📜 Terms of Use & Conditions

Welcome to taylorleto.com (the “Site”), owned and operated by Vizcaya Partners LLC and Taylor Leto (Licensed Insurance Professional) (“Company,” “we,” “our,” or “us”). By accessing or using this Site, you agree to these Terms of Use (“Terms”). If you do not agree, please do not use the Site.

About Our Services

Taylor Leto is a licensed Florida 2-20 insurance agent offering insurance quotes, policy servicing (including changes and cancellations), high-net-worth insurance solutions, and risk management advisory services. All insurance advice and transactions are subject to applicable licensing laws and underwriting approval by the insurance carriers.

The Site provides general information about our services. Nothing on this Site constitutes a binding quote, offer, or contract of insurance. All coverage decisions are subject to underwriting and the terms of each individual policy.

Eligibility

You must be at least 18 years old and reside in a U.S. state where our services are offered to use this Site.

Intellectual Property

All materials on this Site—including text, graphics, logos, and other content—are owned by or licensed to Vizcaya Partners LLC and are protected under copyright and trademark laws. You may not copy, reproduce, or distribute any content without prior written permission.

© Vizcaya Partners LLC, All Rights Reserved 2025.

User Conduct

You agree not to:

  • Use the Site for unlawful purposes;

  • Submit false or misleading information;

  • Attempt to interfere with Site functionality or security;

  • Engage in unauthorized data collection or scraping.

    False Information, Misrepresentation, and Concealment

    You must provide complete, accurate, and truthful information when requesting quotes, applying for insurance, submitting claims, or otherwise interacting with us or any insurance carrier. Providing false, misleading, incomplete, or fraudulent information — or intentionally concealing material facts — may have serious consequences, including but not limited to:

  • denial, delay, or rescission of coverage; Use the Site for unlawful purposes;

  • cancellation or voiding of an insurance policy;

  • denial of claims and recovery of previously paid claims;

  • reporting to insurance carriers, regulatory authorities, or law enforcement; and

  • potential civil or criminal liability as permitted by law.

    Examples of prohibited conduct include (but are not limited to):

  • knowingly submitting false, incomplete, or misleading information on applications, service requests, or claims;

  • concealing or omitting material facts that would affect underwriting or coverage decisions;

  • falsifying or altering documents such as identification, appraisals, or loss histories; or

  • misrepresenting the cause, extent, or details of a loss.

    You agree that Taylor Leto (Licensed Insurance Professional) and their representatives shall not be held responsible or liable for any loss, denial of coverage, policy rescission, premium change, or claim denial resulting from your failure to provide accurate, complete, and truthful information.

    All responsibility for the accuracy and completeness of information submitted to insurance carriers rests solely with the applicant, policyholder, or claimant.

    By using this Site owned and operated by Vizcaya Partners LLC (“Company,” “we,” “our,” or “us”) or engaging our insurance related services, you acknowledge and accept that Taylor Leto (Licensed Insurance Professional) expressly disclaims any liability for outcomes resulting from false statements, misrepresentations, or omissions made by you or any third party acting on your behalf.

Third-Party Links

This Site may contain links to third-party websites or services. We are not responsible for their content, accuracy, or privacy practices.

Disclaimers

Information on this Site is provided “as is” and for informational purposes only. We make no warranties, express or implied, regarding completeness, accuracy, or reliability. Insurance availability and pricing are subject to carrier terms and underwriting.

AI Content and Tools Disclaimer

Certain content, tools, or responses on this Site may be generated or assisted by artificial intelligence (“AI”) technologies for informational purposes. While we strive to provide accurate and reliable information, AI-generated content may be incomplete, outdated, or contain errors.

Visitors should not rely solely on AI-generated content for insurance, legal, or financial decisions. All insurance advice, quotes, and transactions are provided exclusively by Taylor Leto, a licensed Florida 2-20 Insurance Agent.

Vizcaya Partners LLC and Taylor Leto disclaim any liability arising from the use, interpretation, or reliance on AI-generated content on this Site.

Limitation of Liability

To the fullest extent permitted by law, Vizcaya Partners LLC and its affiliates are not liable for any damages arising from your use of the Site or reliance on its content.

Indemnification

You agree to indemnify and hold harmless Vizcaya Partners LLC, its members, and affiliates from any claims arising out of your use of this Site or violation of these Terms.

Defamation and Prohibited Content

You agree not to post, submit, or transmit any content, statements, or communications that are false, misleading, defamatory, harassing, threatening, abusive, or otherwise unlawful concerning Vizcaya Partners LLC, Taylor Leto (Licensed Insurance Professional), our affiliates, or any third party.

Any such content may be removed at our discretion, and we reserve the right to pursue all available legal remedies, including claims for defamation, damages, and injunctive relief.

By using this Site, you acknowledge that Vizcaya Partners LLC and Taylor Leto shall not be liable for any defamatory content submitted by users and that you are solely responsible for any content you provide.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in Florida.

Updates to These Terms

We may update these Terms periodically. The latest version will always be posted on this page with an updated effective date.

🔒 Privacy Policy

This Privacy Policy explains how Vizcaya Partners LLC or Taylor Leto (Licensed Insurance Professional) (“we,” “our,” “us”) collects, uses, and protects personal information through the website taylorleto.com (the “Site”).

