Terms of Use

Thank you for visiting www.mcinnisinsurance.com (this “Site”), which is owned by McInnis Insurance Agency, Inc. (referred to as “us” or “we”). This Site provides an interactive online service consisting of information services and content and transaction capabilities facilitated by us and by our affiliates offering insurance related services, information and education.

These Terms of Use (“Terms of Use”) govern your use of this Site.

Effective Date

October 17, 2012

Your Acceptance of These Terms of Use

These Terms of Use apply to all visitors to this Site. By accessing and using this Site you are agreeing to comply with and be bound by these Terms of Use. If you do not agree to these Terms of Use, you may not access or use this Site.

Questions Concerning These Terms of Use

If you have any questions about this Site or these Terms of Use, please contact us by email or by mail at 119 Pearl Street, Post Office Box 610, Minden, LA 71058-0610.

These Terms of Use May Change

We reserve the right to update or modify these Terms of Use at any time, without prior notice, by posting the revised version of these Terms of Use behind the link marked “Terms of Use” at the bottom of each page of this Site. These changes will be effective as of the date we post the revised version on this Site, except that these changes will not apply to Insurance purchased prior to the effective date of such changes. Your continued use of this Site after we have posted the revised Terms of Use constitutes your agreement to be bound by the revised Terms of Use.

For your convenience, whenever these Terms of Use are changed, we will alert you by posting a notice on our home page for sixty (60) days. We will update the “effective date” at the top of this page. If more than sixty (60) days goes by between your visits to this Site, be sure you check the effective date to see if these Terms of Use have been revised since your last visit.

You may access the current version of these Terms of Use at any time by clicking on the link marked “Terms of Use” at the bottom of each page of this Site.

Your Acceptance of Our Privacy Policy

By agreeing to these Terms of Use, you agree to the terms of our Privacy Policy, which is expressly incorporated herein. Before using this Site, please carefully review our Privacy Policy. All personal information provided to us through this Site will be handled in accordance with our Privacy Policy.

Your Consent to Other McInnis Insurance Agency, Inc. Agreements

We may also require you to follow additional rules, guidelines or other conditions to sign up to use various special features or password-protected areas of this Site, to participate in certain promotions or activities available through this Site, or for other reasons. In such cases, you may be asked to expressly consent to these additional terms, for example, by checking a box or clicking on a button marked “I agree.” This type of agreement is known as a “click-through” agreement. If any of the terms of a click-through agreement are different than the terms of these Terms of Use, the terms of the click-through agreement will supplement or amend these Terms of Use, but only with respect to the matters governed by the “click-through agreement.”

Ownership of this Site and its Content

This Site, including all of the software and code comprising or used to operate this Site, and all of the text, photographs, images, illustrations, graphics, sound recordings, video and audio-video clips, and other materials available on this Site, including without limitation content submitted by users of this Site (collectively “Content”) are protected under applicable intellectual property and other laws, including without limitation the laws of the United States and other countries. All Content and intellectual property rights therein are the property of McInnis Insurance Agency, Inc. or the material is included with the permission of the rights owner and is protected pursuant to applicable copyright and trademark laws.

The presence of any Content on this Site does not constitute a waiver of any right in such Content. You do not acquire ownership rights to any such Content viewed through this Site. Except as otherwise provided herein, none of this Content may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without our express prior written permission.

Permission is hereby granted to the extent necessary to lawfully access and use this Site and to display, download, or print portions of this Site on a temporary basis and for your personal, educational, noncommercial use only, provided that you (i) do not modify the Content; (ii) you retain any and all copyright and other proprietary notices contained in the Content; and (iii) you do not copy or post the Content on any network computer or broadcast the Content in any media.

In addition, you may not collect personal information of Site members by electronic or other means for use in marketing or telemarketing applications or for the purpose of sending unsolicited email to those members. You may not frame any page of this Site and you may not link to any page of this Site other than the home page without prior authorization.

Responsibility for User Generated Content Posted On or Through this Site

In these Terms of Use, “User Generated Content” refers to all of the text, photographs, images, illustrations, graphics, sounds, video, audio-video clips, and other content you post on or through this Site using the social networking tools we make available to Site members.

You are responsible for User Generated Content you post on or through this Site. You are solely responsible for the User Generated Content that you post on or through this Site. Under no circumstances will we be liable in any way for any User Generated Content posted on or through this Site. Such User Generated Content may be posted on or accessed through this Site in our