Terms of Service

Last Updated: November 10, 2026

1. Acceptance of Terms

By accessing and using the website of MACKOUL GROUP OF FLORIDA, LLC ("we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website.

We reserve the right to modify these Terms at any time. Your continued use of the website after any changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

2. Description of Service

MACKOUL GROUP OF FLORIDA, LLC provides professional insurance consulting and risk management services. Our website serves as an informational platform where visitors can:

• Learn about our services and expertise
• Contact us for consultations and inquiries
• Access educational content about insurance and risk management
• Submit requests for information about our services

We provide informational and professional consulting services related to insurance and risk management. We do not sell insurance policies, and we are not an insurance agency or brokerage.

3. Eligibility

To use our website and services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Provide accurate and truthful information when requested
• Not be prohibited from using the website under applicable laws

4. User Responsibilities

When using our website, you agree to:

• Provide accurate and complete information when submitting forms or inquiries
• Use the website only for lawful purposes
• Not impersonate any person or entity
• Not provide false or misleading information
• Not interfere with or disrupt the website's operation
• Not attempt to gain unauthorized access to any part of the website
• Not use automated means to access or collect information from the website without permission
• Comply with all applicable laws and regulations

5. Prohibited Uses

You may not use our website:

• For any unlawful purpose or to facilitate illegal activities
• To harass, abuse, or harm others
• To distribute malware, viruses, or other harmful code
• To attempt to gain unauthorized access to our systems or data
• To interfere with or circumvent security features
• To collect personal information about other users without consent
• To spam or send unsolicited communications
• To violate any applicable laws or regulations
• To infringe upon intellectual property rights

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of MACKOUL GROUP OF FLORIDA, LLC or its licensors and is protected by intellectual property laws.

You may:

• View and print pages for personal, non-commercial use
• Share links to our website

You may not:

• Copy, reproduce, or distribute our content without permission
• Modify or create derivative works based on our content
• Use our trademarks or branding without authorization
• Remove any copyright or proprietary notices

7. Disclaimer of Warranties

THE INFORMATION ON THIS WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information

We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free of viruses or other harmful components
• The results of using the website will meet your requirements

MACKOUL GROUP OF FLORIDA, LLC provides informational and professional consulting services. We do not guarantee specific results, coverage approvals, or financial outcomes. The information provided on this website is for general informational purposes only and should not be construed as professional insurance or legal advice.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MACKOUL GROUP OF FLORIDA, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from your use or inability to use the website
• Damages resulting from any errors or omissions in the content
• Damages resulting from unauthorized access to your data
• Any action taken in connection with your use of the website

This limitation applies regardless of the legal theory under which damages are sought.

9. Third-Party Services & Links

Our website may contain links to third-party websites or services that are not owned or controlled by MACKOUL GROUP OF FLORIDA, LLC. We have no control over and assume no responsibility for:

• The content, privacy policies, or practices of third-party websites
• The accuracy or reliability of third-party information
• Any transactions or interactions with third parties

We encourage you to review the terms and privacy policies of any third-party websites you visit.

10. User Content

By submitting information through our contact forms or other means, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, and display the information for the purpose of providing our services and responding to your requests.

You represent that you have the right to submit any content and that it does not violate any third-party rights.

11. Indemnification

You agree to indemnify and hold harmless MACKOUL GROUP OF FLORIDA, LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from:

• Your use of the website
• Your violation of these Terms
• Your violation of any rights of another party
• Your submission of any content

12. Termination

We reserve the right to:

• Terminate or suspend your access to the website at any time, without notice, for any reason
• Modify or discontinue any aspect of the website
• Block IP addresses or users who violate these Terms

Upon termination, all provisions of these Terms that should by their nature survive termination shall remain in effect.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Broward County, Florida, and you consent to personal jurisdiction in those courts.

14. Dispute Resolution

Any disputes arising from these Terms or your use of the website shall first be attempted to be resolved through good faith negotiation. If negotiation fails, disputes may be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and MACKOUL GROUP OF FLORIDA, LLC regarding your use of the website.

17. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.

18. Contact Information

If you have questions about these Terms, please contact us:

19. Changes to Terms

We may revise these Terms from time to time. The "Last Updated" date at the top indicates the most recent revision. Your continued use of the website after any changes constitutes acceptance of the revised Terms.

20. Acknowledgment

BY USING OUR WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.