Industry, State and Federal Laws and Rules

• Matthew A. Clayton does not claim to give professional, legal or tax advice to anyone that purchases a product or service through our company. Any marketing, solicitation, sale or distribution of the insurance products and financial services we offer should be viewed as available in the public domain.
• Matthew A. Clayton does not rebate any premium or pay any compensation to any purchaser of any product or service.
• Matthew A. Clayton is not responsible in anyway for any dispute between an applicant, purchaser, client, beneficiary, other interested party arising from the purchase of any product or financial service from any insurance company or financial institution; now or in the future.
• Any product or financial services offered, applied for or purchased through Matthew A. Clayton is deemed "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED by Matthew A. Clayton

Terms of Use

claytonbroker.com is a registered domain of Matthew A. Clayton,

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. Matthew A. Clayton and related, affiliated and subsidiary companies, disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose or appropriate for a particular client.

• Consult your own qualified legal or tax adviser with respect to your personal situation.
• It is your sole responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided.
• All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use.
• Matthew A. Clayton is not responsible for the suitability of any insurance company or financial institutions products you purchase.
  You should always consult with a qualified legal or tax adviser before purchasing any financial products including insurance products.
• Matthew A. Clayton does not render any professional opinion or professional advice, is not liable and is not responsible for the type of product, amount of insurance coverage or lack there of, the suitability of any company or the appropriateness their products.
  Matthew A. Clayton is not liable and is not responsible for the financial performance or lack there of, the financial return or lack there of, of any product or financial service.
• Materials distributed to anyone using this website including but not limited to information pertaining to any products including pricing, illustrations, articles, brochures, fliers, mailers, promotional material or advertisements and any other communication is the sole responsibility of the consumer.
  In no event shall Matthew A. Clayton and related, affiliated and subsidiary companies, be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information contained on this website.
• Matthew A. Clayton assumes that you are submitting accurate information on your own behalf, and are not responsible for information you have submitted for someone else with or without this or any party's consent.

Insurance Rate Information

The information used in all insurance rate quotes have been taken from rate cards, rate manuals, illustrations, or other computer generated form which life companies routinely publish and distribute to life agents and brokers. To the best of Matthew A. Clayton’s ability, he has done everything he can to ensure that the insurance rate information contained in any insurance rate quote is up-to-date and accurate. However, he cannot and does not guarantee accuracy.

All quotes are for illustration purposes only and do not constitute any offer or guarantee of coverage; actual premiums and coverage will be based on age, gender, health history, certain underwriting criteria, state of residence, and tobacco usage. Matthew A. Clayton does not provide any insurance policy, coverage or contract. Not all policies or companies are available in all states. Federal copyright law prohibits commercial use by other agents, brokers and parties marketing insurance products or information.

In the event that there is a discrepancy between the information contained in the insurance rate quotes, and any insurance company-authorized illustration and/or policy, the policy shall govern.

Copyright Notes - Material Distribution

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site are the exclusive property of Matthew A. Clayton and/or his affiliates, or the insurance companies represented, and may not be copied or distributed, in whole or in part, without the express written consent of Matthew A. Clayton

Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use. Matthew A. Clayton is not responsible for the content of any materials distributed in any form from this website.

Hyperlinks

Matthew A. Clayton cannot guarantee that the hyperlinks contained in this site will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by person(s) over whom Matthew A. Clayton has no control.

We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, Matthew A. Clayton assumes no responsibility for the content of any site referenced to by any hyperlinks or otherwise.

Matthew A. Clayton believes that making hyperlinks to publicly accessible web pages and newsgroup is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Data Protection

Matthew A. Clayton is not obligated to monitor any transmission made through the respective web pages and newsgroups. However, Matthew A. Clayton has the right, but not the obligation, to monitor any transmission made to and for this web site. Matthew A. Clayton may use or disclose information gathered from the site.

Intended Audience of this Website

This site is published for informational purposes only. Matthew A. Clayton is a private individual not a public figure. His name, likeness, personal and business information is not for distribution without expressed written permission.

Product Restrictions

This site is published for some but not all residents of the United States. All products are not available in all states. Products and financial services are subject to underwriting requirements. Suicide limitations apply. It is the sole responsibility of the consumer to determine the need and appropriateness of any product or service offered on or through this website.

Company Ratings

All insurance companies quoted by Matthew A. Clayton are rated A-, A, A+ or A++ by the A. M. Best Company, an independent insurance industry analyst that bases its analysis on financial position and operating performance. Ratings can change at any time for many reasons and Matthew A. Clayton does not guarantee or warranty the financial strength or claims paying ability of any company and assumes no liability.  It is the sole responsibility of the purchaser to decide if the product and/or company they purchase from meet their standards for suitability or financial stability both now and in the future.

License

Matthew A. Clayton, President

Matthew A. Clayton: Florida Ins. Lic: P085915

This page is not for reproduction or distribution. Use only for informational purposes

 CALL OR EMAIL TODAY for Product Information, Quotes and Answers to Your Questions:
                         Toll Free: 1 (877) 370-0438 
                         Email: Matt@ClaytonBroker.com

We'll respond to your inquiry within 5 business days, either by email or by phone. We take your privacy very seriously. 

We provide you with information concerning insurance and financial services to help you find the best products from top rated companies. We also select the companies that offer excellent direct customer service departments.  If you decide to request a quote for insurance we will ask you for minimal personal information to help us find the best products and rates from carriers. We will also try to help you get a specific policy from a specific company even if we don’t currently offer their products. If you select an insurance carrier and request an application, we'll ask for information needed to begin the process.

• Premiums, deposits and payments - All premiums and payments are payable directly to the insurance company or financial institution with which you are purchasing the product from. Matthew A. Clayton accepts only the initial premium, payment or deposit with the application and forwards directly to the insurance company or financial institution. Matthew A. Clayton will not accept any future premiums, payments or deposits after the product or policy is issued and accepted.

• How insurance carriers use your information - We will submit all information we gather during the application process to the insurance company you selected. Insurance companies use personally identifiable information to determine your final insurance eligibility and rates. Insurance underwriting criteria may vary for each participating insurance company, and each company may place different emphasis on different information on your application. Our participating insurance companies all have their own privacy policies, which are separate from Matthew A. Clatyon's Privacy Policy.
  
  
• Log Files - As our Web server transmits content, it also creates a log that records specific information, including the Internet address of the computer or server contacting us, the date and time, the referring website and its URL, and the visitor's browser and operating system. We use software to analyze this log for trends, to administer the site, to identify most frequently visited pages, and to gather broad demographic information. We use server log data for internal purposes only, and do not share it with other companies. Understanding how you use our site helps us to improve it for you.

Links to Other Sites

This site may contain links to other sites. We are not responsible for the privacy practices or the content of such Web sites. Please contact the owners of these sites for information regarding their privacy policies.Third parties may be placing and reading cookies on your browser, or using web beacons to collect information as a result of ad serving on our site.

Changes to our Privacy Policy

We reserve the right to change our privacy policy, and if so, we will post these changes to this privacy statement and to other relevant places on our site so that visitors are aware of the change. We encourage you to check this posted privacy statement for updates.

Contacting the Web Site

If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, you can email:
Cynthia@ClaytonBroker.com