Terms of Use
Effective Date: 05/13/2026
Welcome to Rob Ritrovato's Insurance. By accessing our website, booking services, opting into communications, or using any product or service provided by us, you ("User," "you," or "your") agree to be bound by these Terms of Use. Please read them carefully.
1. Acceptance of Terms
By visiting our site, signing up for services, or receiving messages (email or SMS), you accept these Terms and our Privacy Policy : (https://ritroinsurance.com/privacy-935358)
We reserve the right to update or modify these Terms at any time. Updated terms will be posted with a revised effective date. Continued use constitutes acceptance of changes.
2. Age Restriction (18+)
You must be at least 18 years old (or the legal age of majority in your jurisdiction) to use our services. By using them, you affirm that you meet this requirement. We do not knowingly collect information from minors.
3. Use of Services
You agree to use our website and services only for lawful purposes. You agree not to:
Violate any local, state, federal, or international laws
Interfere with or disrupt the site or our services
Misuse, copy, or redistribute any proprietary content without written permission
Submit false or misleading information
4. SMS Program & Messaging Use Cases (Detailed)
By providing your mobile phone number and opting in, you consent to receive automated and non‑automated text messages from Rob Ritrovato's Insurance. regarding:
Appointment reminders (e.g., booking confirmations, rescheduling)
Marketing & promotional offers (e.g., discounts, new services, limited-time deals)
Customer support & status updates (e.g., response to your inquiry, project updates)
Survey requests & feedback (to improve our services)
Message frequency varies based on your interactions (typically 2–5 messages per week).
Instructions to Opt Out (STOP)
You may opt out of SMS at any time by replying STOP to any message you receive. You will receive a single confirmation message, and no further texts will be sent.
Help & Support Contact
For SMS support or assistance, reply HELP to any message, or contact us directly at:
Phone: (267) 421-6728
Message & Data Rates Disclosure
Message and data rates may apply depending on your mobile carrier and plan. Please contact your carrier for details. You are responsible for any fees.
Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages. We will make reasonable efforts to deliver messages promptly, but network conditions, device settings, or carrier restrictions may cause issues beyond our control.
5. Intellectual Property
All content, logos, design elements, videos, and materials on our site or sent via communications are owned by Rob Ritrovato's Insurance. or licensed to us. You may not use, reproduce, or distribute our materials without express written consent.
6. Payment and Refunds
If applicable, all pricing and payment terms will be clearly stated before purchase. Unless otherwise stated, all sales are final.
We may offer refund guarantees under certain program terms — see specific offer pages or agreements for details.
7. Limitation of Liability
To the fullest extent permitted by law, Rob Ritrovato's Insurance. is not liable for:
Any indirect, incidental, or consequential damages
Loss of data, revenue, or profit
Issues arising from your misuse of our services
Delayed or undelivered SMS/email due to third‑party carriers or providers
All services are provided "as‑is" without warranties of any kind.
8. Termination
We may terminate your access at any time without notice if you violate these Terms or misuse our services. Upon termination, all rights granted to you cease immediately. You may also terminate by ceasing use of our services and texting STOP to opt out of SMS.
9. Governing Law
These Terms are governed by the laws of the state where Rob Ritrovato's Insurance. is headquartered. Any disputes will be resolved in that jurisdiction.
10. Contact Information
For questions, concerns, or support regarding these Terms of Use, please contact us:
Business Name:
Rob Ritrovato's Insurance
Email:
Phone:
(267) 421-6728
Address:
558 Coventry Lane
11. Link to Privacy Policy
explains how we collect, use, and protect your data. By using our services, you also agree to the terms of our Privacy Policy.