MEG Financial, Inc. Legal Policy

By visiting (“Site”), it is assumed all users have read the MEG Financial, Inc. (MEG Financial) privacy policy and legal policy. Please read our Legal Policy below and visit our Privacy Policy page.

This Legal Policy, together with MEG Financial’s Privacy Policy, state the “Terms and Conditions” under which (“You”), the Web Site visitor are authorized to use the Site.

Please read this page carefully.

By using this Site, You agree to the Terms and Conditions set forth below. If You do not accept these Terms and Conditions, please do not use this Site. These Terms and Conditions supersede any other agreement You may have with MEG Financial regarding this subject matter. MEG Financial may, in its sole discretion, revise these Terms and Conditions at any time. Therefore, You should visit this page periodically to review for updates.

MEG Financial and its affiliates make the information on the Site available as a service to all customers and any other visitors, and is to be used for informational purposes only.

The Site(s) of MEG Financial, Inc. companies are in no way to be construed as an offer for the sale of insurance products, investments or retirement plans in unauthorized states or countries.

While we at MEG Financial have tried to provide accurate and timely information, and have relied on sources we believe to be reliable, the Site may include inadvertent technical or factual inaccuracies. We do not warrant the accuracy or completeness of the materials provided, either expressly or implicitly, and disclaim any warranties or merchantability or fitness for a particular purpose.

Neither MEG Financial nor any of its affiliates, directors, subsidiaries, officers or employees nor any third party vendor, will be liable or have any responsibility for any loss or damage that You may incur in the event of any failure or interruptions of the Site or resulting from the act or omission of any other party involved in making this Site or the data contained in it, or from any other cause relating to You(r) access to, inability to access, or use of the Site or these materials.

Decisions based on information contained on the Site are the sole responsibility of the user, and in exchange for using this Site, You agree to hold MEG Financial and its affiliates harmless against any claims for damages arising from any decision You make based on such information.

MEG Financial reserves the right to withdraw or prohibit access to the Site, and to revise the software, materials, information and the services and products described at any time without notifying You.

Tax & Legal Disclosure

Neither MEG Financial nor its representatives offer tax or legal advice. Our Site and all materials is provided for informational purposes only and should not be construed as tax or legal advice. Clients and other interested parties must consult with and rely solely upon their own independent advisors regarding their particular situation with respect to the concepts presented here.

Discussions of the various planning strategies and issues are based on our understanding of the applicable federal income, gift, state, and estate tax laws in effect at the time of this presentation. However, tax laws are subject to interpretation and change and there is no guarantee that the relevant tax authorities will accept our Site’s interpretations. Additionally, this material does not consider the impact of any applicable state laws.

Although great care is taken in preparing this material and presenting it accurately, MEG Financial disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.


Financial calculators and/or calculation or rate tables included on the Site are for illustration purposes only and should not be the sole source for financial planning decisions. Contact You(r) tax advisor or financial advisor before making any changes to You(r) financial plan.


MEG Financial does not make any express or any implied warranties, on our representations or endorsements with respect to any downloadable files on the Site (“Files”). The Files may be downloaded and/or reprinted for personal use only. If You wish to reproduce any document or graphic, in whole or in part, from this Site for nonpersonal purposes, You must first request permission in writing from the appropriate MEG Financial copyright holder.

Registered Trademarks

Our Site includes both registered and unregistered trademarks, service marks and logos. They are subject to the laws of the United States of America (“USA”) and other countries worldwide and are the property of their respective owner. You may not copy, modify, store, transmit, reproduce or distribute any part of the information or content of these trademarks, service marks or logos without the specific prior written consent of MEG Financial.

Links to Other Sites

The Site may provide Hypertext links to other Internet Sites or (“Links”) to outside Web Sites (“Linked Sites”) that are not affiliated in any way with MEG Financial.

MEG Financial assumes no liability for the content of any Linked Sites, including, without limitation, the accuracy, subject matter, quality or timeliness of the content. The fact that such Links have been provided does not constitute an endorsement, authorization, sponsorship by or affiliation with MEG Financial with respect to any Linked Site or its sponsor. There are risks in using any information, software or product accessed on the Internet. We urge You to make sure You understand these risks before doing so. MEG Financial is not liable for any harm caused by the transmission, through access of this Site, of a computer virus, or other computer code or programming device that might be used to access, delete, damage, disable, disrupt or otherwise impede the operation of the Site or of any user’s software, hardware, data or property.


Within this Site, no account or personal information is obtained for storage other than information You enter. This information is used only to provide You with the information or materials that You specifically request.

We collect You(r) domain name other user information when you visit this Site. We aggregate information on what pages You access or visit and user-specific information on what pages You access or visit.

The information we collect is used to improve the content of the Site. It may be shared with our internal agents who assist in providing support for our internal operations and used by us to contact consumers for marketing purposes. It is NOT shared with other organizations for commercial purposes.

Any information we collect is disclosed when legally required to do so, at the request of governmental authorities conducting an investigation, to verify or enforce compliance with the policies governing the Site and applicable laws or to protect against misuse or unauthorized use of the Site.

With respect to cookies: We may use cookies to record user-specific information on what pages You access or visit and to record other information about You the Site user.

