Terms of Use


We are delighted to welcome you to M&A Insurance & Financial Services, Inc. Website. This site is offered to you, the user, conditioned upon your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this website constitutes your acceptance and agreement to all such terms, conditions and notices. If you do not agree to the terms and conditions of use, you may not access or otherwise use this website.


Use Limitations

This website is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from this website, except as follows:

You may download and make copies of the content and other downloadable items displayed on this Site for personal, noncommercial use only, provided that you maintain all copyright and other notices contained in such content. Copying or storing of any content for other than personal, noncommercial use is expressly prohibited without the prior written permission from M&A, or the copyright holder identified in this individual contents copyright notice.


Notices

M&A owns the compilation copyright to this website. M&A Insurance & Financial Services, Inc. 2015 all rights reserved.


Liability Disclaimer

The information and other material published on this website may include inaccuracies or typographical errors. Changes are periodically made to the information contained herein. M&A reserves the right to change the website at any time, in its discretion. M&A does not warrant that the functions contained in the website or any materials or content contained therein will be uninterrupted or error free, that defects will be corrected, or that the website or the server that makes it available is free of viruses or other harmful components. M&A and its subsidiaries and affiliates shall not be liable for the use of the website, including, without limitation, the content and any errors contained therein.


M&A MAKES NO REPRESENTATION ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, MATERIALS, PRODUCTS OR SERVICES CONTAINED OR DISCUSSED ON THIS WEBSITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, MATERIALS, PRODUCTS OR SERVICES ARE PROVIDED "AS IS" TO THE FULLEST EXTENT PERMISSIBLE BY LAW WITHOUT WARRANTY OF ANY KIND AND ALL WARRANTIES, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES, CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, ARE EXPRESSLY DISCLAIMED. IN NO EVENT SHALL M&A BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, MATERIALS, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED WEBSITE. WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF M&A HAS BEEN ADVISED OR THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.


M&A DOES NOT REPRESENT OR ENDORSE THE ACCURACY OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE WEBSITE. YOU ACKNOWLEDGE THAT ANY RELIANCE UPON SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. M&A RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE WEBSITE. M&A DOES NOT AND CANNOT REVIEW ALL MATERIALS POSTED TO THE WEBSITE BY USERS, AND M&A IS NOT RESPONSIBLE FOR ANY SUCH MATERIALS POSTED BY USERS. HOWEVER, M&A RESERVES THE RIGHT AT ALL TIMES TO DISCLOSE ANY INFORMATION AS NECESSARY TO SATISFY ANY LAW, REGULATION OR GOVERNMENT REQUEST, OR TO EDIT, REFUSE TO POST OR TO REMOVE ANY INFORMATION OR MATERIALS, IN WHOLE OR IN PART, THAT IN M&A'S SOLE DISCRETION ARE OBJECTIONABLE OR IN VIOLATION OF THIS AGREEMENT.


No Unlawful or Prohibited Use

As a condition of your use of this website, you warrant and represent to M&A that you will not use this website for any purpose that is unlawful, violates any third party's rights, or is prohibited by these terms, conditions and notices.


Links to Third Party Websites

This website may contain links to Sites operated by third parties. Such links are provided for your reference only. M&A does not control such websites, and is not responsible for their content. The inclusion of such links within this website does not suggest any endorsement of the material on such websites or any association with their operators.


Monitoring

M&A may monitor your use of this website, and subject to M&A’s Internet Privacy Statement, M&A may freely use and disclose any information and materials received from you or collected through your use of this website for any lawful reason or purpose.


Changes in Website

M&A may change, suspend or discontinue any aspect of the website at any time without notice, including the availability of any website feature, database or content. M&A may also impose limits on certain features and services or restrict your access to parts or all of the website without notice or liability.


Mobile

M&A Mobile includes any program or service accessed or used via your mobile telephone and the software modules operating within M&A’s mobile environment and appearing on your mobile device that provide you access to a variety of content and services.