By using our Site, you agree to the terms of this Policy.

Information We Collect

We may collect personal information that you voluntarily provide, such as:

  • Name, email address, phone number, date of birth, and other contact information submitted via forms;

  • Insurance details or service requests submitted through quote or service forms.

  • Documents submitted for insurance purposes, including but not limited to identification or owner details, proof of address, vehicle details, property details, business or professional details, asset details, appraisals, claims history, loss runs, evidence of insurance, and other supporting documentation necessary for underwriting, discounts, or servicing insurance policies.

Squarespace, our website platform, may automatically collect non-personal information such as:

  • IP address, browser type, device information, and browsing activity;

  • Cookies or analytics data are used for performance and security.

How We Use Information

We use the collected information to:

  • Respond to inquiries or service requests;

  • Provide quotes and manage client accounts;

  • Improve website functionality and user experience;

  • Comply with legal and regulatory obligations.

We do not sell or rent your personal information.

Data Sharing

We may share information with:

  • Insurance carriers or service providers involved in your insurance transactions;

  • Third-party vendors who help operate our Site (e.g., Squarespace, analytics providers);

  • Regulatory bodies or law enforcement, when legally required.

These third parties are required to protect your information and use it only for the purpose provided.

Fair Credit Reporting Act (FCRA) Disclosure

As part of the insurance quoting or underwriting process, the insurance carriers, Taylor Leto (Licensed Insurance Professional) represents may obtain consumer reports, credit-based insurance scores, or loss history reports (such as CLUE reports) from third-party consumer reporting agencies.

These reports are used solely for legitimate insurance purposes, including determining eligibility, rating, and underwriting decisions, and are obtained in compliance with the federal Fair Credit Reporting Act (FCRA) and applicable state laws.

If information from a consumer report is used to make an adverse decision (such as denial, cancellation, or nonrenewal of coverage), you will receive a separate notice in compliance with the FCRA, which will include the name and contact information of the consumer reporting agency, along with your rights to dispute or obtain a copy of the report.

Vizcaya Partners LLC and Taylor Leto do not make any independent credit determinations and do not store, sell, or share consumer report data except as required for legitimate insurance transactions.

Payment Information

When you make payments for insurance premiums or related services, you may be redirected to a third-party payment processor or an insurance carrier’s secure payment portal (PCI DDS Compliant).

We do not collect, process, or store your payment card information on our servers. Any payment information you provide is handled directly by the carrier or payment processor according to their own privacy and security policies.

We encourage you to review the privacy and security policies of any third-party payment service before submitting your payment information.

Cookies and Analytics

The Site may use cookies and analytics tools (such as Squarespace Analytics or Google Analytics) to track website performance and user behavior. You can disable cookies in your browser settings if you prefer not to share this information.

Data Retention and Security

We retain your information only as long as necessary for legitimate business or legal purposes. We implement reasonable security measures to protect data, but no online system can be guaranteed 100% secure.

Your Rights

Depending on your location, you may have rights to access, correct, or delete personal data. To exercise these rights, contact us at Taylor@VizcayaPartners.com.

Consent Notice

This website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and assist with marketing efforts. By continuing to use this site, you consent to the use of these technologies in accordance with our Privacy Policy.

You can adjust your cookie preferences at any time in your browser settings.

Communication Consent

By providing your contact information (including phone number, email address, or address) through this Site or any related communication channel, you expressly consent to be contacted by Taylor Leto and its representatives or business entities via:

  • Phone calls (including mobile numbers), Text messages (SMS/MMS), Email, and Social Media or Social Internet-Based Communication platforms.

These communications may include insurance quotes, policy information, updates, service reminders, and marketing/general information or materials. Message and data rates may apply.

You may opt out of marketing or promotional communications at any time by following the unsubscribe instructions in our emails or replying “STOP” to text messages. Transactional or legally required messages (such as policy notices) may still be sent as permitted by law.

All communications comply with the Telephone Consumer Protection Act (TCPA) and other applicable privacy laws.

Children’s Privacy

Our Site is not directed to individuals under 18. We do not knowingly collect personal information from individuals under the age of 18.

Links to Other Sites

We are not responsible for the privacy practices or content of third-party websites linked from our Site.

Updates to This Policy

We reserve the right to update this Privacy Policy periodically. The latest version will always be available on this page with the updated effective date.

Contact

For privacy questions, data requests, or support, contact:
Taylor Leto
Taylor@VizcayaPartners.com
Vizcaya Partners LLC
Florida, USA

Licensing and Professional Disclaimer

Insurance services are provided by Taylor Leto, a licensed Florida 2-20 Insurance Agent (LIC #G102306 - NPN #21107467). Vizcaya Partners LLC provides administrative and marketing support for these services. Taylor Leto maintains active Errors and Omissions (E&O) insurance coverage in accordance with state licensing requirements. This coverage is maintained for compliance and risk management purposes and does not create any warranty, guarantee, or direct right of action by any third party against the insurer, Taylor Leto, or Vizcaya Partners LLC.

Terms of Use & Conditions - Privacy Policy (Effective 10/23/2025)

© Vizcaya Partners LLC, All Rights Reserved 2025