Terms and Conditions

Welcome to M1 Specialty. These Terms & Conditions (“Terms”) govern your access to and use of our websites, products, services, and platforms (collectively, the “Services”). By using or accessing our Services, you agree to be bound by these Terms. If you do not agree with all of these Terms, you may not access or use the Services.

1. Definitions

In these Terms:

“Personal Data” means any information relating to an identified or identifiable natural person (e.g. name, identification number, location data, online identifier, or factors relating to physical, physiological, economic, cultural or social identity).

“You” / “Your” means a person using the Services (visitor, customer, policyholder).

“We,” “Us,” “Our,” or “M1 Specialty” refers to M1 Specialty and its affiliates, operators, and agents.

“Website(s)” means any site we own or operate, including web pages, applications, social network tabs/offerings, or other digital platforms that post a link to these Terms.

2. Acceptance of Terms

You accept these Terms by using, accessing, or otherwise engaging with the Services. These Terms apply to your use whether as a guest or a registered user. We may update or modify these Terms at any time (see Section 15). Your continued use after changes constitutes acceptance of the revised Terms.

3. Scope of Services

We provide various services, content, products, and information (such as insurance-related products, information, consultations, etc.). The specific services and offerings available to you are subject to region, eligibility, and applicable regulations. Nothing on the site is intended as an offer or solicitation in jurisdictions where it is not permitted.

4. Use of the Services

4.1 Eligibility & Compliance

You must comply with all applicable local, state, national, and international laws when using the Services.

You represent and warrant that you are legally capable of entering into binding agreements.

4.2 Prohibited Conduct

You must not:

Use the Services for unlawful or unauthorized purposes.

Interfere with or disrupt networks, servers, or security of the Services.

Attempt to gain unauthorized access to the Services, other accounts, systems, or networks.

Use the Services to collect or harvest personal data from other users.

Use the Services in a manner that infringes the rights of others or violates any applicable law or regulation.

5. Account Registration & Security

If you register an account, you agree to:

Provide accurate, current, and complete information.

Maintain the confidentiality of your credentials.

Immediately notify us of any unauthorized use of your account or breach of security.

We are not liable for any loss or damage arising from your failure to protect your account or credentials.

6. Privacy & Personal Data

Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use, store, and disclose your Personal Data. By using the Services, you consent to such processing. We encourage you to read our Privacy Policy in full.

7. Intellectual Property

All content, design, text, graphics, logos, software, and other materials on the Services (“Content”) are protected by intellectual property rights owned or licensed by us or third parties. You may not:

Copy, reproduce, republish, upload, post, transmit, distribute, or otherwise exploit the Content for commercial purposes without our prior written consent.

Remove or alter any copyright, trademark, or other proprietary rights notices.

We grant you a limited, revocable, non-exclusive license to access and use the Services for your personal, noncommercial use, subject to these Terms.

8. Third-Party Links & Resources

The Services may contain links to external websites, partners, or resources not controlled by us. We are not responsible for the content, privacy practices, or accuracy of such third-party sites. You access them at your own risk, and we encourage you to review their terms and privacy policies.

9. Disclaimers & Limitation of Liability

9.1 Disclaimer of Warranties

To the fullest extent permitted by law:

We provide the Services “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise (including, without limitation, warranties of merchantability, fitness for a particular purpose, noninfringement, or availability).

We do not warrant that the Services will be error-free, secure, uninterrupted, or free from viruses or harmful components.

9.2 Limitation of Liability

To the fullest extent permitted by law, in no event shall M1 Specialty (or its officers, directors, employees, agents, affiliates) be liable for:

Any indirect, special, incidental, consequential, punitive, or exemplary damages.

Losses of profits, revenue, data, use, or goodwill.

Any damages arising from unauthorized access, alteration, theft, or destruction of your data.

Any claims arising out of your use or inability to use the Services.

The total aggregate liability for all claims under these Terms shall not exceed the amount you have paid us (if any) for the relevant Service during the 12 months prior to the event giving rise to liability (or, if no payment was made, one hundred U.S. dollars [or other currency equivalent]).

10. Indemnification

You agree to defend, indemnify, and hold harmless M1 Specialty and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with:

Your use (or misuse) of the Services.

Your breach or alleged breach of these Terms.

Your violation of any laws or third-party rights.

11. Termination

We may suspend or terminate your access (or parts thereof) at any time, with or without notice, for any reason, including for violation of these Terms. Upon termination, all rights granted to you under these Terms will cease immediately. Sections that by their nature survive termination (e.g. indemnification, limitation of liability, intellectual property) shall continue in full force.

12. Governing Law & Jurisdiction

These Terms and your use of the Services are governed by and construed in accordance with the laws of the jurisdiction in which M1 Specialty is incorporated or principally operates (or as specified for a given region). You agree that the courts (or arbitration forum, if relevant) of that jurisdiction shall have exclusive jurisdiction over disputes arising out of or relating to these Terms.

13. Changes to the Terms

We reserve the right to change or revise these Terms at any time. When we do, we will post the updated Terms on the Services and update the “Last updated” date above. Your continued use of the Services after those changes will constitute your acceptance of the modified Terms.

14. Severability & Waiver

If any provision of these Terms is deemed invalid, illegal, or unenforceable in any respect under applicable law, that provision shall be severed or limited to the minimum extent necessary so as not to affect the remaining provisions, which will continue in full force and effect.
No waiver of any breach or right under these Terms shall be deemed a waiver of any other or future breach or right unless expressly stated in writing.

15. Contact Information

If you have questions about these Terms or wish to contact us for any reason, you may reach us at:

M1 Specialty
Attn: Legal / Terms & Conditions
Email: [email protected]