Terms & Conditions

Welcome to Vander Ploeg Insurance Agency, LLC. These Terms & Conditions (“Terms”) govern your use of our website located at https://vpinsured.com/, our insurance agency services, and our SMS/text messaging program.

By using our website, submitting information to us, requesting an insurance quote, or opting in to receive text messages, you agree to these Terms.

1. About Our Services

Vander Ploeg Insurance Agency, LLC is an insurance agency that assists consumers and businesses with insurance-related products and services.

Our services may include:

• Insurance quote requests
• Insurance applications
• Policy servicing
• Coverage reviews
• Renewal assistance
• Customer service
• Insurance-related communications
• Appointment scheduling
• Marketing and promotional communications where permitted and consented to

Insurance products and availability may vary by state, insurance carrier, underwriting guidelines, eligibility, and other factors.

2. Insurance Quotes and Coverage

Information provided through our website, by telephone, email, text message, or other communication does not by itself constitute an insurance binder, policy, contract, or guarantee of coverage.

Insurance coverage is not effective unless and until it has been confirmed or bound by an authorized representative or insurance carrier in accordance with applicable requirements.

Quotes are estimates based on the information available at the time of the quote and are subject to change based on underwriting, verification of information, carrier requirements, and other factors.

The terms, conditions, exclusions, limitations, and coverages contained in an issued insurance policy control over any general information provided on this website or through our communications.

3. Accuracy of Information

You agree to provide accurate, current, and complete information when requesting quotes, applying for coverage, communicating with our agency, or using our services.

Insurance premiums, eligibility, and coverage may depend upon the accuracy of information you provide.

You are responsible for notifying us or your insurance carrier of material changes that may affect your insurance coverage.

4. SMS/Text Messaging Program

Program Name

Vander Ploeg Insurance Agency, LLC SMS Messaging Program

Program Description

By opting in to receive text messages from Vander Ploeg Insurance Agency, LLC, you may receive recurring SMS or MMS messages relating to your interactions with our agency.

Messages may include:

• Insurance quote information
• Quote follow-up
• Application updates
• Policy information
• Policy servicing communications
• Renewal reminders
• Appointment confirmations and reminders
• Customer service communications
• Requested insurance information
• Coverage-related notifications
• Marketing or promotional communications when you have consented to receive them

The types of messages you receive may depend on how you interact with our agency and the consent you have provided.

5. SMS Consent

By providing your mobile telephone number and affirmatively opting in to receive text messages from Vander Ploeg Insurance Agency, LLC, you consent to receive SMS and MMS communications from us at the mobile number you provided.

Messages may be sent using automated technology, including an automatic telephone dialing system or similar technology where applicable.

Consent to receive marketing text messages is not a condition of purchasing insurance, obtaining a quote, or purchasing any other goods or services.

Your consent applies only to communications from Vander Ploeg Insurance Agency, LLC and may be withdrawn at any time.

6. Message Frequency

Message frequency varies based on your interactions with us, your insurance needs, the services you request, and the types of communications you have consented to receive.

7. Message and Data Rates

Message and data rates may apply.

Your mobile carrier may charge you for sending or receiving text messages in accordance with the terms of your wireless service plan.

Vander Ploeg Insurance Agency, LLC does not charge a separate fee for participating in our SMS messaging program.

8. How to Opt Out of Text Messages

You may cancel SMS communications at any time.

Reply STOP to cancel.

After submitting a STOP request, you may receive a final confirmation message informing you that you have been unsubscribed.

Following your opt-out request, we will no longer send messages covered by that SMS program unless you subsequently provide consent to receive messages again.

You may continue to receive communications that are legally required or provided through other communication methods where appropriate.

9. How to Get Help

For assistance with our SMS messaging program:

Reply HELP for help.

You may also contact us at:

10. Mobile Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Message delivery is subject to effective transmission by your wireless carrier and is outside of our complete control.

Availability of SMS messaging may vary depending on your mobile device, wireless carrier, network availability, and geographic location.

