By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
1. Permission is granted to temporarily download one copy of the materials (information or software) on M&M Insurance Associates web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by M&M Insurance Associates at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The materials on M&M Insurance Associates web site are provided “as is”. M&M Insurance Associates makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, M&M Insurance Associates does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
In no event shall M&M Insurance Associates or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on M&M Insurance Associates Internet site, even if M&M Insurance Associates or M&M Insurance Associates authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
The materials appearing on M&M Insurance Associates web site could include technical, typographical, or photographic errors. M&M Insurance Associates does not warrant that any of the materials on its web site are accurate, complete, or current. M&M Insurance Associates may make changes to the materials contained on its web site at any time without notice. M&M Insurance Associates does not, however, make any commitment to update the materials.
M&M Insurance Associates has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by M&M Insurance Associates of the site. Use of any such linked web site is at the user’s own risk.
M&M Insurance Associates may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
Any claim relating to M&M Insurance Associates web site shall be governed by the laws of the State of Tennessee without regard to its conflict of law provisions.
General Terms and Conditions applicable to Use of a Web Site.
Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.
At M&M Insurance Associates, we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer this pledge:
M&M Insurance Associates is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy at M&M Insurance Associates, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder.
We will maintain a record of your information at the offices of M&M Insurance Associates so we can provide you with policyholder service. The employees of M&M Insurance Associates are each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.
When you purchase an insurance policy from M&M Insurance Associates, you will pay the premiums with your credit card or personal check. We do not keep a record of your credit card information. If you pay the premium using your personal check, we might keep a copy of your check in your file. When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address.
We may collect personal information from:
Our agency makes every effort to maintain absolute privacy while using our web site. If information is ever viewed by another party, it is purely accidental and by using our web site, you release us from any liability should this information be downloaded, viewed or retrieved against our privacy rules. We shall not be liable for any unlawful acts of others who steal this information through any means.
We do not sell nonpublic information to anyone. We do not disclose nonpublic personal information to our affiliates or to non-affiliated third parties, except as required or permitted by law. As permitted by law, we may share nonpublic information with companies that perform administrative or marketing services to us. Our contracts with such companies prohibit them from using nonpublic personal information for any purpose other than that for which they were hired.
Please contact our office at 316-264-9317 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone.
Statements on this website as to policies and coverage’s and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage’s pertain to their individual situation.
Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
Personal information about you, including information from a credit report and loss history may be collected from persons other than you in connection with this application for insurance and subsequent policy renewals. You have the right to review your personal information in our files and can request correction of any inaccuracies. Such information as well as other personal and privileged information collected by us or our agents may in certain circumstances be disclosed to third parties without your authorization to assist in servicing your account. A more detailed description of your rights and our practices regarding such information can be accessed by contacting your agent or broker and asking for additional details about our information and disclosure practices.
Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and (NY: substantial) civil penalties. (Not applicable in CO, HI, NE, OH, OK, OR, or VT; in DC, LA, ME, TN, VA and WA, insurance benefits may also be denied).
A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiting this Web site. We may utilize a short-lived form of cookie when you visit this site. At M&M Insurance Associates, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our Web site for more than 20 minutes. Should a previous visitor to our Web site return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.
This Web site may contain links to third party Web sites that are not controlled by M&M Insurance Associates. These third party links are made available to you as a convenience and you agree to use these links at your own risk. Please be aware that we are not responsible for the content of third party Web sites linked to us nor are we responsible for the privacy policy or practices of third party Web sites linked to M&M Insurance Associates. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with M&M Insurance Associates. If you should link to a third party Web site from M&M Insurance Associates, we strongly encourage you to review and become familiar with that Web site’s privacy policy.
We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes.
If you have any questions about our privacy policy, please feel free to contact us at 316-264-9317.
M & M Insurance Associates
By completing the Client Opt-In Form To Receive Text Messages (“Opt-In Form”), You expressly authorize M&M Insurance Associates and its employees, representatives, and agents (collectively, “M&M Insurance”) to send You non-marketing and marketing text messages at the mobile phone number You have provided. By completing the Opt-In Form, You also accept and agree to be bound by these Text Messaging Terms & Conditions (the “Terms & Conditions”).
