Terms & Conditions

 Terms and Conditions for McLaughlin Financial Group
Effective Date: October 8, 2026
Welcome to McLaughlin Financial Group, an independent insurance agency licensed in North Carolina. These Terms and Conditions (“Terms”) govern your use of our website (www.mclaughlinfinancialgroup.net, referred to as the “Website”), our insurance agency services, and interactions with our partner insurance providers (e.g., insurance carriers we work with to provide quotes or policies). By using our Website or services, you agree to these Terms. If you do not agree, please do not use our Website or services.
We may update these Terms at any time. The updated version will be posted on our Website with a new effective date. Your continued use after changes means you accept them. Please review regularly.
1. About Us and Our Services
Mclaughlin Financial Group is an independent insurance agency based in North Carolina. We help individuals and businesses find insurance products, including auto, home, life, health, or commercial coverage, by connecting you with licensed insurance carriers (“Partners”). We are not an insurance company; we act as an intermediary to provide quotes, facilitate policy purchases, and offer related services.
Our Website allows you to:
• Explore insurance options.
• Request quotes or contact us.
• Access general insurance information.
Important: Any quotes or information provided on our Website or through our services are estimates only and do not create a binding insurance policy. Coverage is subject to approval by our Partners and must be confirmed in writing.
2. Using Our Website and Services
You agree to use our Website and services only for lawful purposes and in accordance with these Terms. Specifically, you agree not to:
• Violate any local, state, or federal laws, including North Carolina insurance regulations.
• Engage in harmful activities, such as hacking, spreading viruses, or overloading the Website.
• Copy, reproduce, or distribute Website content without our written permission.
• Provide false or misleading information (e.g., in quote forms or inquiries).
• Use automated tools (e.g., bots, scrapers) to access the Website without our consent.
You must be at least 18 years old to use our Website or services or submit information. If acting on behalf of a business, you confirm you have authority to do so.
3. Our Partners and Third-Party Services
We work with licensed insurance carriers and other providers to deliver insurance products. When you request a quote or purchase a policy:
• We may share your information with Partners to process your request (see our Privacy Policy for details).
• Policies are issued by Partners, not us, and are subject to their terms and conditions. Review their policies directly.
• We are not responsible for Partners’ actions, including policy approvals, denials, claims handling, or cancellations.
Our Website may link to third-party sites (e.g., Partner websites or payment processors). We do not control or endorse these sites and are not liable for their content, privacy practices, or performance.
4. Your Information and Submitted Content
When you submit information (e.g., via quote forms), you grant McLaughlin Financial Group and our Partners the right to use it to provide services, as outlined in our Privacy Policy. You confirm that all information you provide is accurate, complete, and up-to-date.
If you submit content (e.g., feedback, reviews), you grant us a non-exclusive, royalty-free license to use, display, or share it for business purposes (e.g., marketing), provided it complies with our Privacy Policy. We may remove or refuse any content at our discretion.
5. Intellectual Property
All content on our Website—including text, images, logos, and designs—is owned by McLaughlin Financal Group or our licensors and protected by copyright, trademark, and other intellectual property laws. You may view or print content for personal, non-commercial use only. Any other use requires our written permission.
Our agency name, logo, and slogans are our trademarks. You may not use them without our consent.
6. Disclaimers and Limitations of Liability
Our Website and services are provided “as is” without warranties of any kind, express or implied. Specifically:
• We do not guarantee the Website will be error-free, secure, or always available.
• Information on the Website (e.g., articles, quote tools) is for general guidance only and is not professional insurance advice. Consult us or a licensed professional for your specific needs.
• Quotes provided are estimates based on your input and may change upon verification by Partners. They do not guarantee coverage, rates, or policy approval.
• We are not liable for outcomes related to insurance policies (e.g., claim denials, policy changes) or decisions you make based on Website content.
To the maximum extent permitted by law, McLaughlin Financial Group, its owners, employees, agents, and Partners will not be liable for any indirect, incidental, special, punitive, or consequential damages (e.g., loss of profits, data, or opportunities) arising from your use of the Website or services, even if we were aware of the possibility. Our total liability for any claim will not exceed the amount you paid us for the specific service (if any). These limits apply to all claims, whether based on contract, tort, negligence, or other legal theories.
7. Indemnification
You agree to indemnify, defend, and hold harmless McLaughlin Financial Group, its employees, agents, and Partners from any claims, losses, damages, or expenses (including legal fees) arising from:
• Your violation of these Terms.
• Your misuse of the Website or services.
• Any information or content you submit.
• Your violation of any laws or third-party rights (e.g., providing false data to obtain a quote).
8. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of North Carolina, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our Website or services will be resolved in state or federal courts located in Wake County, North Carolina. You agree to submit to the jurisdiction of those courts.
9. Termination
We may suspend or terminate your access to the Website or services at any time, without notice, if you violate these Terms or for any other reason we deem appropriate. Upon termination, your right to use the Website or services ends immediately.
10. Miscellaneous
• Severability: If any part of these Terms is found invalid or unenforceable, the remaining provisions remain in effect.
• No Waiver: Our failure to enforce any provision does not waive our right to do so later.
• Entire Agreement: These Terms, along with our Privacy Policy, constitute the entire agreement between you and McLaughlin Financial Group regarding the Website and services.
• Assignment: We may assign these Terms (e.g., in a business sale), but you may not without our written consent.

11. SMS Text Messaging Terms & Conditions

McLaughlin Financial Group offers SMS text messaging to individuals who have consented to receive communications regarding appointments, scheduling, consultation follow-ups, responses to inquiries, and other non-promotional client-service matters.

Messages may be delivered through Zoom Phone or other authorized communications providers.

Consent to Receive Messages

By expressly opting in to SMS communications from McLaughlin Financial Group, you agree to receive text messages related to your appointments, inquiries, and requested services. Consent is voluntary and is not a condition of purchasing any product or service.

Message Frequency and Charges

Message frequency varies depending on your appointments, inquiries, and communication needs. Message and data rates may apply according to your mobile carrier's plan.

Opt-Out Instructions

You may cancel SMS communications at any time by replying STOP to a message from McLaughlin Financial Group. After opting out, you may receive a final confirmation message. No additional messages will be sent unless you subsequently provide new consent or initiate a separate communication.

Customer Support

For assistance, reply HELP to a text message or contact McLaughlin Financial Group at clientservices@mclaughlinfinancial.net

Privacy and Information Sharing

Mobile phone numbers and SMS consent information are used to facilitate authorized business communications. Mobile information and text messaging opt-in data will not be shared with third parties or affiliates for their own marketing or promotional purposes.

Authorized communications providers may process information solely to deliver and support our messaging services.

For additional information, please review our Privacy Policy.

Security of Communications

SMS messaging is not a secure channel for transmitting sensitive financial information. Please do not send Social Security numbers, account numbers, passwords, or other confidential financial information through text messages.

Carrier Disclaimer

Mobile carriers are not responsible for delayed or undelivered messages.

Contact Us
For questions or concerns about these Terms, please contact us:
• Phone: (704) 626-2463
• Email: clientservices@mclaughlinfinancial.net
• Mail: 5540 Centerview Dr Ste 204 PMB 982983 Raleigh NC 27606-8012
Thank you for choosing McLaughlin Financial Group for your insurance needs