TERMS OF USE
Effective Date: September 1, 2026
These Terms of Use govern your access to and use of McCloskeyAdvisorGroup.com. By using this website, you agree to these Terms. If you do not agree, please discontinue your use of the website.
GENERAL INFORMATION
This website is operated by McCloskey Advisor Group and provides general information about insurance products and services. Website content is provided for informational purposes and should not be considered legal, tax, financial, or individualized insurance advice.
NO COVERAGE IS BOUND
Submitting a website form, requesting a quote, sending an email or text message, or leaving a voicemail does not bind, change, renew, cancel, or confirm insurance coverage.
Coverage becomes effective only after all applicable underwriting requirements have been satisfied and you have received written confirmation from a licensed insurance representative or insurance company.
Do not use this website or email to request an immediate policy change, cancellation, claim submission, or proof of coverage without confirming that your request was received and completed.
QUOTES AND COVERAGE INFORMATION
Insurance quotes are estimates and are subject to underwriting review, eligibility requirements, consumer reports, inspections, payment, signed applications, and verification of information.
Rates, coverages, discounts, deductibles, and eligibility may change. Insurance products may not be available in every state or for every applicant.
Any summary of coverage provided on this website is general. The insurance policy, declarations, endorsements, exclusions, and applicable insurance-company documents control in the event of a conflict.
USER RESPONSIBILITIES
You agree to provide complete, current, and accurate information when requesting a quote or service. Incorrect or incomplete information may affect pricing, eligibility, coverage, or claim handling.
You agree not to:
• Use the website for unlawful or fraudulent purposes
• Submit false or misleading information
• Attempt to gain unauthorized access to the website or its systems
• Introduce malware, harmful code, or disruptive technology
• Copy or misuse website content without authorization
ELECTRONIC COMMUNICATIONS
By contacting us electronically, you consent to receiving responses electronically. Email and text messages may not be secure, immediate, or error-free.
If a matter is urgent or could affect your insurance coverage, call our office and obtain confirmation from a licensed representative.
THIRD-PARTY SERVICES AND LINKS
This website may contain links to insurance companies, payment providers, quoting systems, or other third-party websites. McCloskey Advisor Group does not control and is not responsible for the content, availability, security, or privacy practices of those websites.
INTELLECTUAL PROPERTY
Unless otherwise stated, the website’s design, text, graphics, logos, and original content belong to McCloskey Advisor Group or are used with permission. Content may not be reproduced, distributed, modified, or used commercially without written authorization.
DISCLAIMER OF WARRANTIES
This website and its content are provided on an “as is” and “as available” basis. We do not guarantee that the website will always be available, uninterrupted, secure, current, or free from errors.
LIMITATION OF LIABILITY
To the fullest extent permitted by law, McCloskey Advisor Group will not be liable for indirect, incidental, special, or consequential damages arising from the use of, or inability to use, this website.
Nothing in these Terms limits any responsibility that cannot legally be limited under applicable law.
INDEMNIFICATION
You agree to indemnify and hold McCloskey Advisor Group harmless from claims, losses, or expenses resulting from your unlawful use of the website, violation of these Terms, or submission of false or unauthorized information.
GOVERNING LAW
These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law principles. Any legal proceeding relating to these Terms or the website will be brought in an appropriate court located in Colorado.
CHANGES TO THESE TERMS
We may update these Terms periodically. Updated Terms will be posted on this page with a revised effective date. Continued use of the website after an update constitutes acceptance of the revised Terms.
CONTACT US
Questions about these Terms may be directed to:
McCloskey Advisor Group
5329 Montebello Lane
Colorado Springs, CO 80918
Phone: 719-247-1554
Email: Joe@McCloskeyAdvisorGroup.com