You authorize M&M Insurance to send You text messages with information concerning your insurance policy, your account activity with M&M Insurance, and other M&M Insurance products, services, and promotions (all of the foregoing the “M&M Insurance Program”). Your consent covers all forms of text messaging M&M Insurance may use, including but not limited to Short Message Service (SMS) and Multimedia Messaging Service (MMS) messages sent on a person-to-person and application-to-person basis, and text messages sent using an automatic telephone dialing system.
You agree You will not use M&M Insurance Program text messages for any illegal or unlawful purpose. You understand insurance coverage may not be bound or amended via text message. Consent to receive M&M Insurance Program non-marketing or marketing text messages is not required to purchase any products or services from M&M Insurance.
Under the M&M Insurance Program, the number of text messages You receive from M&M Insurance will vary depending upon your account activity and your frequency of communication with M&M Insurance.
M&M Insurance does not impose a fee for sending You M&M Insurance Program text messages. However, as provided in your mobile telephone service rate plan, standard message and data rates may apply to each text message sent or received in connection with the M&M Insurance Program. Please contact your wireless service provider for pricing plans and information.
M&M Insurance Program text messages should be available through your mobile telephone or wireless device when You are within the operating range of your wireless service provider’s network. The M&M Insurance Program may not be available on all mobile telephones or wireless devices, or through all wireless service providers. All functionalities of the M&M Insurance Program may not be available on all mobile telephones or wireless devices, or through all wireless service providers. M&M Insurance may, from time to time, in its discretion and without notice to You, limit the wireless service providers that support the M&M Insurance Program. Certain wireless service providers may not support the M&M Insurance Program.
Delivery of information and content to your mobile telephone or wireless device may fail due to a variety of circumstances or conditions. The M&M Insurance Program is subject to transmission limitations or interruptions. You understand and acknowledge that mobile wireless network services are outside of the control of M&M Insurance, and M&M Insurance is not responsible or liable for issues arising therefrom, or the failure thereof, including, without limitation, technical, hardware, software, electronic, network, telephone or other communications malfunctions, errors or failures of any kind, errors in transmission, traffic congestion, lost or unavailable network connections, telephone connections, wireless phone connections, website, Internet, or ISP availability, unauthorized human intervention, outages, incomplete or inaccurate capture of entry information (regardless of cause) or failed, incomplete, garbled, jumbled or delayed transmissions which may limit or restrict your ability to receive or send messages, including any injury or damage to your or any other person’s mobile telephone or wireless device relating to or resulting from participating in or using the M&M Insurance Program. If the M&M Insurance Program is not available within your intended location, You agree that your sole remedy is to cease using the M&M Insurance Program.
To opt-in to M&M Insurance Program text messages, You must complete the Text Messaging Opt-In Form and submit it to M&M Insurance. You will then receive an initial text message from M&M Insurance confirming your successful enrollment.
You may opt-out of receiving text messages from M&M Insurance at any time. To revoke your consent and stop receiving text messages, text “STOP” to the ten-digit number from which the text messages are being sent. You will then receive a final message confirming you have successfully opted out of the M&M Insurance text messaging program. You may also opt out by providing written notice to M & M Insurance Associates, 1700 E. Douglas, Wichita, KS 67214; calling 800-289-5236 or 316-264-9317; or sending an email to info@m-minsurance.com or to your M&M Insurance agent or account manager.
You can receive help at any time by replying “HELP” to any text message from M&M Insurance. You may also receive help with questions about M&M Insurance text messages by providing written notice to M&M Insurance at M & M Insurance Associates, 1700 E. Douglas, Wichita, KS 67214; calling 800-289-5236 or 316-264-9317; or sending an email to info@m-minsurance.com or to your M&M Insurance agent or account manager.
You understand You will receive text messages from M&M Insurance at that mobile phone number You provided in your Opt-In Form. You represent and warrant that You are the account holder or authorized user of that mobile telephone number.
You agree to maintain accurate, complete, and up-to-date information with M&M Insurance regarding your use of the M&M Insurance Program, including, without limitation, notifying M&M Insurance in writing immediately if You change your mobile telephone number, or cease being the regular user of your mobile telephone number. You will not initiate text messages to or send text messages from the mobile phone number of any other person or entity.
You agree to indemnify and hold harmless M&M Insurance in full from all claims, losses, expenses, damages, judgments, costs, and fees, including reasonable attorneys’ fees, that may be imposed on, incurred by, or asserted against M&M Insurance, in any way relating to, caused by, or arising out of providing M&M Insurance a telephone number that You do not own, or your failure to notify M&M Insurance that your telephone number has changed or that You are no longer the regular user of your telephone number, including, but not limited to, all claims, expenses, damages, fees, and costs related to or arising under the Telephone Consumer Protection Act and related Federal Communications Commission implementing rules.
