Last Updated: April 10, 2026

TERMS & CONDITIONS

Welcome to the website of Mufson Band Insurance Brokerage https://mufsonbandinsurance.com (“we,” “us,” “our,” or “Mufson Band Insurance”). These Terms & Conditions (“Terms”) govern your access to and use of our website and any services, information, tools, or resources provided by us.

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

1. Company Information

Mufson Band Insurance Brokerage
49 Oak Street, Suite 2B
 Norwood, NJ 07648
 United States

Phone: (201) 746-6076
 Email: info@mufsonbandinsurance.com

2. Scope of These Terms

These Terms apply to:

  • Use of our website
  • Submissions made through contact or quote forms
  • Communications with our staff or representatives
  • Preliminary insurance estimates, information, or recommendations
  • Downloadable resources
  • Email and marketing interactions

These Terms do not replace any formal insurance contract or carrier agreement.

Any actual insurance policy issued to you by an insurance carrier is governed solely by the terms, conditions, exclusions, and obligations specified by that carrier.

3. Nature of Services

Mufson Band Insurance Brokerage is an independent insurance brokerage.

We act as an intermediary between you and licensed insurance carriers.

We provide:

  • Insurance quotes
  • Guidance on coverages
  • Policy procurement and servicing
  • Claims assistance and communication support
  • Access to multiple insurance carriers
  • Comparison of insurance options

We DO NOT:

  • Guarantee insurance approval
  • Guarantee pricing or policy terms
  • Make underwriting decisions (only carriers may do this)
  • Serve as an insurer, underwriter, or claims adjuster

4. No Professional Guarantees

Information on this website is provided for general informational purposes only.

Nothing on the site constitutes:

  • Legal advice
  • Financial advice
  • Tax advice
  • A guarantee of coverage
  • A binding insurance offer
  • A guarantee of premium prices

Insurance eligibility, final rates, policy issuance, and claims determinations are made solely by the insurance carriers, not Mufson Band Insurance.

5. Website Use Requirements

You agree not to:

  • Interfere with or disrupt website functionality
  • Attempt unauthorized access to servers or systems
  • Introduce malware, viruses, or harmful code
  • Copy, resell, or distribute website content
  • Use automated tools (bots, scrapers) to extract data
  • Misrepresent your identity
  • Submit false or misleading insurance information

Violations may result in legal action or restricted access.

6. Intellectual Property Rights

All content on the website—including text, graphics, logos, icons, files, images, layout, and downloadable material—is the property of Mufson Band Insurance or licensed to us.

You may not:

  • Copy
  • Distribute
  • Modify
  • Publish
  • Translate
  • Create derivative works

…without our prior written consent.

You may, however, download content for personal, non-commercial use related to evaluating or engaging our services.

7. Insurance Quote Requests & Client Information

When you submit personal or insurance-related information:

  • You affirm the information is accurate and complete
  • You grant us permission to use this information to generate quotes
  • You authorize us to share information with insurance carriers as necessary
  • You acknowledge that inaccurate information may affect insurance eligibility or pricing

Providing false information may result in denial of coverage or policy cancellation, per carrier guidelines.

8. Third-Party Tools & Links

Our website may link to or integrate with third-party:

  • Insurance carrier portals
  • Quote engines
  • Claims systems
  • Document platforms
  • Analytics providers
  • Cookie management tools (including TrustArc)

These third parties are not controlled by us.

We are not responsible for:

  • Their content
  • Their privacy practices
  • Their accuracy
  • Their legal compliance

You access third-party content at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Mufson Band Insurance is not liable for:

  • Errors or omissions on the website
  • Delays, interruptions, or downtime
  • Losses or damages resulting from website use
  • Loss of data, revenue, or profits
  • Cyberattacks or unauthorized access
  • Decisions you make based on website information
  • Actions of third-party carriers, adjusters, or affiliates

Our total liability relating to your website use shall not exceed the amount you paid us, if any, for accessing the website (typically $0).

Some jurisdictions do not allow liability limitations.

Where prohibited, these limitations apply to the maximum allowable extent.

10. Disclaimer of Warranties

The website is provided “AS IS” and “AS AVAILABLE”, without warranties of any kind, whether express or implied.

We do not guarantee:

  • Website accuracy
  • Completeness of information
  • Availability of services
  • Error-free operation
  • That the site is free from viruses or harmful components
  • That communications sent to us will be received or processed

Insurance information is subject to carrier changes at any time.

11. Client Obligations

When working with Mufson Band Insurance, you agree to:

  • Provide accurate and complete information
  • Update us if your information changes
  • Review policy documents for accuracy
  • Notify us promptly of claims or coverage issues
  • Comply with carrier requirements

Failure to meet these obligations may impact coverage eligibility or policy terms.

12. Data Privacy & Compliance

We process personal information according to our Privacy Policy, which is incorporated into these Terms by reference.

We comply with:

  • GDPR (for EU/EEA/UK visitors)
  • U.S. federal privacy standards
  • New Jersey privacy rules
  • Gramm–Leach–Bliley Act obligations (where applicable)

Our Cookie Policy governs cookie and tracking technology use.

13. Electronic Communications

By using the website or submitting a form, you consent to receive communications electronically, including:

  • Emails
  • Texts (SMS), if applicable
  • Digital policy documents
  • Renewal reminders
  • Disclosures

You may opt out of marketing messages anytime, but not service-related communications.

14. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law rules.

Any dispute arising under these Terms shall be brought exclusively in:

  • The courts of Bergen County, New Jersey

Users outside the U.S. consent to jurisdiction in the U.S. for dispute resolution.

15. Indemnification

You agree to indemnify and hold harmless Mufson Band Insurance, its owners, employees, partners, and affiliates from:

  • Claims
  • Losses
  • Damages
  • Liabilities
  • Costs
  • Legal fees

…arising from your use of the website or violation of these Terms.

16. Severability

If any part of these Terms is deemed unlawful or unenforceable, the remaining provisions will remain in full force and effect.

17. Changes to These Terms

We may update or modify these Terms at any time.

A new “Last Updated” date will reflect any changes.

Continued use of the website constitutes acceptance of updated Terms.

18. Contact Us

For questions about these Terms:

Mufson Band Insurance Brokerage
49 Oak Street, Suite 2B
Norwood, NJ 07648
Phone: (201) 746-6076
Email: info@mufsonbandinsurance.com