Website Terms and Conditions

Acceptance of Terms

These Terms of Use govern your access to and use of McDowell Insurance and Financial Services’ website. By using the site, you agree to be bound by these terms. If you do not agree, discontinue use immediately.

Permitted Use & Restrictions

You may use this site for personal, non-commercial purposes to learn about our services and submit requests. You agree not to:

• Scrape, copy, or reuse content except as allowed under applicable law.
• Attempt to gain unauthorized access to systems, data, or user accounts.
• Disrupt site operation or introduce malware.
• Misrepresent your identity or affiliation when using forms or contacting us.

No Investment/Insurance Advice

Site content is for informational purposes only and is not individualized insurance, investment, tax, or legal advice. Recommendations require direct engagement with our team. Wealth-related guidance may involve Lincoln Investment or Capital Analysts and is subject to their regulatory requirements.

Products & Services Availability

Insurance and advisory products may not be available in all jurisdictions. Offers are void where prohibited. Eligibility, underwriting, and carrier availability may vary.

Intellectual Property

All content on this site, including text, graphics, logos, and images, is owned by McDowell IFS or its licensors. You are granted a limited license to access and view the site for personal use. No reproduction or distribution is permitted without prior written consent.

Third-Party Links

The site may link to third-party sites (e.g., carrier portals, Lincoln Investment resources). We do not control or endorse their content and are not responsible for their practices. Review third-party terms and policies before using those sites.

User Submissions

Information you submit via forms must be accurate and current. Submissions are processed in accordance with our Privacy Policy. Do not provide confidential information unless requested for a service engagement.

Disclaimers & Limitation of Liability

This site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, McDowell IFS disclaims liability for any direct, indirect, incidental, or consequential damages arising from your use of the site. Insurance and wealth information may change and may not be complete or current.

Indemnification

You agree to indemnify and hold harmless McDowell IFS, its affiliates, and partners from claims arising out of your misuse of the site or violation of these terms.

Governing Law & Venue

These terms are governed by the laws of the State of South Carolina without regard to conflict of law principles. Any disputes will be resolved in the state or federal courts located in South Carolina, unless otherwise required by applicable law.

Changes to These Terms

We may update these Terms of Use periodically. The effective date above will reflect the latest revision. Continued use of the site after changes constitutes acceptance.

Contact Information

For questions about these terms, use the contact details configured in Theme Settings.