Terms of Use
Last updated: July 14, 2026
Welcome to The Millay Group, Inc. (“The Millay Group,” “we,” “our,” or “us”). By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with these Terms, please do not use this website.
- Intellectual Property
Unless otherwise indicated, all content on this website—including text, graphics, logos, icons, images, software, page layouts, design elements, and other materials—is owned by or licensed to The Millay Group, Inc. and is protected by United States copyright, trademark, and other intellectual property laws.
You may view, download, or print materials from this website solely for your personal, non-commercial use, provided that all copyright and proprietary notices remain intact. You may not reproduce, modify, distribute, publish, transmit, display, create derivative works from, or otherwise use any content without our prior written permission.
Third-party company names, trademarks, service marks, and logos appearing on this website remain the property of their respective owners and are used for identification purposes only.
- Website Content and Disclaimer
The information provided on this website is for general informational and educational purposes only. It is not intended to constitute legal, tax, accounting, financial, insurance, or other professional advice.
While we strive to keep information accurate and current, we make no representations or warranties regarding the accuracy, completeness, reliability, suitability, or availability of any information contained on this website.
You should consult your own legal, tax, financial, or other qualified professional regarding your individual circumstances before making any decisions based on information obtained through this website.
All website content is provided “AS IS” and “AS AVAILABLE,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, title, or non-infringement.
- Insurance Information and Quotes
Insurance quotes, premium estimates, and product information provided through this website are estimates only and are intended solely for illustration purposes.
Actual premiums, eligibility, policy availability, coverage amounts, and underwriting decisions are determined exclusively by the issuing insurance company and are subject to:
- Age
- Health history
- Medical underwriting
- Tobacco or nicotine use
- State of residence
- Occupation and avocation
- Financial underwriting (where applicable)
- Other underwriting guidelines established by the insurer
Quotes are based solely on the information you provide. Incomplete or inaccurate information may affect quoted rates or eligibility.
Insurance products, policy forms, riders, underwriting requirements, and premium rates may change at any time without notice and may not be available in every state.
If there is any conflict between information presented on this website and an official insurance company policy, illustration, or contract, the insurance company’s policy and contract documents shall govern.
Nothing on this website constitutes an offer to sell insurance in any jurisdiction where such offer would be unlawful.
- No Guarantee of Coverage
Submission of an inquiry, application, or request for a quote does not guarantee approval for insurance coverage. Coverage becomes effective only after approval by the issuing insurance company and satisfaction of all policy requirements.
- User Information
By submitting information through this website, you represent and warrant that:
- The information you provide is accurate and complete.
- You are authorized to submit the information.
- Any information submitted on behalf of another person has been provided with their authorization where required by law.
You are responsible for maintaining the confidentiality of any information you submit through this website.
- Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, disclose, and safeguard your personal information.
By using this website, you acknowledge that you have reviewed our Privacy Policy.
- Electronic Communications
By submitting forms or contacting us electronically, you consent to receive communications from us electronically regarding your inquiry, subject to applicable law and your communication preferences.
Your consent to receive electronic communications does not constitute consent to receive marketing communications where separate consent is required by law.
- Third-Party Websites
This website may contain links to third-party websites for your convenience.
We do not own or control those websites and are not responsible for their content, security, privacy practices, or terms of use. Inclusion of a link does not constitute our endorsement of any third party or its products or services.
Your use of third-party websites is solely at your own risk.
- Limitation of Liability
To the fullest extent permitted by applicable law, The Millay Group, Inc., its officers, directors, employees, agents, affiliates, licensors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or relating to your use of, or inability to use, this website or any information contained herein.
This limitation applies regardless of the legal theory asserted and even if we have been advised of the possibility of such damages.
- Indemnification
You agree to defend, indemnify, and hold harmless The Millay Group, Inc. and its affiliates, officers, employees, and agents from any claims, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising from your violation of these Terms or your misuse of this website.
- Intended Audience
This website is intended for individuals who are at least eighteen (18) years of age.
Our products and services are intended only for residents of states in which The Millay Group, Inc. and its licensed insurance professionals are properly licensed.
Nothing on this website should be interpreted as a solicitation or offer to sell insurance in any jurisdiction where we are not licensed or where such solicitation would violate applicable law.
If you no longer exclude New York or Hawaii, remove those references. If those restrictions remain in effect, they should be updated to accurately reflect current licensing.
- Licensing Information
The Millay Group, Inc. and its licensed insurance professionals maintain licenses in states where required by law.
License numbers are available upon request or where disclosure is required by applicable state law.
Current required disclosures include:
- California: Millay and Associates Insurance Services, Michael Lee Millay (DBA The Millay Group, Inc.), License No. 0D99205
- Minnesota: Michael Lee Millay, License No. 20011369
- Louisiana: Michael Lee Millay, License No. 214591
- Utah: Michael Lee Millay, License No. 84073
- Arkansas: Michael Lee Millay, License No. 42209
- Massachusetts: Michael Lee Millay, License No. 175021
These license numbers should be reviewed periodically to ensure they remain current.
- Privacy and Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect information submitted through this website. However, no method of electronic transmission or internet storage is completely secure, and we cannot guarantee absolute security.
Information collected through this website is handled in accordance with our Privacy Policy and applicable federal and state privacy laws.
- Accessibility
The Millay Group, Inc. is committed to providing an accessible website for all users. If you experience difficulty accessing any content, please contact us so we can provide assistance and improve accessibility.
- Changes to These Terms
We reserve the right to modify these Terms of Use at any time. Changes become effective upon posting to this website unless otherwise required by law. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.
- Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State in which The Millay Group, Inc. maintains its principal place of business, without regard to conflict of law principles, except where federal law preempts state law.
- Contact Information
Questions regarding these Terms of Use may be directed to:
The Millay Group, Inc
927 NW Vesper Street
Blue Springs , MO, United States 64015
Email: mike@millay.com
Phone: 800-580-4393