TERMS OF SERVICE

Effective Date: March 2026

By accessing or using www.pelicanshield.com (the “Website”), you agree to the following Terms of Service. If you do not agree to these terms, please do not use this Website.

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Informational Purposes Only

The content on this Website is provided for general informational purposes only.

Nothing on this Website:

• Constitutes insurance advice specific to your situation

• Guarantees coverage availability or pricing

• Binds insurance coverage

• Creates an insurance contract

Insurance coverage is effective only when confirmed in writing by Pelican Shield Insurance Group.

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No Client Relationship

Submitting a form, requesting a quote, sending an email, or contacting us does not automatically create an agent-client relationship.

An insurance relationship exists only after:

• Required underwriting information is submitted

• A carrier approves the risk

• A policy is issued

• Written confirmation is provided

Do not assume coverage exists until written confirmation is received.

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Quote Requests and Coverage Changes

Any quote request or coverage inquiry submitted through this Website:

• Is not a guarantee of coverage

• Does not obligate Pelican Shield Insurance Group to secure insurance

• Is subject to underwriting review

• May require additional documentation

Coverage cannot be bound, modified, or cancelled via voicemail, email, text message, or website submission. Coverage is effective only when confirmed in writing by Pelican Shield Insurance Group.

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Website Accuracy

We make reasonable efforts to ensure Website information is accurate and current. However, insurance laws, underwriting guidelines, and carrier requirements may change without notice.

We do not guarantee completeness or applicability of information to your specific situation.

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Third-Party Links

This Website may contain links to third-party websites. Pelican Shield Insurance Group is not responsible for the content, accuracy, or privacy practices of external websites.

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Intellectual Property

All Website content, including text, graphics, logos, and branding, is the property of Pelican Shield Insurance Group unless otherwise noted and may not be reproduced without written permission.

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Limitation of Liability

To the fullest extent permitted by law, Pelican Shield Insurance Group shall not be liable for any direct, indirect, incidental, or consequential damages arising from use of this Website.

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Governing Law

These Terms of Service are governed by the laws of the State of Florida.

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SMS Compliance

1. Program Description: This messaging program sends appointment confirmation and reminder messages to customers who have booked an appointment with Pelican Shield Insurance Group LLC through our website at www.pelicanshield.com or via our scheduling forms, and have explicitly opted in to receive SMS notifications. Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Messages include scheduling confirmations, appointment reminders, rescheduling updates, and customer support communications.
2. Cancellation Instructions: You can cancel the SMS service at any time. Simply text "STOP" to the same number that sent you messages. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.
3. Support Information: If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or reach out directly to insurance@pelicanshield.com or call 727-369-9077 during business hours.
4. Carrier Liability: Carriers are not liable for delayed or undelivered messages.
5. Message & Data Rates: Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.
6. Supported Carriers: Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.
7. Age Restriction: You must be 18 years or older to participate in our SMS program.
8. Privacy Policy: For privacy-related inquiries, please refer to our Privacy Policy at www.pelicanshield.com/privacy

We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines, regarding the use of SMS communications.