Terms & Conditions

Effective date: November 2, 2026

These Terms & Conditions govern your use of alexandermnesel.com and the insurance information, quoting and messaging services offered by Alexander M Nesel ("we," "us"), located at 11150 4th St N, Apt 2816, St. Petersburg, FL 33716. By using this website or opting in to our messages, you agree to these terms.

1. Our Services

We provide insurance information, quote assistance and policy service support for personal and commercial coverage, including auto, homeowners, flood, condo, renters, landlord, umbrella, watercraft and recreational vehicle, life, health and supplemental, and business insurance. We are licensed in Florida. Our license number is listed in the website footer and can be verified with the Florida Department of Financial Services.

2. No Binding Coverage Through the Website

Website content, quote requests and text messages are informational. Submitting a request does not create an insurance contract. Coverage begins only when an insurance carrier accepts your application and confirms coverage in writing. Eligibility, premiums, limits, deductibles and exclusions are determined by the carrier and the issued policy, which controls over any general description on this site.

3. Accuracy of Information

You agree to provide accurate and complete information. Inaccurate or incomplete information may affect quotes, coverage or claims.

4. SMS Messaging Program Terms

• How you opt in: by checking the optional SMS consent box on our contact form, or by otherwise providing your mobile number and requesting text communication from us. Consent is not a condition of purchase.
• Message frequency: varies based on your requests and account activity.
• Message and data rates may apply. Charges are set by your mobile carrier.
• To opt out: reply STOP, QUIT, END, REVOKE, OPT OUT, CANCEL or UNSUBSCRIBE at any time. You will receive a confirmation and no further messages.
• For help: reply HELP, call 845-853-3719 or email support@alexandermnesel.com.
• Carrier disclaimer: Carriers are not liable for delayed or undelivered messages.
• Supported carriers: participating U.S. mobile carriers. Availability may vary.
• Privacy: your mobile information is not shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy.
• Please do not send sensitive information such as Social Security numbers or payment details by text.

5. Website Use

You agree not to misuse the site, attempt unauthorized access, submit false or fraudulent information, or use it for unlawful purposes. All content, text and design are owned by or licensed to Alexander M Nesel and may not be copied without permission.

6. Disclaimer of Warranties

The website is provided "as is." General information is not legal, tax or financial advice. Please review your policy documents and consult qualified professionals about your specific situation.

7. Limitation of Liability

To the fullest extent permitted by law, Alexander M Nesel is not liable for indirect, incidental or consequential damages arising from use of this website. Nothing in these terms limits liability that cannot be limited under Florida or federal law.

8. Third-Party Carriers and Links

Insurance carriers are independent companies responsible for underwriting, claims and policy terms. We are not responsible for third-party websites or services.

9. Governing Law

These terms are governed by the laws of the State of Florida. Disputes will be handled in the state or federal courts located in Pinellas County, Florida, except where the law provides otherwise.

10. Changes

We may update these terms from time to time. Continued use of the website or messaging program after changes means you accept the updated terms.

11. Contact

Alexander M Nesel
11150 4th St N, Apt 2816, St. Petersburg, FL 33716
Phone: 845-853-3719
Email: support@alexandermnesel.com