User Submissions

MEG Financial welcomes You(r) reviews and comments. However, You acknowledge that if You send us any reviews, comments, suggestions, ideas, notes, concepts or other information, (collectively, the “Information”), You grant MEG Financial the irrevocable, perpetual right to use, alter, publish or delete the Information for any purpose whatsoever without compensation to You or the provider of the Information. Notwithstanding, MEG Financial disclaims all liability for reviews and comments posted by users on the Site.

As a user of this Site, You are responsible for You(r) own communications. Therefore, do not do any of the following:

  • transmit to us material that is copyrighted, unless You are the copyright owner or have the permission of the copyright owner;
  • send material that reveals trade secrets, unless You own them or have the permission of the owner;
  • send material that infringes on any other intellectual property rights of others or on the privacy or publicity rights of others;
  • send material that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another user or any other person or entity;
  • intentionally or unintentionally violate or encourage conduct that would violate any local, state, or federal law;
  • attempt to breach the security of the Site;
  • send advertisements or solicitations of business;
  • send chain letters or pyramid schemes; or
  • impersonate another person.

MEG Financial reserves the right to expel You and to prevent You applicable access to this Site for violating these Terms and Conditions or the law. A violation of any of the Terms and Conditions shall result in the immediate revocation of You(r) right to access or use the Site or Site Material and obligates You to immediately destroy any copies of the Site Material in You(r) possession.

The customer reviews You see on this Site are the result of direct feedback from former or current customers. We do not pay customers for reviews. We do not reward reviewers based on whether their written analysis is positive or negative. Rather, we publish full and complete reviews from individuals without alteration except to remove personally identifying information. We may elect not to publish reviews that contain inappropriate or irrelevant content. MEG Financial is not responsible for any of the reviews or comments posted on the Site. MEG Financial does not necessarily share the opinions, views, or commentary of any testimonials on this Site, which are strictly the views of the reviewer.

Limitation of Liability

The Site is provided on an AS IS and AS AVAILABLE basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. By using the Site, You agree that MEG Financial shall not be liable or responsible, directly or indirectly, for any damage or loss alleged to be caused by or in connection with the use of this Site. MEG Financial makes no warranty that the functionality of the Site will be uninterrupted or error free, that defects will be corrected or that the Site or the server that makes it available are free of viruses or anything else which may be harmful or destructive.

Change of Use

MEG Financial reserves the right to change or remove (temporarily or permanently) the Site or any part of it without notice and You confirm that MEG Financial shall not be liable to You for any such change or removal or change of the Terms and Conditions at any time, and You(r) continued use of the Site following any changes shall be deemed to be You(r) acceptance of such change.


The Site is not intended to market any products or services to children under eighteen (18) years of age. We do not knowingly gather or solicit data from children under eighteen (18) years of age through the Site for marketing or other purposes. By using the Site, You represent that You are not under eighteen (18) years of age.


We reserve the right to make changes to the Site and our legal disclaimers. We encourage You to review the Site and these disclaimers periodically for any updates or changes. You(r) continued access or use of this Site shall be deemed You(r) acceptance of these disclaimers and any subsequent changes.


The Terms and Conditions shall be governed by and construed in accordance with the law of The USA and You hereby submit to the exclusive jurisdiction of USA courts.

Data Protection

MEG Financial is not obligated to monitor any transmission made through the respective web pages and newsgroups. However, MEG Financial has the right, but not the obligation, to monitor any transmission made to and for the Site. MEG Financial may use or disclose information gathered from the Site.

Intended Audience

The Site is published for some, but not all, residents of the USA. This Site is not intended for use by any countries other than the USA. Information concerning the identity, history and products of each insurance company represented by MEG Financial is intended for residents of states in which that insurance company is licensed. No applications will be sought or accepted on behalf of any insurance company from a resident of a state in which that company is not licensed. Availability of products varies by state.

Product Restrictions

Policies may not be available in all states. Suicide, misstatement and misrepresentation restrictions may apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Availability of premium rates and policy forms may be changed by each insurer without prior notice.

Licensing Section

MEG Financial, Inc. is a Florida based corporation owned and operated by Michael E. Gray, Jr. Agent of record on all insurance policies is Michael E. Gray, Jr. Michael is currently licensed in all 50 states and the District of Columbia.

License numbers are available upon request and are automatically provided where required. No solicitation or invitation for application is currently being made in any jurisdiction in which we are not licensed and/or appointed with the company(s) whose rates are provided, illustrated and/or approximated by phone, text, fax, email, or mail.

If information is provided inadvertently to any person or company in a jurisdiction in which we are either not duly licensed and/or appointed, such information should be discarded (and treated as a clerical error) and you should seek a qualified, licensed, and appointed representative to assist you.

We may occasionally provide premium rates, features, financial strength ratings, and/or other information about certain companies and products for which we are not appointed to sell. This information is provided as a courtesy and should not be construed as a solicitation or invitation for application for the sale of such products.

Required Licensing information is listed below.

Licensing Information

Michael E. Gray, Jr., CA lic. #0C39049

Michael E. Gray, Jr., MN lic. #20371201

Michael E. Gray, Jr., LA lic. #296885

Michael E. Gray, Jr., TX lic. #967693

Michael E. Gray, Jr., AR lic. #599229

Our Corporate Address:

MEG Financial, Inc.
196 E 9 Mile Rd, Suite G
Pensacola, FL 32534
United States

Visit our Privacy Policy page also.