Terms of Service & Privacy Policy
Effective Date: May 2, 2026
Website: dennishendrickson.com
1. Acceptance of Terms
These Terms of Service and Privacy Policy (“Terms”) govern your use of dennishendrickson.com (the “Site”), operated by Dennis Hendrickson and affiliated entities, including Hendrickson Insurance (“Company,” “we,” “us,” or “our”).
By accessing the Site, subscribing to content, joining email or SMS communications, or submitting any information, you acknowledge and agree to be bound by these Terms.
If you do not agree, you must not use this Site.
2. Nature of Services
The Site provides:
News, commentary, and opinion-based content
Business, marketing, and educational materials
Insurance-related information and services
Subscription content via Substack
SMS/text communications via SimpleTexting
All content is provided for informational and educational purposes only and does not constitute legal, financial, or insurance advice.
3. Eligibility
You must be at least 18 years old to use this Site or submit information.
4. Information We Collect
A. Personal Information
Full name
Email address
Phone number
Billing/payment details (processed by third parties)
B. Automatically Collected Information
IP address
Device and browser type
Usage data and interaction behavior
C. Insurance-Related Information
If you request quotes or services, we may collect:
Property details
Business operations information
Coverage history and claims history
Financial and underwriting-related data
5. How We Use Your Information
We use collected information to:
Deliver newsletters and paid/free content
Send SMS alerts and marketing communications
Respond to inquiries and provide support
Generate insurance quotes and communicate with carriers
Improve content, services, and performance
Comply with legal and regulatory requirements
We do not sell personal information to third parties.
6. Email Communications (Substack)
By subscribing through Substack:
You consent to receive recurring emails, newsletters, and promotional content
Paid subscriptions are processed through Substack and its payment providers
You may unsubscribe at any time using the link provided in emails
We are not responsible for Substack’s independent data handling practices.
7. SMS / Text Messaging (TCPA Compliance)
By providing your phone number and opting in, you expressly consent to receive recurring automated marketing and informational text messages from us via SimpleTexting.
Consent Terms:
Consent is not a condition of purchase
Message frequency varies
Message and data rates may apply
Messages may be sent using an automatic telephone dialing system (ATDS)
Opt-Out:
Reply STOP to unsubscribe at any time
Reply HELP for assistance
Additional Disclosures:
You represent that you are the authorized user of the phone number provided
You agree to notify us if your number changes
We are not responsible for delays or failures in message delivery
We do not sell or share SMS opt-in data with third parties for their marketing purposes.
8. Insurance Disclosures (Florida & General)
Dennis Hendrickson and affiliated entities may operate as licensed insurance professionals where required.
Important Disclosures:
All insurance information is subject to underwriting approval
Quotes are not guarantees of coverage or pricing
Coverage is governed solely by the terms of the issued policy
Availability of coverage may vary by state, including Florida
Submission of information through this Site does not:
Create a broker-client relationship
Bind coverage
Guarantee placement with any carrier
A formal written agreement and policy issuance are required for coverage to be effective.
9. Sharing of Information
We may share your information with:
Service providers (email, SMS, hosting, analytics)
Insurance carriers, brokers, and underwriters (for quotes/services)
Legal or regulatory authorities when required
We do not sell personal data.
10. Data Security
We implement commercially reasonable safeguards to protect your information.
However, no method of transmission or storage is completely secure. You assume all risk when using the Site.
11. Cookies and Tracking Technologies
We use cookies and similar technologies to:
Analyze traffic and engagement
Improve user experience
Deliver relevant content
You may disable cookies in your browser settings.
12. Third-Party Services
This Site relies on third-party platforms, including:
Substack
SimpleTexting
We are not responsible for the privacy practices, policies, or actions of third parties.
13. User Responsibilities
You agree not to:
Provide false or misleading information
Use the Site for unlawful purposes
Attempt to interfere with Site operations
Misrepresent information in insurance inquiries
14. Intellectual Property
All content, branding, text, graphics, and materials on this Site are the property of Dennis Hendrickson unless otherwise stated.
Unauthorized use, reproduction, or distribution is prohibited.
15. Limitation of Liability
To the maximum extent permitted by law:
We are not liable for:
Any direct, indirect, incidental, or consequential damages
Losses resulting from reliance on Site content
Errors, interruptions, or delays in service
Your use of the Site is at your sole risk.
16. Indemnification
You agree to indemnify and hold harmless Dennis Hendrickson and affiliated entities from any claims, damages, or liabilities arising from your use of the Site or violation of these Terms.
17. Changes to Terms
We reserve the right to update these Terms at any time.
Continued use of the Site after changes constitutes acceptance of the updated Terms.
18. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.
19. Contact Information
Dennis Hendrickson
Hendrickson Insurance
Email: info@hendricksonins.com
Website: dennishendrickson.com
20. Consent
By using this Site, subscribing to emails, or opting into SMS communications, you acknowledge that you have read, understood, and agreed to these Terms of Service and Privacy Policy.