To enroll in the M&M Insurance Program and receive text messages, You must be a resident of the United States, eighteen (18) years of age or older, authorized to enroll the mobile phone number in the M&M Insurance Program, and authorized to incur mobile message or data charges, if any, resulting from participation. M&M Insurance may require You to prove the foregoing to participate in the M&M Insurance Program.
M&M Insurance’s privacy policy applies to your use of the M&M Insurance Program, and is hereby incorporated by reference, and may be accessed online at the following link https://m-minsurance.com/customer-resources/privacy.
M&M Insurance may revise, modify, or amend these Terms & Conditions at any time. Any such revision, modification, or amendment shall take effect when it is posted to the M&M Insurance website at https://m-minsurance.com/customer-resources/text-messaging-policy. You agree to review these Terms & Conditions periodically to ensure You are aware of any changes. Your continued consent to receive M&M Insurance Program text messages will indicate your acceptance of any changes.
M&M Insurance may suspend or terminate your receipt of text messages at any time if M&M Insurance believes You are in breach of any of these Terms & Conditions. Your receipt of M&M Insurance Program text messages is also subject to termination in the event that your mobile telephone service terminates or lapses. M&M Insurance reserves the right to modify or discontinue, temporarily or permanently, all or any part of the M&M Insurance Program, for any reason, with or without notice to You.
By participating in the M&M Insurance Program, You agree to release and hold harmless M&M Insurance and its representatives, agents, successors, assigns, employees, officers and directors, from any and all liability, for loss, harm, damage, injury, attorneys’ fees, cost or expense whatsoever including without limitation, property damage, personal injury and death that may occur in connection with the M&M Insurance Program, or your use thereof, and for any claims, matters, or disputes based on violation of law or infringement or violation of any rights of any person or entity, including, without limitation, violation of publicity rights, defamation, or invasion of privacy.
THE M&M INSURANCE PROGRAM IS PROVIDED AS IS, WHERE IS, AND WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS, IMPLIED, WRITTEN, ORAL OR ARISING UNDER CUSTOM OR TRADE. M&M INSURANCE DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSES AND NON-INFRINGEMENT.
In no event shall M&M Insurance be liable to You, or to any third party, for any losses or damages whatsoever arising out of or resulting from the M&M Insurance Program, or your use thereof, regardless of the theory of recovery, including, without limitation, direct, indirect, consequential, incidental or special damages, lost profits, punitive damages, attorney’s fees or any damages arising out of or resulting from a statutory or regulatory violation, negligence, gross negligence, strict liability, tortious conduct, willful misconduct or fraud, breach of contract, or breach of warranty. To the extent this damage waiver is contrary to applicable law, your or any third party’s maximum recovery for any losses or damages whatsoever arising out of or resulting from the M&M Insurance Program, or your use thereof, regardless of the theory of recovery, is $10.00.
ALL DISPUTES, MATTERS, OR CLAIMS BETWEEN YOU AND M&M INSURANCE ARISING OUT OF OR RELATING IN ANY WAY TO THESE TERMS & CONDITIONS, ANY TEXT MESSAGES BETWEEN YOU AND M&M INSURANCE OR ANYONE ACTING ON YOUR OR M&M INSURANCE’S BEHALF, OR THE M&M INSURANCE PROGRAM, REGARDLESS OF THE THEORY OF LIABILITY OR RECOVERY, MUST BE RESOLVED SOLELY BY ARBITRATION CONDUCTED EXPEDITIOUSLY IN ACCORDANCE WITH THE AMERICAN ARBITRATION ASSOCIATION CONSUMER ARBITRATION RULES (“AAA RULES”) BY A SOLE ARBITRATOR SELECTED BY THE PARTIES TO THE DISPUTE FROM THE NATIONAL OR KANSAS PANEL OF ARBITRATORS. ALL DISPUTES, MATTERS, OR CLAIMS BETWEEN YOU AND M&M INSURANCE INCLUDES, WITHOUT LIMITATION, ANY ACTUAL OR ALLEGED STATUTORY OR REGULATORY VIOLATION, EQUITABLE CLAIM, NEGLIGENCE, GROSS NEGLIGENCE, STRICT LIABILITY, TORTIOUS CONDUCT, WILLFUL MISCONDUCT OR FRAUD, BREACH OF CONTRACT, BREACH OF WARRANTY, AS WELL AS ALL DISPUTES, MATTERS, OR CLAIMS ARISING OUT OF OR RELATING IN ANY WAY TO THE ARBITRATION & CLASS ACTION WAIVER PROVISION OR THE RELEASE OF CLAIMS, NO WARRANTIES, & LIMITATION OF LIABILITY PROVISION.
