Terms of Service
Effective Date: July 2026
Please read these Terms of Service ("Terms") carefully before using mkagencyinc.com (the "Site"), operated by M&K Agency Inc. By accessing or using the Site, you agree to be bound by these Terms.
1. About Our Services
M&K Agency Inc. is an independent insurance agency licensed in the State of Florida. We help customers compare and obtain insurance quotes from multiple carriers. The Site does not itself provide insurance coverage, and no coverage exists until a policy is formally issued by a carrier.
2. No Guarantee of Coverage, Price, or Eligibility
Any quote or coverage example shown on the Site is for informational purposes only and is not a binding offer of insurance. Final eligibility, terms, and premiums are determined solely by the applicable carrier following underwriting review.
3. AI Chat Assistant
The Site may include an AI-assisted chat feature intended to answer general questions and help route requests to a licensed agent. Responses are for general informational purposes only, do not constitute professional advice, and do not create an agent-client relationship. Coverage decisions must be confirmed with a licensed agent.
4. Communications Consent
By submitting your contact information, you consent to be contacted by M&K Agency by phone, text, email, or automated/AI-assisted communications regarding insurance products and services, as described in our Privacy Policy.
5. Accuracy of Information You Provide
You agree to provide accurate, current, and complete information. Providing false or misleading information may result in denial of coverage, cancellation of a policy, or denial of a claim by the applicable carrier.
6. Intellectual Property
All content on the Site is the property of M&K Agency Inc. or its licensors and is protected by applicable intellectual property laws.
7. Third-Party Links and Carriers
We do not control and are not responsible for the content, policies, or practices of any third-party carrier or service provider referenced on the Site.
8. Limitation of Liability
To the fullest extent permitted by law, M&K Agency Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Site.
9. Governing Law
These Terms are governed by the laws of the State of Florida. Any disputes shall be resolved in the state or federal courts located in Miami-Dade County, Florida.
10. Changes to These Terms
We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance.
11. Contact Us
M&K Agency Inc. — 33550 S Dixie Hwy, Suite 102, Florida City, FL 33034 — Phone: (305) 859-3953