These Terms of Service ("Terms") constitute a legally binding agreement between you and VS Reserves, LLC ("VS Reserves," "we," "us," or "our"), operated by Vincent Salvatoriello. By accessing or using our website at vsreserves.com, submitting information through our forms, or engaging with our services in any way, you agree to be bound by these Terms.
You must be at least 18 years of age to use our Site and services. By using the Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
VS Reserves provides insurance consultation and brokerage services. Our services include:
Important: Vincent Salvatoriello / VS Reserves is a licensed independent insurance agent. We are not an insurance company. We represent multiple licensed insurance carriers and help you find coverage that fits your needs. All insurance policies are issued by the respective insurance carrier, not by VS Reserves.
Submitting a quote request through our Site or during a conversation with us is a request for information only. A quote request does not constitute an application for insurance, nor does it create a binding agreement or guarantee of coverage.
All insurance policies are subject to underwriting approval by the issuing insurance carrier. Rates, terms, and availability of coverage depend on individual factors including age, health status, medical history, lifestyle, occupation, and other criteria established by the insurance carrier.
You agree to provide accurate, current, and complete information when submitting a quote request, completing an insurance application, or communicating with us.
By providing your mobile phone number and opting in, you expressly consent to receive SMS/MMS text messages from VS Reserves at the phone number provided. These messages may include:
You may opt out of receiving SMS/MMS messages at any time by replying STOP to any message from us. Upon receiving your opt-out request, we will send a single confirmation message and cease further messaging to that number.
For assistance with our SMS messaging program, reply HELP to any message, or contact us directly at vincent@vsreserves.com or (833) 959-5186.
Consent to receive SMS/MMS messages is not required as a condition of purchasing any insurance product or service from VS Reserves.
Some text messages may be generated or assisted by artificial intelligence (AI) technology acting on behalf of Vincent Salvatoriello / VS Reserves. These AI-assisted messages are designed to provide timely and relevant responses to your inquiries. All AI communications are overseen by and operate under the direction of Vincent Salvatoriello.
By providing your phone number and requesting a quote or consultation, you consent to receive phone calls from VS Reserves at the number provided, including calls made using automated dialing technology and/or prerecorded or AI-generated voice messages, in accordance with applicable law.
VS Reserves may use AI-powered voice technology to conduct phone calls on behalf of Vincent Salvatoriello. You will be informed at the start of any AI-assisted call, and you may request to speak with Vincent directly or end the call at any time.
Phone calls with VS Reserves may be recorded, monitored, and/or transcribed for quality assurance, training, compliance, and record-keeping purposes.
You may use the Site for lawful purposes in accordance with these Terms. You agree not to use the Site for any unlawful purpose, submit false information, attempt to gain unauthorized access, use automated systems without permission, or interfere with the operation of the Site.
All content on the Site, including text, graphics, logos, images, and software, is the property of VS Reserves or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
THE SITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. Any insurance-related information provided is for general informational purposes only and does not constitute insurance advice.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VS RESERVES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR OUR SERVICES.
You agree to defend, indemnify, and hold harmless VS Reserves from claims arising from your use of the Site, your violation of these Terms, or your violation of any third-party right.
Before filing any formal legal action, you agree to first attempt to resolve any dispute by contacting us at vincent@vsreserves.com. If a dispute cannot be resolved informally, disputes shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.
We reserve the right to modify these Terms at any time. Your continued use of the Site or our services after any modifications constitutes your acceptance of the updated Terms.
VS Reserves, LLC
Vincent Salvatoriello, Licensed Insurance Agent
Email: vincent@vsreserves.com
Phone: (833) 959-5186
Website: vsreserves.com