11. Mobile Number Changes

You agree to provide us with a valid mobile number that you are authorized to use.

If you change, deactivate, transfer, or relinquish your mobile number, you should notify us so that we can update our records and avoid sending messages intended for you to another person.

12. Privacy and SMS Data

Your privacy is important to us.

Our collection and use of personal information, including information associated with our SMS messaging program, is described in our Privacy Policy:

Privacy Policy: https://vpinsured.com/privacy/

Mobile phone numbers and SMS opt-in consent information will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

SMS consent is specific to Vander Ploeg Insurance Agency, LLC and is not transferable to another business for that business's marketing purposes.

13. Email Communications

If you provide your email address, we may communicate with you regarding insurance quotes, policies, applications, customer service matters, renewals, and other insurance-related services.

Where permitted by law, we may also send marketing communications.

You may unsubscribe from marketing emails by following the unsubscribe instructions contained in those messages.

14. Website Use

You agree not to use our website:

• For unlawful or fraudulent purposes
• To provide false or misleading information
• To interfere with website security or functionality
• To attempt unauthorized access to our systems
• To transmit malicious software or harmful code
• In any manner that violates applicable laws or regulations

We reserve the right to restrict or terminate access to our website when reasonably necessary to protect our business, customers, systems, or legal rights.

15. Third-Party Websites and Insurance Carriers

Our website may contain links to websites operated by insurance carriers, service providers, or other third parties.

These third-party websites are governed by their own terms and privacy practices.

We do not control and are not responsible for the availability, security, content, products, services, or privacy practices of third-party websites.

16. Intellectual Property

Unless otherwise stated, the content of this website, including text, graphics, branding, logos, design elements, and other materials owned by Vander Ploeg Insurance Agency, LLC, is protected by applicable intellectual property laws.

You may use the website for your personal, non-commercial use in connection with researching or obtaining insurance services.

You may not reproduce, distribute, modify, sell, or commercially exploit our proprietary website content without our prior written permission.

17. No Guarantee of Website Availability

We make reasonable efforts to keep our website and communication systems available, but we do not guarantee uninterrupted or error-free operation.

Website functionality, text messaging, email, quoting tools, carrier integrations, and other services may occasionally be unavailable due to maintenance, technical issues, third-party services, network interruptions, or circumstances beyond our control.

18. Limitation of Liability

To the fullest extent permitted by applicable law, Vander Ploeg Insurance Agency, LLC will not be liable for indirect, incidental, special, consequential, or punitive damages resulting from your use of, or inability to use, our website or electronic communications.

Nothing in these Terms is intended to limit rights or remedies that cannot legally be limited under applicable law.

19. Changes to These Terms

We may revise these Terms periodically to reflect changes to our services, messaging practices, technology, or legal and regulatory requirements.

When changes are made, we will update the “Last Updated” date at the top of this page.

Your continued use of our website or services after updated Terms are posted constitutes acknowledgment of the updated Terms to the extent permitted by law.

Changes to SMS terms will not eliminate any consent requirements that otherwise apply to our messaging activities.

20. Governing Law

These Terms will be governed by and interpreted in accordance with the laws of the State of Michigan, without regard to conflict-of-law principles, except where federal law or another applicable law controls.

21. Contact Information

If you have questions about these Terms, our website, our insurance services, or our SMS messaging program, please contact:

Office location for reference: 5985 W Main St Ste 825, Kalamazoo, MI 49009.

SMS Disclosure Summary

By opting in to SMS communications from Vander Ploeg Insurance Agency, LLC, you agree to receive recurring insurance-related and, where separately consented to, marketing text messages at the number you provided. Message frequency varies. Message and data rates may apply. Reply STOP to cancel. Reply HELP for help. Consent to marketing messages is not a condition of purchasing insurance or any goods or services. Wireless carriers are not liable for delayed or undelivered messages. See our Privacy Policy at https://vpinsured.com/privacy/ for information about how we collect and use your information.