This agreement to arbitrate is intended to be broadly interpreted, and expressly includes disputes, matters, or claims brought under the Telephone Consumer Protection Act and Federal Communications Commission rules, or any other statute, regulation, or legal or equitable theory. THIS PROVISION MUST CONSTRUED IN ACCORDANCE WITH, AND THE ARBITRATION MUST BE GOVERNED BY, THE FEDERAL ARBITRATION ACT (9 U.S.C. § 1 et seq.). ANY JUDGMENT UPON THE DECISION RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY COURT HAVING JURISDICTION. UNLESS OTHERWISE REQUIRED BY LAW, THE ARBITRATOR IS PROHIBITED FROM AWARDING DAMAGES IN EXCESS OF THE LIMITATIONS SET FORTH IN THESE TEXT MESSAGING TERMS & CONDITIONS.
ARBITRATION PROCEEDINGS MAY BE COMMENCED BY EITHER PARTY TO THIS AGREEMENT BY DELIVERING TO THE OTHER PARTY A WRITTEN NOTICE IN ACCORDANCE WITH THE AAA RULES. ANY ARBITRATION HEARING SHALL BE HELD IN KANSAS, UNLESS THE PARTIES TO THE DISPUTE AGREE OTHERWISE. ANY JUDGMENT RENDERED BY ARBITRATION SHALL BE FINAL AND BINDING ON THE PARTIES, AND MAY BE ENTERED IN ANY COURT OF COMPETENT JURISDICTION. NOTWITHSTANDING ANY AAA RULES TO THE CONTRARY, THE AWARD OF THE ARBITRATOR MUST BE MADE NO LATER THAN THREE (3) MONTHS FOLLOWING THE DATE ON WHICH THE ARBITRATOR IS APPOINTED, UNLESS THE ISSUE IS THE SUBJECT OF LITIGATION BROUGHT BY A THIRD PARTY AND THE ARBITRATOR DEEMS IT APPROPRIATE TO DEFER ITS AWARD UNTIL THE LITIGATION IS RESOLVED.
The resolution of any claims, matters, or disputes must proceed solely on an individual basis without the right for any claims, matters, or disputes to proceed on a class action or collective basis or on bases involving claims, matters, or disputes brought in a purported representative capacity on behalf of others. The arbitrator’s authority to resolve and make written awards is limited to claims, matters, and disputes between You and M&M Insurance alone. Claims, matters, or disputes may not be joined or consolidated unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues, claims, matters, or disputes with anyone who is not a named party to the arbitration.
In the event of any claim, matter, or dispute between You and M&M Insurance arising out of or relating in any way to these Terms & Conditions, any text messages between You and M&M Insurance or anyone acting on your or M&M Insurance’s behalf, or the M&M Insurance Program, M&M Insurance, if it prevails, must be awarded all costs of bringing or defending the claim, matter, or dispute, including, without limitation, reasonable attorneys’ fees and the ordinary costs and expenses incurred in resolving the claim, matter, or dispute, including, without limitation, all arbitration related fees and expenses.
The laws of the State of Kansas, including its statutes of limitations and without reference to any conflict of laws principles, shall be applied to any claim, matter, or dispute between the parties or when governing, construing, or enforcing these Terms & Conditions, the M&M Insurance Program, or any text messages between You and M&M Insurance or anyone acting on your or M&M Insurance’s behalf, or any of the rights, duties, or obligations of the parties arising from or relating in any way to the subject matter of these Terms & Conditions.
If You have questions regarding these Terms & Conditions, You may reach us at M&M Insurance at M & M Insurance Associates, 1700 E. Douglas, Wichita, KS 67214; by calling 800-289-5236 or 316-264-9317; or sending an email to info@m-minsurance.com or to your M&M Insurance agent or account manager
