Terms of Service
Last updated: May 6, 2026
Welcome! These Terms of Service (“Terms”) govern your access to and use of our website (https://ronnapoli.com) and the services we provide. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use the website.
Our Services
We provide insurance information, quote request and enrollment services. All quotes are estimates only and are not binding offers or contracts. Final coverage, premiums, and terms are subject to policy-specific documents, underwriting and approval by the insurance carrier.
Ron Napoli is a licensed insurance agent in Connecticut, Colorado, Florida, New York, and Texas operating as permitted by law.
Nothing on this website constitutes legal, tax, or financial advice. Always consult with a qualified professional for your specific situation.
Use of the Website
You may use the website only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the website in any way that violates applicable federal, state, or local laws.
- Attempt to gain unauthorized access to any part of the website.
- Transmit any harmful code, viruses, or disruptive materials.
Intellectual Property
All content on this website, including text, images, logos, and graphics, is the property of Ron Napoli and is protected by copyright and trademark laws. You may not reproduce, distribute, or use any content without our prior written permission.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your personal information. Know that we do not sell or share your personal information with third parties for monetary or other valuable consideration.
Limitation of Liability
The website and all information on it are provided “AS IS” and “AS AVAILABLE” without any warranties. We are not liable for any damages arising from your use of the website, including but not limited to loss of data, loss of profits, or any indirect, incidental, or consequential damages.
Insurance quotes and information are provided for convenience only. We are not responsible for errors, omissions, or decisions you make based on information from this website.
Governing Law and Binding Arbitration
These Terms are governed by the laws of the State of Connecticut, without regard to conflict of law principles.
Any dispute, claim, or controversy arising out of or relating to these Terms or the use of the website shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in Connecticut. You and we agree to waive any right to a jury trial or to participate in a class action lawsuit. The arbitrator’s decision shall be final and binding.
You may opt out of this arbitration agreement by sending written notice to ron@ronnapoli.com within 30 days of first using the website.
Changes to These Terms
We may update these Terms from time to time. We will post the revised Terms on this page and update the “Last updated” date. Continued use of the website after changes constitutes your acceptance of the new Terms.
Contact Us
If you have any questions about these Terms, please contact us:
Ron Napoli
Email: ron@ronnapoli.com
Phone: (203) 429-4832
This Terms of Service was last updated on May 6, 2026.