ECKO INSURANCE

Terms & Conditions

Effective Date: August 26, 2026

These Terms & Conditions ("Terms") govern your access to and use of the ECKO Insurance website located at https://eckoinsurance.com/, including website forms, quote requests, communications, and related services.

ECKO Insurance ("ECKO Insurance," "we," "us," or "our") is an independent insurance agency based in Palm Bay, Florida and serving customers throughout the State of Florida.

By accessing or using our website, you agree to these Terms and our Privacy Policy .

1. ECKO Insurance SMS Program

SMS Consent and Opt-In

You may opt in to receive SMS messages by voluntarily entering your mobile phone number and checking the dedicated SMS consent checkbox on an ECKO Insurance website form or through another method that clearly requests your consent.

The SMS consent checkbox is not pre-checked. By checking the box, you affirmatively consent to receive the SMS communications described in the consent disclosure.

Consent to receive SMS messages is not a condition of purchasing any insurance product or service.

Types of Messages

Messages may include:

• Insurance quote follow-ups
• Responses to inquiries
• Appointment or consultation information
• Customer support communications
• Policy or service-related reminders and updates
• Requested insurance-related information
• Marketing or promotional messages where separately authorized

Message Frequency

Message frequency may vary depending on your interactions with ECKO Insurance, the services you request, and the consent you provide.

Message and Data Rates

Message and data rates may apply to messages sent to you by ECKO Insurance and messages you send to us. Please contact your wireless provider for information regarding your text or data plan.

How to Cancel SMS Messages

You may cancel SMS communications at any time by replying STOP to a message from ECKO Insurance.

After sending STOP, you may receive a confirmation message acknowledging your unsubscribe request. Following that confirmation, you will no longer receive messages through that SMS program unless you opt in again.

Rejoining the SMS Program

If you previously opted out and would like to receive SMS communications again, you must re-opt in through our website or another approved consent method.

SMS Support

If you need assistance, reply HELP to a message from us or contact ECKO Insurance at (321) 878-3256 .

Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Supported Carriers

Our messaging services are intended to work with major U.S. wireless carriers and many regional carriers. Availability may vary by carrier and mobile service plan.

Age Requirement

You must be at least 18 years old to participate in the ECKO Insurance SMS Program.

SMS Privacy

Your participation in the SMS program is also governed by our Privacy Policy .

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

2. General Website Terms

The ECKO Insurance website is provided for general informational purposes and to allow visitors to learn about available insurance-related services, contact our agency, and submit requests for insurance quotes or assistance.

You agree to use the website only for lawful purposes and in a manner that does not interfere with the operation, security, or use of the website by others.

3. Insurance Information and Quotes

Information provided on this website is intended for general informational purposes and does not constitute an insurance contract, binder, guarantee of coverage, or guarantee of premium.

Submitting an online form, requesting a quote, speaking with an ECKO Insurance representative, or receiving preliminary pricing information does not by itself create insurance coverage.

Insurance coverage is subject to carrier availability, underwriting requirements, eligibility requirements, policy terms, exclusions, conditions, payment requirements, and final approval by the applicable insurance carrier.

Coverage is not effective unless and until it has been formally confirmed or bound by the applicable insurer or authorized representative in accordance with the insurer's requirements.

4. Independent Insurance Agency

ECKO Insurance is an independent insurance agency and may work with multiple insurance carriers and providers.

The availability of any particular insurance carrier, policy, price, discount, or coverage option may vary according to location, eligibility, underwriting, carrier requirements, and other factors.

References to insurance carriers, products, or coverage options on the website do not guarantee availability or eligibility.

5. Accuracy of Information

You agree to provide accurate, current, and complete information when requesting a quote, submitting a form, or communicating with ECKO Insurance.

Insurance quotes and coverage recommendations may depend on the accuracy of the information provided. Incorrect or incomplete information may affect pricing, eligibility, or coverage.

6. No Guarantee of Price or Savings

ECKO Insurance may assist customers in comparing available insurance options; however, we do not guarantee that any particular policy will be the lowest priced option available or that a customer will achieve a specific amount of savings.

Insurance premiums and coverage options are determined by insurance carriers based on underwriting criteria and other applicable factors.

7. Intellectual Property

Unless otherwise stated, the content of this website, including text, graphics, logos, page designs, images, and other materials, is owned by or licensed to ECKO Insurance and is protected by applicable intellectual property laws.

You may view or print portions of the website for your personal, non-commercial use. You may not reproduce, modify, distribute, sell, publish, or commercially exploit website content without prior authorization.

8. Third-Party Websites and Services

Our website may contain links to third-party websites, insurance carriers, or service providers.

ECKO Insurance does not control and is not responsible for the content, availability, privacy practices, security, products, or services of third-party websites.

Your use of a third-party website is subject to that third party's own terms and privacy policies.

9. Website Availability

We strive to maintain the availability and accuracy of our website but do not guarantee that the website will always operate without interruption, delay, error, or technical issues.

We may modify, suspend, or discontinue any website feature at any time when reasonably necessary.

10. Disclaimer of Warranties

To the extent permitted by applicable law, the website and its content are provided on an "as is" and "as available" basis.

ECKO Insurance makes no warranty that website content will be completely error-free, uninterrupted, or suitable for every user's particular insurance needs.

11. Limitation of Liability

To the fullest extent permitted by applicable law, ECKO Insurance will not be liable for indirect, incidental, special, consequential, or similar damages arising solely from the use of or inability to use this website.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by law.

12. Privacy

Our collection and use of personal information are described in our Privacy Policy .

13. Governing Law

These Terms are governed by the applicable laws of the State of Florida, without regard to conflict-of-law principles, except where federal law applies.

14. Changes to These Terms

ECKO Insurance may revise these Terms periodically to reflect changes in our website, services, business practices, or applicable requirements.

The most current version will be posted on this page with the applicable effective date. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

15. Contact Information