Terms and Conditions

Welcome to Cardinal Agency. These Terms and Conditions outline the rules and regulations for the use of our website, located at cardinalagencyfl.com.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use Cardinal Agency if you do not agree to take all of the terms and conditions stated on this page.

1. Definitions

  • "Company", "Ourselves", "We", "Our" and "Us" refers to Cardinal Agency, operating in Florida.

  • "Party", "Parties", or "Us" refers to both the Client and ourselves.

  • "You" and "Your" refers to you, the person logged on to this website and compliant with the Company’s terms and conditions.

2. Services Provided & Third-Party Carrier Disclaimer

Cardinal Agency is an independent Florida-based insurance agency providing information and connecting users with various third-party insurance carrier policies, including Personal Auto, Homeowners Insurance, and Pet Insurance.

  • No Professional Advice: The information on this website is for general informational purposes only and does not constitute binding professional insurance, financial, or legal advice.

  • Independent Third-Party Carrier Disclaimer: Cardinal Agency is a broker/agency and does not directly underwrite, issue, or administer insurance policies. All quotes, coverages, policy terms, and claims decisions are handled exclusively by the respective third-party insurance carriers. Your purchase of an insurance policy binds you to the specific terms, conditions, exclusions, and limitations of that third-party carrier, not Cardinal Agency. We do not guarantee that any quote provided is an final offer of insurance.

3. SMS and Text Messaging Terms

By providing your phone number to Cardinal Agency through online forms, chat features, or other quote requests, you expressly consent to receive non-marketing and marketing text messages (e.g., policy updates, quote reminders, and promotional offers) from us.

  • Consent: Your consent to receive SMS messages is not a condition of purchasing any goods or services.

  • Frequency: Message frequency varies based on your interactions and policy needs.

  • Opt-Out: You can unsubscribe from text messages at any time by replying STOP to any message you receive. After doing so, you will receive a single confirmation text, and no further messages will be sent unless you re-subscribe.

  • Support: For help, reply HELP to any message or contact our office directly.

  • Carrier Charges: Message and data rates may apply from your wireless provider. Cardinal Agency is not responsible for any delays or failures in the receipt of any SMS messages.

4. Intellectual Property Rights

Unless otherwise stated, Cardinal Agency owns the intellectual property rights for all material on this website. All intellectual property rights are reserved. You may access this from Cardinal Agency for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

  • Republish material from cardinalagencyfl.com

  • Sell, rent, or sub-license material from this website

  • Reproduce, duplicate, or copy material from this website

  • Redistribute content from Cardinal Agency

5. User Responsibilities & Acceptable Use

By using our site, you agree to provide accurate, current, and complete information when requesting quotes or contacting us. You are prohibited from using the site to:

  • Engage in any fraudulent activity or misrepresent your identity.

  • Introduce any viruses, trojans, worms, or other malicious software.

  • Use the site in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website.

6. Limitation of Liability

In no event shall Cardinal Agency, nor any of its officers, directors, and employees, be held liable for anything arising out of or in any way connected with your use of this website, whether such liability is under contract. Cardinal Agency, including its officers, directors, and employees, shall not be held liable for any indirect, consequential, or special liability arising out of or in any way relating to your use of this website.

We do not guarantee that the information on this website is correct, complete, or up to date. We do not warrant that the website will remain available or that the material on the website is kept updated.

7. Privacy and Data Collection

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal and financial information.

8. Governing Law

These Terms and Conditions will be governed by and interpreted in accordance with the laws of the State of Florida, and you submit to the non-exclusive jurisdiction of the state and federal courts located in Florida for the resolution of any disputes.

9. Changes to These Terms

Cardinal Agency reserves the right to revise these terms at any time as it sees fit. By using this website, you are expected to review these terms on a regular basis to ensure you understand all terms and conditions governing the use of this website.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact us via the options provided on our website at cardinalagencyfl.com.