Terms of Use

Acceptance of Terms

By accessing and using the McDonald Financial and Insurance Services, Inc. website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Service Description and Limitations

What We Provide

McDonald Financial and Insurance Services, Inc. provides:

• Insurance Brokerage Services: Assistance with individual, family, Medicare, dental, and vision insurance plans
• Financial Protection Planning: Life insurance and estate planning consultation
• Educational Information: General information about insurance and financial planning options
• Plan Comparisons: Analysis of available insurance products and their features
• Enrollment Assistance: Help with insurance application and enrollment processes

Professional Licensing

Our services are provided by licensed insurance professionals in compliance with state regulations. All insurance recommendations are made within the scope of our professional licensing and expertise.

Website Use and Restrictions

Permitted Use

You may use our website to:

• Learn about our services and insurance options
• Request quotes and consultations
• Submit contact information for follow-up
• Access educational content about insurance and financial planning

Prohibited Activities

You agree NOT to:

• Use the website for any unlawful purpose or fraudulent activity
• Provide false, misleading, or incomplete information
• Attempt to gain unauthorized access to our systems or data
• Copy, reproduce, or distribute our content without permission
• Use automated systems to access or scrape our website
• Interfere with the website's functionality or security
• Submit spam, malware, or malicious content

Client Responsibilities

Accurate Information

When requesting our services, you agree to:

• Provide Truthful Information: All personal, financial, and health information must be accurate and complete
• Update Changes: Notify us promptly of any changes to your circumstances
• Review Documentation: Carefully review all quotes, applications, and policy documents
• Ask Questions: Seek clarification on anything you don't understand

Decision Making

You understand and agree that:

• Final insurance purchasing decisions are your responsibility
• You should carefully review all policy terms and conditions
• We provide guidance, but you make the ultimate choices about coverage
• You are responsible for paying premiums and maintaining your policies

Disclaimers and Limitations of Liability

Information Accuracy

While we strive to provide accurate and up-to-date information:

• Insurance plan details, pricing, and availability change frequently
• All quotes and estimates are subject to insurance carrier approval
• We are not responsible for errors in third-party information
• Final policy terms are determined by the insurance carrier

Service Availability

We cannot guarantee:

• Continuous, uninterrupted website access
• That all insurance products will be available to all applicants
• Specific response times for quotes or inquiries
• That our services will meet all of your specific needs

Intellectual Property

Our Content

The content on this website, including text, graphics, logos, and design elements, is owned by McDonald Financial and Insurance Services, Inc. and is protected by copyright and other intellectual property laws.

Permitted Use of Content

You may:

• View and print content for personal, non-commercial use
• Share links to our website and specific pages
• Reference our information with proper attribution

Restrictions

You may NOT:

• Reproduce, duplicate, or copy substantial portions of our content
• Use our content for commercial purposes without permission
• Modify, distribute, or create derivative works from our content
• Remove copyright notices or attributions

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Key Privacy Points

• We collect only information necessary to provide our services
• Your information may be shared with insurance carriers for quotes and applications
• We maintain security measures to protect your data
• You have rights regarding your personal information

Third-Party Links and Services

Our website may contain links to third-party websites, including:

• Insurance carrier websites
• Government health insurance marketplaces
• Educational resources
• Partner organizations

Termination

Your Rights

You may stop using our website and services at any time. If you wish to terminate our business relationship, please contact us to discuss the status of any ongoing applications or policies.

Our Rights

We reserve the right to:

• Terminate or suspend access to our website for violations of these terms
• Refuse service to anyone for any lawful reason
• Modify or discontinue website features or services
• Update these terms as necessary for legal compliance or business reasons

Dispute Resolution

Governing Law

These Terms of Use are governed by the laws of the State of Minnesota, without regard to conflict of law principles.

Dispute Resolution Process

In the event of any disputes:

1. Direct Communication: Contact us first to resolve the matter directly
2. Good Faith Negotiation: We will work together to find a fair resolution
3. Legal Action: If necessary, disputes will be resolved in Minnesota state courts

Changes to Terms

We may update these Terms of Use from time to time to reflect:

• Changes in our services or business practices
• New legal requirements or regulations
• Industry best practices
• Customer feedback and needs

We will post updated terms on this page and update the "Last Updated" date. Continued use of our website after changes constitutes acceptance of the new terms.