Terms & Conditions
Last Updated: October 13, 2025
Agreement to Terms
By accessing or using the R.S. Total Protection website and services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not access our website or use our services.
Use of Services
R.S. Total Protection provides insurance brokerage and financial planning services. Our services are intended to:
- Provide information about various insurance products and financial solutions
- Assist clients in finding appropriate insurance coverage
- Facilitate communication between clients and insurance carriers
- Offer personalized recommendations based on individual needs
We reserve the right to refuse service to anyone for any reason at any time.
Accuracy of Information
While we strive to provide accurate and up-to-date information on our website, we make no warranties or representations regarding the accuracy, completeness, or reliability of any information provided. Insurance products, rates, and availability are subject to change without notice.
You are responsible for providing accurate and complete information when requesting quotes or applying for insurance. Inaccurate information may result in incorrect quotes or policy denials.
No Guarantee of Coverage
R.S. Total Protection acts as an independent insurance broker. We do not guarantee that any insurance carrier will accept your application or provide coverage. Final decisions regarding coverage, rates, and terms are made by the insurance carriers themselves.
Financial Advice Disclaimer
Any financial planning advice or recommendations provided by R.S. Total Protection are for informational purposes only and should not be construed as professional financial, legal, or tax advice. We recommend consulting with qualified professionals before making significant financial decisions.
Intellectual Property
All content on the R.S. Total Protection website, including text, graphics, logos, images, and software, is the property of R.S. Total Protection or its content suppliers and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
User Conduct
You agree not to:
- Use our website for any unlawful purpose
- Attempt to gain unauthorized access to our systems or networks
- Transmit any viruses, malware, or harmful code
- Engage in any activity that interferes with or disrupts our services
- Impersonate any person or entity
- Collect or harvest information about other users
Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by R.S. Total Protection. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.
Limitation of Liability
To the fullest extent permitted by law, R.S. Total Protection shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or related to your use of our website or services.
Indemnification
You agree to indemnify and hold harmless R.S. Total Protection, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising out of your use of our services or violation of these Terms and Conditions.
Termination
We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for conduct that we believe violates these Terms and Conditions or is harmful to other users, us, or third parties, or for any other reason.
Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the state in which R.S. Total Protection operates, without regard to conflict of law provisions.
Changes to Terms
We reserve the right to modify or replace these Terms and Conditions at any time. We will provide notice of any material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new terms.
Severability
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Contact Us
If you have any questions about these Terms and Conditions, please contact us:
R.S. Total Protection
Email: miaminsurance10@hotmail.com
Phone: (786) 416-5553
Address: 2412 SW 17th St, Miami, FL 33145