Effective Date: January 19, 2024
Last Updated: February 2026
Welcome to Your Trusted Agent, doing business as Del Toro Insurance® (“Your Trusted Agent,” “Del Toro Insurance,” “we,” “us,” or “our”). Your Trusted Agent is an independently owned and operated Del Toro Insurance franchise location authorized to transact insurance business in the State of Florida through duly licensed insurance agents.
These Terms and Conditions (“Terms”) govern your access to and use of this website and any related forms, communications, content, or services (collectively, the “Website”). By accessing or using this Website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree, you must discontinue use of the Website immediately.
Nature of the Business and Franchise Relationship
Your Trusted Agent operates as a Del Toro Insurance franchisee pursuant to a franchise agreement with Del Toro Franchising Corp., a Florida corporation. As a franchise location, Your Trusted Agent is independently owned and operated, but conducts insurance business under the Del Toro Insurance® trade name and system, in accordance with franchise standards, policies, and applicable law.
Insurance products and services offered through this Website are provided by licensed insurance agents authorized under Florida law and appointed with approved insurance carriers. All insurance transactions are subject to carrier underwriting guidelines, policy terms, and applicable regulatory requirements.
Regulatory Framework (Florida)
Insurance activities in the State of Florida are regulated by the Florida Department of Financial Services (DFS) and the Florida Office of Insurance Regulation (OIR) pursuant to Chapters 624 and 626, Florida Statutes.
All insurance solicitations, applications, sales, servicing, renewals, and related activities conducted by Your Trusted Agent are performed by individuals holding appropriate Florida insurance licenses. Nothing on this Website should be interpreted as circumventing or replacing the regulatory authority of DFS, OIR, or licensed insurance carriers.
Scope of Information and No Guarantees
Information presented on this Website is provided for general informational purposes only. While we strive to ensure accuracy, insurance availability, pricing, eligibility, and coverage terms vary based on individual circumstances and are determined exclusively by insurance carriers and underwriting criteria.
Submission of information through this Website, or communication with our office, does not constitute a guarantee of coverage, acceptance, pricing, or issuance of an insurance policy.
User Representations
By using this Website, you represent and warrant that:
You agree not to submit false, misleading, or fraudulent information.
Communications and Consent
By submitting your information through this Website, you expressly authorize Your Trusted Agent, doing business as Del Toro Insurance, and its licensed agents to contact you regarding your inquiry by reasonable means, including telephone calls, text messages (SMS), emails, or other electronic communications, consistent with applicable federal and Florida law, including the Telephone Consumer Protection Act (TCPA).
Consent to be contacted is not a condition of purchase. Message and data rates may apply.
Intellectual Property and Trademarks
All Website content, including text, graphics, layout, and design, is the property of Your Trusted Agent or used under license. Del Toro Insurance® and related marks are registered or common-law trademarks used pursuant to franchise rights.
Unauthorized use, reproduction, or distribution of Website content or trademarks is prohibited.
Limitation of Liability
To the fullest extent permitted by Florida law, Your Trusted Agent shall not be liable for:
Use of this Website is at your own risk.
Governing Law and Venue
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising from or related to these Terms or the Website shall be brought exclusively in the state or federal courts located in Florida.
Modifications
We reserve the right to update or modify these Terms at any time. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.
Copyright © 2026 yta - All Rights Reserved.
Your Trusted Agent is an independently owned and operated Del Toro Insurance® franchise location. Insurance products are offered by licensed agents in accordance with Florida law.
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