As of 9/1/2024

1. Introduction
Welcome, and thank you for choosing JB Insurance Brokers (“we,” “us,” or “our”). These Terms of Use govern your use of our website and related services (collectively, the “Service”). By accessing or using the Service, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please discontinue use of the Service.

2. Overview of Service
JB Insurance Brokers provides consumers with resources and services related to insurance products offered by third parties. We are not an insurance company but serve as a facilitator between users and insurance providers.

Important Notice: Do not cancel any existing insurance policies until you receive written confirmation from your new provider that your new coverage is active.

3. Eligibility
You must be at least 18 years old to use our Service. By using the Service, you represent that:
a) You are at least 18 years old;
b) You have not been previously suspended or removed from using the Service; and
c) