LEGAL, TERMS & CONDITIONS, & WEBSITE DISCLAIMER

The following document outlines the terms and conditions relating to kidnapandeansom.net® and provides additional information about this website, McKinley International, and any affiliates and subsidiaries of mcKinley International. These terms are applicable to your use of this website. If you don't agree with any of these conditions, please discontinue accessing this website.

We offer the following important notes and disclaimers regarding the information presented in this website on kidnapping insurance, ransom insurance, extortion insurance, and expatriate security. Kidnapandransom.net® is not a corporation, business, or legal entity. It is a website established by McKinley International, an international brokerage owned by Matthew McKinley, Pennsylvania, USA. This website provides general information on kidnap and ransom insurance, expatriate security, and general concerns for international business travelers. McKinley International is not an insurance company, but rather a broker | agent | producer that approaches insurance companies and solicits quotes for the international insurance needs of clients around the world. We have the right to choose not to work with a current business or individual.
No offer or insurance quote is being presented in any way through this, or other owned websites. Individuals and businesses that are interested in obtaining quotes for kidnap and ransom insurance or any other line of international insurance can request a quotation and a proposal from us. However, we are not responsible for the actions of the insurance companies and expatriate service companies that we work with and, for any particular request for quote, they may decline the risk or “no quote” our request.
Most clients that have insurance policies through us will have annual policies. All delivery of insurance forms and insurance policies are done over the internet and via e-mail. We are not responsible for any policy that lapses for non-payment, or any other reason, and it is the responsibility of all insured to keep track of their renewal date, and reach out to us if they request a renewal for another annual policy. Whenever possible, we will email the email address on file asking if a renewal is requested. If the email is not received, or the policy lapses for any reason, we are not responsible. Some insurance companies may choose not to renew an existing policy.