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If you proceed by clicking "OK, continue" below: (1) you are acknowledging and accepting the M&T INSURANCE AGENCY’S CLIENT CONNECT TERMS OF USE; and (2) you will be directed to the M&T Insurance Agency Client Connect Website, an online portal for managing your insurance program, downloading policy documents, and communicating with M&T Insurance Agency account managers. 

Please note that you may need to disable pop-up blocking software in order to be transferred to Client Connect.


M&T Insurance Agency, Inc., a wholly owned property and casualty insurance subsidiary of M&T Bank, together with their respective affiliated companies (collectively, “M&T Insurance,” “we” or “our”), own, operate, maintain and control a proprietary network of portals, websites and web pages including, without limitation,, and any associated, additional and/or successor websites (collectively “Client Connect”). Client Connect provides an electronic platform and database through which M&T Insurance clients (collectively, “you” or “your”) may view and print a portion of their insurance data, such as vehicle proof of insurance cards and certificates of insurance (collectively, “Documents”). If you are accessing Client Connect on behalf of your employer (your “Company”), you represent and warrant that you have the authority to act on behalf of and legally bind your Company to these Terms of Use (the “Terms of Use”) and any reference in these Terms of Use to “you” or “your” includes both you as an individual as well as your Company.

  1. Acceptance

    PLEASE TAKE THE TIME TO CAREFULLY READ THESE TERMS OF USE AND ALL ADDITIONAL TERMS (AS DEFINED BELOW) BEFORE USING CLIENT CONNECT. By accessing, registering on or otherwise using Client Connect, you unconditionally accept and agree to be bound by these Terms of Use whether or not you have read them. Your use of Client Connect may also be subject to disclaimers, legal notices, click-through or other legal agreements, including without limitation M&T Bank’s website Terms of Use located at service/pages/terms and conditions (collectively, “Additional Terms”). These Terms of Use and all Additional Terms (together the “Agreement”) form a legally binding contract between you and M&T Insurance. In the event of conflict or ambiguity between the Terms of Use and any Additional Terms, the Additional Terms shall control. If you do not agree with this Agreement By accessing, you must not attempt to access or use the Sites or the M&T Insurance Services.

  2. Modifications & Notices

    M&T Insurance may disable or expand certain features or functionality, modify or discontinue all or any part of Client Connect at any time without notice. In addition, M&T Insurance may at any time and from time to time, modify all or any part of the Agreement. M&T Insurance may try to notify you of significant modifications on Client Connect or via email but you should review the Agreement from time to time. You will be bound by the modifications after you use Client Connect. You agree that M&T Insurance shall not be liable to you or to any third party in any way with respect to any modifications to Client Connect or this Agreement.

  3. Authorized Users; Acceptable Use

    You are responsible for the safety, security and confidentiality of all user IDs, logins, passwords or other security features (collectively, “Passwords”) through which you, or anyone to whom you have assigned, issued, shared or otherwise disclosed your Passwords, directly or indirectly, access the secure portions of Client Connect. You are also responsible for all actions taken through use of your Passwords. You should not share or otherwise disclose your Passwords and should promptly notify M&T Insurance to terminate a user’s security access when a user is no longer an authorized user.

    Vandalism, obscene, defamatory, threatening or harassing language, or abuse of any nature or form on Client Connect, including via e-mail, post or other transmission, are strictly prohibited, as are impersonation of others or misrepresenting your affiliation with your company. You may not upload to, distribute or otherwise publish through Client Connect any material that you know is false or misleading, contains viruses or malicious code, infringes another’s proprietary rights, is invasive of another’s privacy or publicity rights, or which may violate any law, another’s rights or otherwise give rise to liability.

    You may not probe, scan or test the vulnerability of Client Connect or attempt to interfere with or disrupt any part of Client Connect. You may not use any “deep-link,” “page-scrape,” “robot,” “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process to access, acquire, copy or monitor any portion of Client Connect or any insurance or other data accessible through Client Connect. You may not reproduce or circumvent the navigational structure or presentation of Client Connect, circumvent the security features or attempt to access any Documents, account or user information, materials or information through any means not purposely made available to you by M&T Insurance. You may not disassemble, reverse engineer or decompile any Technical Features (as defined below), trace the information of any other user or visitor, or take any action that compromises the privacy or security of Client Connect or its users. Each company is responsible for ensuring that its employees, service providers, clients and others accessing Client Connect through its account adhere to this Agreement.

