Use of this website signifies your agreement with these terms and conditions.

Online Service Agreement:

By accessing or using this site, you agree to be bound by all the terms and conditions below, which are intended to be fully effective and binding upon the Spalding Insurance Agency, Inc. (The Provider) and the users. The Provider may modify this agreement at any time, and such modifications shall be effective immediately upon posting the modified agreement.
The information contained in this website is not intended nor implied to be a substitute for financial or legal advice relating to your specific situation.

Other websites:

If you choose to leave our website by links to other sites, or by other means, including any advertisers, we are not responsible for the privacy policies or content of those sites, nor are we responsible for any “cookies” other sites may place on your computer hard drive.

Limitation of Liability and Disclaimer of Warranty:

Neither the Provider, nor any of its affiliates, officers, employees or directors, nor any third party will be liable or have any responsibility of any kind for any loss or damage that you incur from the use of this website, or in the event of any failure or interruption of this website, or resulting from the act or omission of any other party involved in make this site or the information contained herein, or from any other cause relating to your access to, inability to access, or use of the site or the information herein.

The Provider shall not be liable for any losses or damages incurred by you or others related in any to your use of the services, information and products provided on this website. In no event will the Provider or any related parties be liable to you for any direct, indirect, incidental, consequential, or special damages, or other damages arising from your use of this website or any other website that you may access from this website.

The Provider shall not be liable for any harm caused to your hardware, software, data, or other property through your use of this website or any other, as a result of any device, computer code, virus or other means. The Provider makes no representation and assumes no liability for the quality, suitability, accuracy, or safety of any information or software found on any other website.

Copyright and Property Rights:

The information, products and services provided on this website are offered only for your personal, non-commercial viewing and use. If you print or download any information from this website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any information.

The information, products and services provided on this website are the property of the Provider and are protected by applicable copyright, patent, trademark or other intellectual property law. Except as may be expressly authorized by the Provider, you may not reproduce, publish, sell, distribute, display, transmit, broadcast, modify, license, disseminate, create derivative works from or commercially exploit such information or any of the information, products, or services provided in any manner by the Provider without written consent of the Provider.

Law and Remedies:

All rights and remedies given to the Provider in this agreement are cumulative and not exclusive of any other rights or remedies that the Provider may otherwise have by law or equity. This agreement and all the terms herein shall be governed by and construed in accordance with the laws of the State of Michigan.