP" to the number from which you received the message. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

Help and Support: If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at (631) 951-2038.

Carrier Liability: Carriers are not liable for delayed or undelivered messages.

No Sharing of Mobile Information: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Privacy: If you have any questions regarding privacy, please read our privacy policy: https://site.rodneyinsagency.com/privacy-policy

16. Contact

For questions about these Terms, contact us at 631-951-2038.