Pending legal review. This is a drafted template. Governing law, dispute resolution, and limitation-of-liability provisions in particular vary in enforceability by state and must be settled by your counsel before launch. Delete this notice once reviewed.
1. Acceptance
By using this website you agree to these terms. If you do not agree, please do not use the site. We may update these terms; the version posted when you use the site is the version that applies.
2. The site is informational
Everything on this website is general information about life insurance. It is not insurance advice tailored to you, and it is not tax, legal, accounting, or investment advice. Insurance needs are individual. Speak with a licensed producer, and with your own tax or legal professional where the question calls for one, before acting.
Nothing on this site is an offer to sell or a solicitation to buy insurance in any state where MC Financial LLC or the responsible producer is not licensed and, where required, appointed. See Licensing & Disclosures.
3. No coverage is created here
Submitting a form on this site does not apply for, bind, alter, renew, or reinstate insurance coverage, and does not create a producer-client relationship. Quotes, estimates, and calculator results are illustrations, not offers, and are not binding on MC Financial LLC or on any carrier. Coverage exists only when a carrier has accepted a signed application, issued the policy under its terms, and received the required premium.
If you need coverage to begin, or need to report a claim, telephone us at (843) 312-0212. Do not rely on a web form, email, or text message for anything time-sensitive.
4. Accuracy & your information
We work to keep this site accurate and current but do not warrant that it is free of error or omission, or that rate ranges reflect current carrier filings. Carrier products, rates, and availability change.
You agree that the information you submit is truthful and that you are the person you say you are, that you are at least 18 years old, and that you own or are authorised to use the telephone number and email address you provide. Misrepresentation on an insurance application can void coverage and may constitute insurance fraud.
5. Acceptable use
Do not use this site to break the law, submit another person’s information without authority, upload malicious code, scrape or harvest data, attempt to gain unauthorised access, interfere with its operation, or misrepresent your identity or affiliation with us.
6. Intellectual property
The content, design, code, text, and the MC Insurance logo and trade dress on this site are owned by MC Financial LLC or its licensors and are protected by copyright and trademark law. You may view and print pages for your own personal, non-commercial use. You may not copy, republish, frame, or use our name, logo, or content for commercial purposes without our written permission.
Carrier names, logos, and rating agency marks are the property of their respective owners and are used only where permitted.
7. Links to other sites
Links to third-party websites, including carrier sites, regulators, and the National Insurance Producer Registry, are offered for convenience. We do not control those sites, do not endorse their content, and are not responsible for their privacy or security practices.
8. Disclaimer of warranties
To the fullest extent permitted by law, this website is provided “as is” and “as available,” without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty that the site will be uninterrupted, secure, or error-free. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.
9. Limitation of liability
To the fullest extent permitted by law, MC Financial LLC and its members, producers, and staff will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits or data, arising from your use of this website, even if advised of the possibility.
Nothing in these terms limits any obligation MC Financial LLC owes you as a licensed insurance producer under applicable insurance law, or limits any right you have under a policy issued to you, or limits liability that cannot lawfully be limited.
10. Governing law & disputes
[Insert the governing state law and the dispute resolution mechanism your counsel selects. Arbitration clauses, class-action waivers, and forum selection provisions are treated differently from state to state, and some state insurance regulators restrict them in consumer-facing materials. Do not publish this section until counsel has settled it.]
Your right to contact your state department of insurance about MC Financial LLC is not affected by these terms and cannot be waived.
11. General
If any provision of these terms is held unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver of it. These terms, together with the Privacy Policy and Licensing & Disclosures, are the entire agreement between you and us regarding this website.
12. Contact
MC Financial LLC dba MC Life Insurance
NPN 21622410
admin@mclifeinsurance.com · (843) 312-0212
[Insert the mailing address you use for official correspondence. A registered agent or PO box is fine for a remote brokerage.]