Terms of Service

Effective Date: 7/30/2025

Welcome to the official website of D&M INSURANCE AGENCY LLC Dba Del Toro Insurance (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website at DaniaProtects.com (“Website”), as well as any communications you receive from us, including but not limited to SMS/text messaging.

By accessing or using the Website, you agree to comply with these Terms and our Privacy Policy at https://daniaprotects.com/privacypolicy . If you do not agree, please discontinue use of the Website immediately.

1. Use of Website

You may use this Website only for lawful purposes. You may not:

Republish, reproduce, duplicate, sell, rent, or license any content from the Website without written permission.

Engage in any activity that disrupts or interferes with Website functionality.

Use the Website for any unauthorized or illegal purpose.

We reserve the right to modify, suspend, or discontinue the Website or any part of it without notice or liability.

2. Intellectual Property

All content on the Website—including text, graphics, logos, and media—is the intellectual property of D&M INSURANCE AGENCY LLC Dba Del Toro Insurance or its licensors and is protected by applicable intellectual property laws. Unauthorized use is prohibited.

3. Cookies

This Website uses cookies to enhance the user experience. By using the Website, you consent to our use of cookies as described in our Privacy Policy at https://daniaprotects.com/privacypolicy.

4. User-Generated Content (e.g., Comments, Reviews)

If you post content to the Website, you agree that:

You have the legal right and permission to post such content;

Your content does not violate any law, intellectual property right, or privacy right;

Your content is not defamatory, obscene, harassing, or unlawful.

You grant us a non-exclusive, worldwide license to use, reproduce, and distribute your content in connection with our services.

We reserve the right to remove or edit content at our discretion.

5. Third-Party Links

Our Website may include links to third-party websites. We are not responsible for the content, policies, or practices of those websites. We encourage you to review their terms of service and privacy policies before engaging.

6. SMS/Text Messaging Program (A2P 10DLC Disclosure)

a. Program Overview

By providing your phone number and opting in via forms, verbal agreement, or written consent, you authorize D&M INSURANCE AGENCY LLC Dba Del Toro Insurance to send you SMS/text messages for purposes including:

Appointment reminders

Service updates

Customer support

Occasional promotional content (if consented)

b. Opt-Out

To stop receiving messages, reply STOP to any message. You may also contact us directly at https://daniaprotects.com/contact to opt out. You will receive a final confirmation message.

c. Help & Support

Reply HELP to any message for assistance or email us at https://daniaprotects.com/contact.

d. Message & Data Rates

Message and data rates may apply. Frequency of messages may vary. Please check with your wireless carrier for details.

e. Carrier Liability

Carriers are not liable for delayed or undelivered messages.

f. Consent & Data Usage

You are not required to opt in to SMS to purchase products or services. Consent applies only to messages related to your interaction with our company.

Opt-in data and personal information will not be shared with third parties for marketing purposes. Data may be shared only with necessary providers to deliver SMS services.

g. Compliance

We do not send SMS messages that contain illegal, misleading, or prohibited content including, but not limited to:

SHAFT content (sex, hate, alcohol, firearms, tobacco)

Fraudulent or deceptive claims

Phishing attempts

7. Disclaimer

The Website is provided “as is” without warranties of any kind. We do not warrant that the Website will be uninterrupted or error-free. We disclaim all warranties, express or implied, to the fullest extent permitted by law.

8. Limitation of Liability

To the extent allowed by law, D&M INSURANCE AGENCY LLC Dba Del Toro Insurance is not liable for any damages arising from:

Your use of or inability to use the Website

Delays or failures in SMS delivery

Third-party links or content

This limitation applies regardless of the form of action, whether in contract, tort, or otherwise.

9. Indemnification

You agree to indemnify and hold harmless D&M INSURANCE AGENCY LLC Dba Del Toro Insurance, its affiliates, officers, and employees from any claim, demand, or damage arising from your use of the Website or violation of these Terms.

10. Modifications

We may update or change these Terms at any time. Updates will be posted with a revised effective date. Your continued use of the Website constitutes acceptance of the new Terms.