Munro Insurance Services

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Munro Insurance Services LLC Terms and Conditions

INTRODUCTION 

Welcome to Munro Insurance Services LLC! These Terms and Conditions (“Terms”, “Terms and Conditions”) govern your relationship with the Munro Insurance Services LLC website (the “Service”) operated by Munro Insurance Services LLC (“us”, “we”, or “our”). Please read these Terms and Conditions carefully before using our Service.

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you do not have permission to access the Service.

  • Accounts 
  • Intellectual Property
  • Links to Other Websites
  • Termination
  • Indemnification
  • Limitation of Liability
  • Disclaimer
  • Governing Law
  • Changes to Terms
  • Contact Us

Accounts

When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Munro Insurance Services LLC and its licensors.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by Munro Insurance Services LLC.

Munro Insurance Services LLC has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Munro Insurance Services LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Indemnification

You agree to defend, indemnify, and hold harmless Munro Insurance Services LLC and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.

Limitation of Liability

In no event shall Munro Insurance Services LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Munro Insurance Services LLC, its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure, or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the state of California, United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

Automated Text Messaging Program

By opting into our automated text messaging program, you agree to receive SMS messages from Munro Insurance Services LLC (“we,” “us,” or “our”) regarding inquiries, insurance sales, and other communications related to our insurance services.

Opting In

Customers may opt into our text messaging program by texting START to the designated number provided on our website, over the phone, via email, advertising, or other methods we may offer.

Message Frequency

Message frequency will vary based on our assessment of your needs. You may receive more or fewer messages than our other customers depending on your interaction with us.

Message and Data Rates

Message and data rates may apply. Check with your mobile carrier for details on any charges related to text messages received from Munro Insurance Services LLC.

HELP and STOP Commands
  • For assistance, text HELP to our designated number for customer support.
  • To opt out, text STOP at any time to discontinue receiving messages. Upon opting out, you will receive a final confirmation message and will no longer receive further texts unless you re-enroll.
No Guarantee of Message Delivery

We do not guarantee that messages will be delivered or received and are not responsible for delays or failure in message transmission due to mobile network issues.
Types of Messages

By opting into our automated text messaging program, you may receive messages related to inquiries, policy updates, billing reminders, renewal notices, promotional offers, and other communications regarding our insurance services. These messages may include important account-related notifications, service alerts, and marketing messages tailored to your interests. The content and purpose of the messages will depend on your engagement with Munro Insurance Services LLC and the specific campaigns or services you have subscribed to.

Third-Party Carriers

Mobile carriers are not liable for delayed or undelivered messages.

By opting in, you confirm that you are the authorized user of the mobile number provided and that you consent to receive messages from us in accordance with these Terms.

Contact Us

If you have any questions about these Terms, please contact us