Terms of Service

Effective Date: May 1, 2022

These Terms of Service (“Terms”) govern your access to and use of the website, services, and content provided by M+A Risk Management (“Company,” “we,” “us,” or “our”). By accessing or using our website and services, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use our website or services.

1. Use of Our Services

You may use our services only for lawful purposes and in accordance with these Terms. You agree:

To provide accurate, current, and complete information when requesting a consultation or quote.

Not to use our site to transmit any unsolicited or unauthorized advertising or promotional material.

Not to attempt to interfere with the proper functioning of our website or services.

2. Insurance Services and Disclaimers

M+A Risk Management provides insurance consultations, quotes, and brokerage services through licensed agents.

All insurance coverage is subject to underwriting approval and the terms and conditions of the actual policy issued.

We do not guarantee coverage, pricing, or policy issuance until after your application has been reviewed and accepted by the carrier.

3. No Professional Advice

The content on our site is for informational purposes only. It does not constitute legal, financial, or professional insurance

advice. You should consult directly with a licensed advisor to receive advice tailored to your individual situation.

4. Third-Party Services

We may refer or link to third-party websites or services. We are not responsible for the content, accuracy, or reliability of these external sites. Access and use of third-party services are subject to their terms and policies.

5. Intellectual Property

All content on this website—including text, graphics, logos, icons, and design—is the property of M+A Risk Management or its licensors and is protected by copyright, trademark, and other applicable laws. You may not use, reproduce, or distribute our content without our express written consent.

6. Privacy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your personal information.

7. Limitation of Liability

To the maximum extent permitted by law, M+A Risk Management shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use our website or services.

8. Indemnification

You agree to indemnify and hold harmless M+A Risk Management and its affiliates, partners, officers, agents, and employees from any claim, loss, liability, or expense arising from your violation of these Terms or misuse of the website.

9. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated Effective Date. Continued use of our site or services after changes are made constitutes acceptance of those changes.