  4. Proprietary Rights/Licenses

    Client Connect and all material provided by M&T Insurance in, such as the content of each web page, the “look and feel” of Client Connect, all text, graphics, pictures, audio, video, and the collection, compilation or assembly of all of the foregoing, as well as that posted anywhere on Client Connect or otherwise approved by M&T Insurance, whether public or not (collectively “Licensed Content”) may be used for the sole and limited purposes set forth in the Agreement. You may view and print portions of the Licensed Content for your own internal use but not for resale or other commercial exploitation and not for use other than as provided herein or in any Additional Terms. Any other use of Licensed Content without prior written approval of M&T Insurance is prohibited.

    Client Connect includes the Technology Features and websites through which the Technology Features are accessed, all related hardware and other equipment, as well as M&T Insurance’s Marks. Technology Features means all functions, features and capabilities of Client Connect, including without limitation all software, hardware, remote-access electronic functionality for Client Connect and all upgrades, updates, revisions, versions, releases, modifications and derivatives thereof and thereto. Marks means the words “M&T,” the stylized drawing of M&T, including the words M&T Bank, and any other common law and statutory trademarks, service marks, trade names, trade dress, logos, slogans, individually and/or as may be combined with one another, owned by M&T Insurance or used by M&T Insurance on Client Connect. The Marks, Client Connect and Technology Features, and the collection, compilation, assembly and arrangement of Licensed Content are owned by or under license to M&T Insurance and, with the exception of the public portions of Client Connect, contain proprietary and confidential information all of which is protected by all applicable intellectual property and other laws. All copyrights, patent rights, trade secret rights, trademark rights and other intellectual property rights in and to Client Connect, Technology Features, Marks and confidential Documents are also owned solely and exclusively by M&T Insurance. Everything you see or read on that which is provided through Client Connect is protected by all United States and international copyright and trademark laws, and may not be used except as provided in the Agreement without express written permission of M&T Insurance. You may not use or display the Marks in any manner without the prior written consent of M&T Insurance or other applicable owner. This includes use of Client Connect’s addresses or Marks in page text, as key words, meta tags or any other “hidden text.” Product or service names and related logos, graphics, page headers, button icons and scripts are trademarks or trade dress of M&T Insurance and may not be used in connection with any other product or service in any manner, but especially not in a manner that is likely to cause confusion in the marketplace or in any matter that disparages or discredits M&T Insurance or M&T Bank.

    Any comments, product ideas, suggestions or enhancements you share with M&T Insurance (collectively, “Communications”) are non-confidential and nonproprietary and become the property of M&T Insurance. You acknowledge and agree that your submission of Communications is done on a non-confidential, non-proprietary basis, without expectation of compensation or attribution of any sort. M&T Insurance has no liability for and is free to copy, disclose, distribute, incorporate and otherwise use all or any part of any Communications for any commercial or noncommercial purpose, in any medium, without compensating you or obtaining any other consent or approval from you.

  5. Termination

    M&T Insurance, in its sole discretion, may suspend or terminate your access to, registration or use of, Client Connect for any reason without prior notice, but especially if M&T Insurance believes that you have violated or acted inconsistently with the letter or spirit of the Agreement. M&T Insurance may also, in its sole discretion and at any time, discontinue providing Client Connect, or any part thereof, with or without notice. M&T Insurance shall not be liable to you or any third party for any suspension or termination of your access to or use of Client Connect. Section 4 “Proprietary Rights/Licenses” and any other provisions in the Agreement that should, by their nature, survive expiration or termination of the Agreement shall survive.

  6. Notice

    Notices to you may be made via any means to the account registration contact information you provide. M&T Insurance may also provide notices of changes to these Terms of Use or other matters by displaying notices or links to notices to you generally on Client Connect. Notice or other correspondence to M&T Insurance should be sent prepaid, by certified mail, return receipt requested or overnight commercial courier to:

    M&T Insurance Agency, Inc.
    285 Delaware Avenue, Suite 4000
    Buffalo, New York 14202
    Attn: M&T Insurance Webmaster

Insurance Products offered are: Not FDIC insured; Not a deposit in, obligation of, nor insured by any federal government agency; Not guaranteed or underwritten by the bank; Not a condition to the provisions or terms of any banking service or activity.   Insurance products are offered by M&T Insurance Agency, Inc., not by M&T Bank. Insurance policies are obligations of the insurers that issue the policies.