Terms of Service

Effective Date: 4/22/26

Welcome to The Michael Murray Agency (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website and any related online services, content, forms, communications, and features provided through the website (collectively, the “Site”).

By accessing or using this Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

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1. Use of the Site

You agree to use the Site only for lawful purposes and in a way that does not violate any applicable laws or regulations or infringe the rights of others.

You may not:

  • Use the Site in any way that could disable, damage, or impair the Site
  • Attempt to gain unauthorized access to any part of the Site, server, or related systems
  • Use the Site to transmit spam, malware, or harmful code
  • Copy, scrape, reproduce, distribute, or exploit Site content without our prior written permission
  • Use the Site in a fraudulent, abusive, defamatory, or otherwise unlawful manner

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2. Services Information

Any information on this Site about our services is provided for general informational purposes only. Posting service descriptions, capabilities, pricing, timelines, or case studies on the Site does not constitute a binding offer unless expressly stated otherwise.

We reserve the right to modify, suspend, or discontinue any part of the Site or any services described on the Site at any time without notice.

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3. No Professional or Legal Advice

Content on this Site is provided for general informational purposes only and should not be relied upon as legal, financial, tax, or other professional advice unless expressly stated in a separate written agreement.

Your use of this Site does not create a client, fiduciary, advisory, or professional relationship between you and The Michael Murray Agency.

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4. Intellectual Property

All content on the Site, including but not limited to text, graphics, branding, logos, icons, images, designs, downloads, and other materials, is owned by or licensed to The Michael Murray Agency and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal or internal business informational use only. No other use is permitted without our prior written consent.

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5. User Submissions

If you submit information to us through the Site, including through contact forms, quote requests, scheduling forms, surveys, feedback forms, or email signups, you:

  • Represent that the information you provide is accurate and not misleading
  • Agree not to submit unlawful, defamatory, infringing, or harmful material
  • Grant us the right to use the submitted information to respond to your inquiry, provide services, improve operations, and otherwise operate our business in accordance with our Privacy Policy

We are not obligated to keep non-confidential submissions confidential unless required by law or stated in a separate written agreement.

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6. Privacy

Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and protect personal information.

If you are a California resident, you may have additional rights regarding personal information depending on whether applicable California privacy law applies to our business. California’s CCPA, as amended, includes rights such as the right to know, delete, correct, and opt out of certain sale or sharing of personal information, with required notices for covered businesses.

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7. Marketing Communications

If you provide your contact information to us, you agree that we may contact you regarding your inquiry, requested services, or our business relationship, subject to applicable law.

If you opt in to receive marketing or promotional emails, you may unsubscribe at any time using the unsubscribe link or by contacting us directly. The FTC states that CAN-SPAM applies to commercial email broadly and is not limited to bulk email, including email promoting content on commercial websites.

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8. Third-Party Links and Tools

The Site may contain links to third-party websites or integrate third-party tools, platforms, widgets, or services. We do not control and are not responsible for the content, availability, policies, or practices of any third-party websites or services.

Your use of third-party services is at your own risk and subject to their own terms and policies.

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9. Disclaimers

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE MICHAEL MURRAY AGENCY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not guarantee that:

  • The Site will be uninterrupted, secure, or error-free
  • The Site content will always be complete, accurate, or current
  • Any defects or errors will be corrected
  • The Site or its servers are free of viruses or other harmful components

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10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE MICHAEL MURRAY AGENCY AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100), OR THE AMOUNT YOU PAID US, IF ANY, TO USE THE SITE, WHICHEVER IS GREATER.

Some jurisdictions do not allow certain limitations of liability, so portions of this section may not apply to you.

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11. Indemnification

You agree to defend, indemnify, and hold harmless The Michael Murray Agency and its owners, officers, employees, contractors, affiliates, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or related to:

  • Your use of the Site
  • Your violation of these Terms
  • Your violation of any law or the rights of a third party
  • Any information or material you submit through the Site

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12. Termination

We reserve the right, in our sole discretion and without notice, to suspend or terminate your access to the Site if we believe you have violated these Terms or used the Site in a manner that could harm us, other users, or third parties.

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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 principles.

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14. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Florida and you consent to the personal jurisdiction and venue of those courts.

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15. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the revised Terms on this page and update the Effective Date above.

Your continued use of the Site after updated Terms are posted constitutes your acceptance of the revised Terms. Because regulators pay attention to whether companies change online terms or privacy commitments without adequate notice, it is wise to make changes transparently and consistently with your existing commitments.

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16. Contact Information

If you have questions about these Terms, please contact:

The Michael Murray Agency
Fleming Island, FL & Jacksonville Metropolitan Area
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‍904-773-4111

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