Terms of Use

Please read these Terms of Use carefully before using this web site. By accessing and using this web site you are agreeing to be bound by these Terms of Use. McAdams Industries, Inc. and its affiliated companies reserve the right to modify these Terms of Use at any time. Please check this page regularly; your continued use of this site will constitute your acceptance of any revisions to the Terms of Use.

Proprietary Information
All information provided by McAdams Insurance Agencies and its affiliated companies (collectively "McAdams") through their web sites or e-mail transmissions is owned by McAdams. McAdams retains all proprietary rights to McAdams information. All unauthorized use of published information is strictly prohibited without prior written permission. You may, however, copy or print without alteration documents published on our sites or transmitted via e-mail for noncommercial use within your organization provided that all copyright and other proprietary notices appear in all copies in the same manner as the original.

No portion of this web site or any other intellectual property of McAdams may be used on any other web site, in the source code of any other web site or in any other printed or electronic materials, except as expressly provided herein. Linking from another web site to any page in this web site is strictly prohibited without prior written permission. McAdams assumes no responsibility for any material outside of McAdams owned web sites that is accessed by any hypertext or other computer link through any of our web sites. Any attempt or act by you, directly or indirectly, to disrupt, impair or interfere with, alter or modify any McAdams owned web site, e-mail server or proprietary information is strictly prohibited.

Products and Services
The information contained in McAdams web sites is intended as general information and does not constitute complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by McAdams. Insurance coverage provided by McAdams is limited to actual policies issued and is subject to the terms and conditions stated in the policies. Product availability varies by state and the individual circumstances of each applicant. The on-line completion of a McAdams Survey creates no express or implied obligation on the part of McAdams to offer a quote or provide insurance as requested.

Privacy
Please review our Privacy Policy which also governs your visit to McAdams web sites.

Disclaimer of Warranty
The content and materials in McAdams web sites are provided "as is". McAdams expressly disclaims all warranties, express or implied, with respect to McAdams sites and the material contained therein. This includes, but is not limited to, warranties that the material is of any particular level of quality or is fit for a particular purpose; that the functions or operations of this site will be uninterrupted or error-free; that defects will be corrected; that our web sites, e-mail sent from McAdams or the servers that make them available are free of viruses or other harmful components or conditions; or that the information contained in the sites is accurate of any particular date. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability
McAdams shall not be responsible for any injury, loss, claim or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability, or otherwise, which arises out of (1) the use of, or the inability to use, McAdams sites or the information found on McAdams sites; (2) use of, or the inability to use, any site to which you hyperlink from our sites; (3) failure of performance; (4) error, omission, interruption, defect or delay in operation or transmission; (5) computer virus; or (6) line failure. McAdams is not liable for any consequential or incidental damages, damages reasonably expected to result from a loss or injury or other miscellaneous damages and expenses resulting directly from a loss or injury. In addition, McAdams is not liable even if we have been negligent or if we have been advised of the possibility of damages.

Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions may not apply to you in their entirety. Our liability to you for all losses of any kind, regardless of the legal theory for the claim, is limited, in any event, to the amount you have paid to access our sites.