Welcome to McClora Group Insurance (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, products, and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree, you may not use our services.
1. Eligibility
By using our services, you represent and warrant that:
You are at least 18 years old (or the age of majority in your jurisdiction).
You have the legal capacity to enter into a binding agreement.
You will use our services only for lawful purposes and in compliance with all applicable laws.
2. Services Provided
McClora Group Insurance offers a range of insurance-related products and services, including but not limited to:
Insurance policy sales and management
Claims processing and support
Risk assessment and underwriting
Customer service and consultation
We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.
3. Account Registration & Responsibilities
To access certain services, you may be required to create an account. You agree to:
Provide accurate, current, and complete information.
Keep your login credentials secure and confidential.
Notify us immediately of any unauthorized use of your account.
You are responsible for all activities conducted under your account.
4. Use of Services
You agree not to:
Misuse or attempt to gain unauthorized access to our systems or networks.
Provide false or misleading information during insurance applications.
Use our services for fraudulent or unlawful activities.
Interfere with the operation or security of our website and services.
We may suspend or terminate your access if we determine that you have violated these Terms.
5. Insurance Policies & Coverage
Insurance products are subject to eligibility, underwriting approval, and the terms outlined in your individual policy documents.
Policy terms, conditions, premiums, and coverage limits are determined by your contract with McClora Group Insurance.
In case of discrepancies, the official insurance policy documents will prevail over these Terms.
6. Payments & Billing
You agree to pay all applicable premiums, fees, and charges associated with your insurance coverage.
Payment terms (due dates, methods, grace periods) will be outlined in your policy documents.
Failure to make timely payments may result in policy cancellation or denial of coverage.
7. Claims & Disputes
All claims must be submitted in accordance with your policy terms.
Providing false, misleading, or incomplete information may result in denial of claims.
We reserve the right to investigate and verify all claims.
8. Intellectual Property
All content on our website and services (including text, graphics, logos, software, and design) is the property of McClora Group Insurance or its licensors. You may not copy, distribute, or reproduce any materials without our prior written consent.
9. Third-Party Services
Our website may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of third-party providers. Accessing third-party services is at your own risk.
10. Privacy
Your use of our services is also governed by our [Privacy Policy], which explains how we collect, use, and protect your personal information.
11. Limitation of Liability
To the maximum extent permitted by law:
McClora Group Insurance is not liable for indirect, incidental, or consequential damages arising from your use of our services.
We do not guarantee uninterrupted or error-free service.
Our liability is limited to the amount you paid for services directly related to the claim.
12. Indemnification
You agree to indemnify and hold harmless McClora Group Insurance, its employees, affiliates, and partners from any claims, damages, losses, or expenses arising from:
Your violation of these Terms.
Your misuse of our services.
Any disputes related to your insurance policy or coverage.
13. Termination
We reserve the right to suspend or terminate your access to our services at any time, without notice, if you violate these Terms or engage in unlawful activity.
14. Governing Law & Dispute Resolution
These Terms are governed by the laws of [Insert Country/State].
Any disputes shall first attempt resolution through negotiation.
If unresolved, disputes will be subject to arbitration or the jurisdiction of the courts in [Insert Jurisdiction].
15. Changes to These Terms
We may update these Terms from time to time. Updates will be posted on our website with the revised date. Continued use of our services after changes indicates acceptance of the updated Terms.
16. Contact Us
If you have any questions about these Terms of Service, please contact us:
McClora Group Insurance
Memphis, TN 38118, USA
Copyright © 2025 McClora Group - All Rights Reserved.