Terms and Conditions of Website Use

Insurance Policy Interpretation or Legal Advice

The material provided on the MLMIC website, including the information and any images incorporated in the website, is for your personal private non-commercial use only. The information and articles contained in this website are provided for general informational purposes only. Nothing contained in this website is intended to constitute, and should not be construed as, a solicitation of insurance in any state in which MLMIC is not licensed, an interpretation of any insurance provision or policy nor as legal advice on any subject matter. Therefore, you should not rely on the information and articles provided herein as a policy interpretation or as legal advice on any subject matter for any purpose, and should always seek the legal advice of competent counsel in your jurisdiction. Users of the MLMIC website are expressly advised that they rely on the information contained in the website at their own risk.

All policy provisions discussed in this website are subject to underwriting approval. Information on this website should not be construed as a coverage interpretation of the policy in whole or in part. Actual coverage determinations are subject to all of the terms and conditions of the actual policy, endorsements, application, and any actual claims.

Nothing contained in this website shall serve to amend, alter or modify the terms, conditions or exclusions of each individual insurance policy.

Legal Notices

MLMIC expressly disclaims any and all responsibility and liability with respect to actions or omissions based on any information or articles contained in this website.

You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. We request that you not create any kind of hyperlink from any other website to ours unless you first obtain our permission.

MLMIC provides hyperlinks to third party websites as a convenience to users of this website. MLMIC does not control third party websites and is not responsible for the contents of any hyperlinked third party websites or any hyperlink in a hyperlinked site. MLMIC does not endorse, recommend or approve any third party website hyperlinked from this website. MLMIC shall have no liability to any entity for the content or use of the content available through such hyperlink.

The information and materials on this website could include technical inaccuracies or typographical errors. Changes are periodically made to the information contained herein. MLMIC may modify these Terms and Conditions of website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

These Terms and Conditions of website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of New York. By accessing the MLMIC website, you have directed your system to a computer located in the State of New York. Any and all disputes arising from the content of the MLMIC website are to be governed exclusively by the laws of the State of New York.