1. Acceptance of Terms
By accessing or using our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not access or use our services.
2. Description of Services
Our services include life insurance consultations. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice.
You can cancel the SMS service at any time. Simply text "STOP" to the shortcode. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.
If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to 703-340-0063 or [email protected].
Carriers are not liable for delayed or undelivered messages.
As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.
For privacy-related inquiries, please refer to our privacy policy: {link to privacy policy}.
3. User Accounts
You may be required to create an account to access certain features of our services. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your account. You agree to accept responsibility for all activities that occur under your account.
4. User Conduct
You agree not to use our services for any unlawful purpose or in any way that violates these Terms and Conditions. You also agree not to:
Harass, abuse, or harm other users
Violate the rights of third parties
Interfere with or disrupt the operation of our services
Use our services for commercial solicitation without our prior written consent
5. Intellectual Property
All content and materials available on our services, including but not limited to text, graphics, logos, images, and software, are the property of J&R Financial or its licensors and are protected by copyright, trademark, and other intellectual property laws.
6. Limitation of Liability
To the fullest extent permitted by law, J&R Financial shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of our services.
7. Indemnification
You agree to indemnify and hold J&R Financial, its affiliates, officers, directors, employees, and agents harmless from and against any and all claims, liabilities, damages, losses, or expenses arising out of or in any way connected with your use of our services.
8. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of Florida, without regard to its conflict of law provisions.
9. Changes to Terms and Conditions
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of our services after any such changes constitutes your acceptance of the new Terms and Conditions.