If you choose to participate in any M&A program that involves the use of text messaging (either sending or receiving), M&A will not charge you for the text messaging; however, standard text messaging rates will apply to each text message sent or received as provided in your wireless rate plan (contact your carrier for pricing plans and details).


Your Representations

You represent, warrant and covenant that: (a) you shall not upload, post or transmit to or distribute or otherwise publish through the website any materials which (i) restrict or inhibit any other user from using and enjoying the website, (ii) are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent, (iii) constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate law, (iv) violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, patent, rights of privacy or publicity or any other proprietary right, (v) contain a virus or other harmful component, (vi) contain any information, software or other material of a commercial nature, (vii) contain advertising of any kind, or (viii) constitute or contain false or misleading indications of origin or statements of fact; and (b) that you are at least eighteen (18) years old.


Your Indemnification

You hereby agree to indemnify, defend and hold M&A, and all its officers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of this Agreement or the foregoing representations, warranties and covenants, including, without limitation, attorneys fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. M&A reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of M&A.


Service Contact

If you have any questions about this website or have technical problems in accessing information on our website, please contact us using the information provided on the Contact Us page.


Modification

M&A reserves the right to change the terms, conditions and notices under which this site is offered.


Governing Law

This Agreement is governed by the laws of the State of Florida applicable to agreements entered into and wholly to be performed therein. You hereby consent to the exclusive jurisdiction and venue of the state and federal courts within Miami-Dade County, Florida for the resolution of all disputes arising out of use of this website. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including, without limitation, this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and M&A as a result of this Agreement or use of the website. You agree not to combine any claim you have arising out of the Internet Privacy Statement with the claims of others.


Legal Process

This Agreement is subject to existing laws and legal process. Nothing in this Agreement shall derogate M&A's right to comply with law enforcement requests or requirements relating to your use of this website or information provided to or gathered by M&A with respect to such use.


Invalidity

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.


Entire Agreement

This Agreement contains the entire agreement between you the user and M&A with respect to this website. It supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the use and M&A with respect to this website.


M&A Social Media Terms of Use

The purpose of the M&A Insurance & Financial Services, Inc. (“M&A”) social media sites are to share up-to-date information with our members, agents, employers, providers, and the public (“Visitors”). All information, including comments, photographs, statements and opinions (“Content”) by Visitors on M&A’s social media sites does not reflect the opinions, policies and/or ideas of M&A and/or its employees, officers, and directors. M&A accepts no responsibility for the Content by Visitors, and M&A does not endorse this Content.


Visitors should not post, upload or attach Content:

•which contains personal health information, financial and/or other private information of any person or entity;

•which is threatening, defamatory, pornographic, intimidating, abusive, obscene, discriminatory, indecent, misleading, and or harassing;

•which infringes and/or violates the copyright or intellectual property rights of a third party or person;

•which is spam or advertises or offers to sell personal goods, products and/or services;

•which is unlawful, illegal, and/or does not comply with the law; and/or,

•which contains viruses, worms or corrupted files.


M&A regularly monitors Visitor postings on its social media sites. M&A reserves the right, in its sole discretion, to remove at any time any Content posted by Visitors for any reason including if M&A deems such Content inappropriate.

The information provided by M&A on its social media sites is not intended used for medical advice, diagnosis or treatment. Always seek the advice of a qualified health care provider with any questions regarding personal health or medical conditions. Do not rely on anything you have read on this Facebook page in deciding to seek or obtain medical advice, even if the person who posted the information claims to be a health care professional or otherwise. For issues related to health insurance claims, please contact customer service through the number on the back of your ID card. This site is not intended as a customer response/service site.

M&A appreciates Visitor feedback. By posting Content and files on M&A’s social media sites, Visitors understand that they are providing information voluntarily, with no expectation of compensation. M&A may use, modify, reproduce, and/or distribute these Materials and files for its own business purposes without payment and in accordance with applicable law

Last revised August 21, 2015.