Please read these terms and conditions before using this site.

Terms and Conditions of Use

Your access and/or use of this website constitute your acceptance of the following terms and conditions. These terms and conditions may be revised at any time. If you continue to access and/or use the website after revisions have been made, you signify your acceptance of the terms and conditions as modified.

If you purchase insurance products or services through MSM Insurance & Financial Services, the terms and conditions specified in your policy will apply. All references to "MSM Insurance & Financial Services" include MSM Insurance & Financial Services, LLC and its affiliates.

Links to and from Other Websites

This website contains links to other Internet sites ("third-party sites") that are not maintained by MSM Insurance & Financial Services. These links are provided solely for your convenience. We make no warranties or representations about the contents of or any products or services offered in such third-party sites, unless otherwise stated. We recommend that you take the time to read the privacy and security policies of these sites.

MSM Insurance & Financial Services prohibits unauthorized links to this website, and use of any materials available through this site. We reserve the right to disable any unauthorized links.

Restrictions on Use of Materials

This website is owned and operated by MSM Insurance & Financial Services. No materials from this website may be copied, reproduced, uploaded, displayed, transmitted, hyperlinked, or distributed by any means, without MSM Insurance & Financial Services's written permission. You may download material on this website for use by you and/or within your organization, provided that all materials copied retain copyright and other proprietary notices. You may not redistribute, publish, modify, transmit, link or use the content of this website for public or commercial purposes, including the text, images, and video without MSM Insurance & Financial Services's written permission. You may not use the materials, information or services in unsolicited mailings, nor imply the endorsement of your organization, it activities or services by Bouchard Insurance.

Trademarks and Copyrights

The trademarks, service marks, trade names, designs, logos, and images displayed on or associated with this website are the property of MSM Insurance & Financial Services, or third parties who have authorized their use. Your use of same is strictly prohibited without the written permission of MSM Insurance & Financial Services or any third party that may own such marks, rights or images.

Disclaimer

The information and descriptions provided on this website are neither intended to be comprehensive or applicable to every insurance product or service offered by MSM Insurance & Financial Services, nor intended to be taken as advice with respect to an individual situation, and should not be relied upon as such.

MSM Insurance & Financial Services makes no representations or warranties that the content and materials in this website are complete, timely, reliable, free from errors, mistakes or inaccuracies, or are suitable for your needs.

MSM Insurance & Financial Services does not warrant that this website is compatible with your equipment, or is free of viruses, worms, or other destructive features. MSM Insurance & Financial Services assumes no responsibility or liability for any injury or damages arising from any such destructive feature, or in connection with any error, omission, defect, or failure in performance, interruption, delay in availability, operation or transmission of this website; nor for damage to your computer equipment or other property as a result of your access to, use of, downloading from or browsing this website.

Limitation of Liability

To the maximum extent provided by law MSM Insurance & Financial Services shall not be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, incidental, consequential, special, punitive or exemplary damages, arising from use of or inability to use this website or the materials or services provided by or received from this website. (Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages.)

Jurisdictional Issues

Use of this site will be governed and construed in accordance with the laws of the State of Florida without giving effect to any principles of conflicts of laws. Any dispute concerning this website shall be subject to the exclusive venue of a court of competent jurisdiction in Pinellas County, Florida.

If you choose to access this website you are responsible for compliance with any local, state and federal laws. No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction.

Software Licenses

MSM Insurance & Financial Services does not authorize downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by the United States export controls laws and regulations.