Welcome to the ALP Insurance & Financial Services Inc website. By accessing or using our services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

1. Introduction

These Terms and Conditions govern your use of our website and services. If you do not agree to these terms, please do not use our site.

2. Acceptance of Terms

By using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them.

3. SMS Terms and Conditions

3.1 SMS Consent Communication

 When you provide your phone number (201-945-2408) as part of the SMS consent process, you agree that this information will not be shared with third parties for marketing purposes without your express consent.

3.2 Types of SMS Communications

If you have opted to receive text messages from ALP Insurance, you may receive messages related to the following:

– Appointment reminders

Example Message: Your appointment with ALP Insurance is scheduled for 3:00 PM on April 5, 2025. Please confirm your attendance. Reply STOP at any time to opt out of SMS messages from ALP Insurance.

– Follow-up messages

Example Message: Hi, we’re following up on the required information we sent you. Please reply with your response at your earliest convenience. Reply STOP at any time to opt out of SMS messages from ALP Insurance.

– Billing inquiries

Example Message: Thank you for reaching out. I'll be happy to look into that for you. The invoice you have received is for the monthly installment of your BOP. Reply STOP at any time to opt out of SMS messages from ALP Insurance.

– Renewal notices

Example Message: Your General Liability policy is set to renew on 06/18/2025. If there have been any changes, please let us know to ensure a smooth renewal. Reply STOP at any time to opt out of SMS messages from ALP Insurance.

– Promotions or offers (if applicable)

Example Message: “Hello, this is a friendly reminder that your General Liability policy is set for renewal on 3/31/2025. You can reply STOP to opt out of SMS messaging from ALP Insurance at any time.”

3.3 Message Frequency

 Message frequency may vary based on the type of communication. For instance, you may receive up to 40 SMS messages per week related to your policy or quotes.

Example Message: “Message frequency may vary. You may receive up to 40 SMS messages per week regarding your appointments or account status.”

3.4 Potential Fees for SMS Messaging

 Please note that standard message and data rates may apply depending on your carrier’s pricing plan. These fees may differ for domestic and international messages.

3.5 Opt-In Method

 You may opt-in to receive SMS messages from ALP Insurance through the following methods:

– By submitting an online form available on our website.

3.6 Opt-Out Method

 You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

3.7 Help

 If you are experiencing any issues, you can reply with the keyword “HELP.” For additional assistance, please contact us at (201) 945-2408 or info@alpinsurance.com.

Additional Options: If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

3.8 Standard Messaging Disclosures

– Message and data rates may apply.

– You can opt-out at any time by texting “STOP.”

– For assistance, text “HELP” or visit our Privacy Policy.

4. User Responsibilities

You agree not to:

– Use the website for any unlawful purposes.

– Transmit harmful or malicious software.

– Attempt to access any part of the website or its systems without authorization.

5. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of ALP Insurance or its licensors and is protected by intellectual property laws. You may not reproduce or exploit any content without express written permission.

6. Limitation of Liability

To the fullest extent permitted by law, ALP Insurance shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the website or any information contained herein.

7. Indemnification

You agree to indemnify and hold ALP Insurance and its affiliates harmless from any claims or losses arising out of your violation of these Terms and Conditions.

8. Changes to Terms and Conditions

ALP Insurance reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting the revised terms on this website. Your continued use of the website after such changes indicates your acceptance of the new terms.

9. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the state of New Jersey, without regard to its conflict of law principles.

10. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact us: