Terms and Conditions
Use of this website signifies your agreement with these terms and conditions.
Online Service Agreement:
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
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.
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:
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.
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
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:
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.
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:
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.