Effective Date: August 1, 2025

Welcome to Ravine Group Insurance Services LLC, a licensed insurance agency in the state of Florida! By accessing or using our website (“Site”), services, or requesting quotes or consultations, you agree to abide by the following Terms of Service (“Terms”). If you do not agree, please do not use our Site or services.

1. Services Provided

Ravine Group Insurance Services provides commercial and personal insurance consulting, brokerage, and policy placement services. Our offerings may include risk assessments, coverage recommendations, policy reviews, and promotional programs related to business insurance, workers’ compensation, general liability, property, and other specialized insurance products.

2. Eligibility

To use our services or request a quote, you must be at least 18 years old and legally capable of entering into binding agreements. By doing so, you confirm that you meet these requirements.

3. No Guarantee of Results

While we pride ourselves on providing quality service and trusted insurance solutions, we do not guarantee specific premium savings, claim outcomes, or coverage results beyond those provided by the issuing insurance carriers. Coverage terms, rates, and eligibility may vary depending on underwriting guidelines, business operations, risk factors, and other individual circumstances.

4. User Responsibilities

By engaging with our services or submitting your information, you agree to:

Provide accurate and up-to-date contact, property, and project information.

Cooperate with our team during consultation and installation phases.

Comply with all local regulations and codes when using our products or services.

5. Payment & Refund Policy

Certain services may require a signed agreement and deposit or full payment. Payment terms and refund conditions will be outlined in your project estimate or contract. All refunds are subject to the terms in your written agreement with Ravine Group Insurance Services LLC.

6. Privacy & Data Protection

We value your privacy. Please refer to our Privacy Policy for details on how we collect, use, and protect your personal information submitted via forms, consultations, or marketing campaigns.

7. Intellectual Property

All content on this Site—including graphics, photos, logos, service descriptions, forms, and original resources Ravine Group Insurance Services LLC. You may not reuse, copy, or distribute any material without our prior written consent.

8. Limitation of Liability

Ravine Group Insurance Services LLC is not liable for any indirect, incidental, or consequential damages arising from the use of our services or your inability to access certain features on our website.

9. Third-Party Links

Our Site may include links to third-party resources for convenience. We are not responsible for the content, accuracy, or privacy practices of those external websites.

10. Service Termination

We reserve the right to deny, suspend, or terminate your access to our services or cancel consultations if we believe there has been a breach of these Terms or misuse of our Site or offerings.

11. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes must be resolved within the appropriate courts of Hillsborough County, Florida.

12. Updates to Terms

We may update these Terms occasionally. Any changes will be posted on our Site with an updated Effective Date. Continued use of our services signifies your acceptance of the revised Terms.

13. Contact Information

For any questions, concerns, or clarification, please contact us at:

Ravine Group Insurance Services LLC
13246 38th St N, ste 211 Clearwater, FL 33762
📞 Phone: (727) 349-2380
📧 Email: office@ravinegroupins.com

14. SMS Compliance

Consent to Receive SMS Messages:
By submitting your phone number to Ravine Group Insurance Services LLC, you consent to receive SMS messages from us, including service updates, consultation reminders, promotional offers, and installation alerts.

Message Frequency:
SMS frequency depends on your service activity, quote requests, or promotional opt-ins.

Opt-Out Instructions:
You may opt out at any time by replying STOP to any of our messages. We’ll send a confirmation and you will no longer receive SMS messages.

Help Instructions:
For support, reply HELP to any message, and we’ll provide guidance on how to manage your preferences.

Carrier Charges:
Standard message and data rates may apply. You are responsible for any charges incurred through your mobile provider.

Your Mobile Number:
You confirm you are the authorized user of the number provided or have permission to receive messages at that number.

Changes to SMS Terms:
We reserve the right to revise SMS-related terms at any time. Any updates will be posted on our Site, and your continued participation constitutes acceptance of the new terms.