Terms of Service

Agreement to Terms

By accessing or using the MM Insurance website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

Description of Services

MM Insurance provides insurance brokerage services, including but not limited to life insurance, health insurance, disability insurance, critical illness insurance, group benefits, and travel insurance. We act as an independent broker, representing clients in their dealings with multiple insurance carriers.

No Insurance Advice Disclaimer

The information provided on this website is for general informational purposes only and does not constitute insurance, financial, or professional advice. The content should not be relied upon as a substitute for professional consultation tailored to your specific circumstances.

Insurance products have terms, conditions, limitations, and exclusions that are not fully described on this website. Coverage availability, features, costs, and exclusions vary by province and insurance carrier.

Licensing and Regulation

Michael Mlotek is a licensed life and health insurance agent in Ontario, British Columbia, and Alberta. Insurance services are regulated by the Financial Services Regulatory Authority of Ontario (FSRA) and equivalent bodies in other provinces where services are provided.

User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information
• Not misrepresent your identity or circumstances
• Use the website only for lawful purposes
• Not attempt to interfere with the website's functionality
• Not reproduce, distribute, or create derivative works from website content without permission

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of MM Insurance or its content suppliers and is protected by Canadian and international copyright laws. Unauthorized use of any content is prohibited.

Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only and do not signify endorsement. We are not responsible for the content or practices of linked websites.

Limitation of Liability

To the fullest extent permitted by law, MM Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the website or services, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising from your use of the website or services shall not exceed the amount paid by you, if any, for accessing the website.

Indemnification

You agree to indemnify and hold harmless MM Insurance, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of the website or violation of these Terms.

Insurance Application Process

Submitting an inquiry or quote request through this website does not constitute an insurance application. Formal applications are submitted separately to insurance carriers with your authorization. Coverage is not in effect until a policy is issued and the required premium is paid.

Privacy

Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or your use of the website shall first be addressed through good-faith negotiation. If resolution cannot be reached, disputes shall be submitted to binding arbitration in Toronto, Ontario, in accordance with the Arbitration Act, 1991 (Ontario).

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MM Insurance regarding your use of the website and services.

Contact Information

For questions about these Terms of Service, please contact us:

Michael Mlotek
MM Insurance
Phone: 416-455-7496
Email: michael@mminsurance.ca