Terms & Conditions
Authorization of Use
Makarios Capital Financial & Insurance Services authorizes any person to access this website for informational purposes only. Makarios Capital Financial & Insurance Services reserves the right to terminate access to this website at any time without notice.
The data, information, and materials included on this website are protected under the copyright laws of the United States of America. All rights are reserved. No part of this website may be redistributed, copied, reproduced, or transmitted without prior written permission.
No Warranties
Users of this website assume all responsibility and risk associated with the use of this website and the internet generally.
Makarios Capital Financial & Insurance Services and its affiliated companies disclaim all warranties, representations, or endorsements, expressed or implied, regarding the data, information, and materials included in or accessible from this website or the internet.
This includes, but is not limited to:
Implied warranties of merchantability
Fitness for a particular purpose
Non-infringement
Makarios Capital Financial & Insurance Services reserves the right to discontinue, change, or update any information contained on this website without prior notice and assumes no legal liability or responsibility for the accuracy, completeness, or usefulness of any information provided.
No advice or information given through this website shall create any warranty.
Insurance Products Disclaimer
Several pages on this website describe various insurance products.
Availability of insurance products may vary from state to state.
All product descriptions are general in nature, and actual coverage is subject to the specific terms, conditions, exclusions, and limitations contained in the insurance policy issued by the insurance carrier.
If you are interested in the terms and conditions of a specific insurance product, please contact us directly for additional information.
Disclaimer of Liability
Under no circumstances shall Makarios Capital Financial & Insurance Services or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, consequential, or exemplary damages arising from:
Loss of use
Loss of data
Loss of profits
or any damages arising from the use of this website or the internet generally.
Disclaimer for Links
This website may contain links to third-party websites.
These links are provided solely as a convenience. Makarios Capital Financial & Insurance Services does not control and is not responsible for the content, accuracy, or policies of third-party websites.
Users access these external sites at their own risk.
Electronic Communications
Makarios Capital Financial & Insurance Services will not be deemed to have accepted any electronic communication unless acknowledgment of receipt is provided.
If electronic communication is sent from this website, it will be assumed that the communication was received intact by the intended recipient unless otherwise notified.
Recipients should notify us if any message is received in an unreadable or incomplete format.
Security
Despite reasonable security measures, there is always some inherent risk when transmitting personal information over the internet.
Anyone transmitting information electronically assumes the risk that such information could be intercepted by unintended third parties. Makarios Capital Financial & Insurance Services disclaims liability resulting from such interception.
Individuals concerned about transmitting personal information electronically may contact us directly instead.
Age Requirement
Users of this website and related services must be at least 18 years of age.
By using this website or submitting personal information through our forms, you represent that you are at least 18 years old.
SMS Messaging Terms
Program Name
Makarios Capital SMS Notifications Program
Program Description
By providing your phone number through our website forms, you consent to receive SMS text messages from Makarios Capital Financial & Insurance Services regarding:
Insurance services
Appointment reminders
Policy updates
Customer service communications
Occasional promotional offers
Message frequency may vary depending on your interaction with our services.
Message and data rates may apply depending on your mobile carrier.
Opt-Out Instructions
You may opt out of receiving SMS messages at any time by replying STOP to any message.
After sending STOP, you will receive one confirmation message and will no longer receive SMS messages from Makarios Capital Financial & Insurance Services unless you choose to rejoin.
Rejoining Instructions
If you previously opted out and wish to begin receiving messages again, you may opt back in by:
Submitting your phone number again through one of our website forms, or
Replying START to a previous message thread.
Help Instructions
If you require assistance, reply HELP to any message or contact us directly at:
Email:
[email protected]
Carrier Liability
Mobile carriers are not liable for delayed or undelivered SMS messages.
Message and Data Rates
Message and data rates may apply for messages sent to you from us and to us from you. Message frequency may vary.
Please contact your wireless provider for details regarding your messaging plan.
Privacy Policy
Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
Compliance with Industry Standards
Makarios Capital Financial & Insurance Services follows applicable industry guidelines and standards for SMS messaging, including CTIA and mobile carrier messaging requirements for consumer consent and messaging practices.
Legal Compliance
All SMS communications comply with applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA) and other relevant telecommunications regulations governing electronic communications.
Changes to Terms
Makarios Capital Financial & Insurance Services reserves the right to update or modify these Terms & Conditions at any time. Any changes will be posted on this page.
Contact Information
If you have any questions regarding these Terms & Conditions, please contact:
Makarios Capital Financial & Insurance Services
Email:
[email protected]