Terms & Conditions

Effective Date: [25/10/2025]
Last Updated: [25/10/2025]

Welcome to Fullone Family Insurance. These Terms and Conditions (the “Terms”) govern your access to and use of https://fullonefamilyinsurance.com and any services provided by Fullone Family Insurance (“we”, “us”, or “our”).

1. Acceptance of Terms

By accessing or using our Site or Services you agree to these Terms. If you do not agree, do not use our Site or Services.

2. Definitions

• “Service” means our insurance product offerings, website features, content, and services provided via the Site.

• “User”, “You”, “Your” refers to any person who accesses or uses the Site.

3. Use of Site & Accounts

You may need to create an account to access certain features. Keep your account credentials secure. You are responsible for any activity under your account. You agree to provide accurate information and update it as necessary.

4. Eligibility

You must be of legal age to form a binding contract in your jurisdiction to use the Site. By using the Site you represent that you meet that requirement.

5. Intellectual Property

All content on the Site (text, images, logos, code) is the property of Fullone Family Insurance or licensed to us. You may not reproduce, distribute, or create derivative works without our permission.

6. Product, Pricing & Quotes

Insurance quotes provided on the Site are estimates and may change. Final pricing is subject to underwriting and policy terms. We reserve the right to correct pricing errors.

7. Disclaimers and Limitation of Liability

• The Site and Services are provided “as-is” without warranties of any kind.

• We do not guarantee that the Site is error-free, uninterrupted, or free of harmful components.

• To the maximum extent permitted by law, Fullone Family Insurance and its affiliates, partners and suppliers shall not be liable for indirect, incidental, special or consequential damages arising from use of the Site or Services.

8. Governing Law and Dispute Resolution

These Terms are governed by the laws without regard to conflict of law provisions. Any disputes shall be resolved in the applicable courts of the respective jurisdiction.

9. Termination

We may suspend or terminate access to the Site or Services at our discretion, with or without notice, for any reason including breach of these Terms.

10. Privacy Policy

Our Privacy Policy explains how we collect and use personal information. By using the Site, you also agree to the Privacy Policy at: https://fullonefamilyinsurance.com/privacy-policy/

11. Mobile Messaging Terms and Conditions

[Fullone Family Insurance] (“[Fullone Family Insurance]”, “we”, or “us”) operates a mobile messaging program (the “Program”) subject to these Mobile Messaging Terms and Conditions (the “Mobile Messaging Terms”). The Program and our collection and use of your personal information is also subject to our Privacy Policy at https://fullonefamilyinsurance.com/privacy-policy/. By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree to these Mobile Messaging Terms and our Privacy Policy.

1. Program Description: We may send promotional and transactional mobile messages in various formats through the Program. Promotional messages advertise and promote our products and services and may include promotions, specials, other marketing offers, and abandoned checkout reminders. Transactional messages relate to an existing or ongoing transaction and may include order notifications and updates, appointment reminders, and other transaction-related information. Mobile messages may be sent using an automated technology, including an autodialer, automated system, or automatic telephone dialing system. Message frequency will vary but will not exceed 5 messages in 1 day. You agree that we may send you messages regarding the foregoing topics or any topic and that such messages and/or calls may be made or placed using different telephone numbers or short codes. We do not charge for mobile messages sent through the Program but you are responsible for any message and data rates imposed by your mobile provider, as standard data and message rates may apply for SMS and MMS alerts.

2. User Opt-In: By providing your mobile phone number to us, you are voluntarily opting into the Program and you agree to receive recurring mobile messages from us at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal “Do Not Call” list. You agree that any mobile phone number you provide to us is a valid mobile phone number of which you are the owner or authorized user. If you change your mobile phone number or are no longer the owner or authorized user of the mobile phone number, you agree to promptly notify us at [email protected]. Your participation in the Program is not required to make any purchase from us and your participation in the Program is completely voluntary.

3. User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to optout of the Program and stop receiving mobile messages from us, or you no longer agree to these Mobile Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT, and/or UNSUBSCRIBE to any mobile message from us. You may continue to receive text messages for a short period while we process your request and you may receive a one-time opt-out confirmation message. You understand and agree that the foregoing is the only reasonable method of opting out. For support, reply HELP to any mobile message from us. Our mobile messaging platform may not recognize requests that modify the foregoing commands, and you agree that we and our service providers will not be liable for failing to honor requests that do not comply with the requirements in these Mobile Messaging Terms. We may also change the telephone number or short code we use to operate the Program and we will notify you of any such change. You acknowledge that any requests sent to a telephone number or short code that has been changed may not be received by us and we will not be responsible for failing to honor a request sent to a telephone number or short code that has been changed.

4. Disclaimer of Warranty and Liability: The Program is offered on an “as-is” basis and may not be available in all areas, at all times, or on all mobile providers. You agree that neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message or information sent through the Program.

5. Modifications: We may modify or cancel the Program or any of its features at any time, with or without notice. To the extent permitted by applicable law, we may also modify these Mobile Messaging Terms at any time. Any such modification will take effect when it is posted to our website. You agree to review these Mobile Messaging Terms periodically to ensure that you are aware of any modifications. Your continued participation in the Program will constitute your acceptance of those modifications.

12. Contact & Support

If you have questions about these Terms or the Service, contact us:

• Email: [email protected] 

• Phone: (239) 445-4761 

• Website contact page: https://fullonefamilyinsurance.com/contact-us

13. Changes to Terms

We may update these Terms. We will post the revised Terms on the Site with a new Effective Date. Continued use of the Site constitutes acceptance of the revised Terms.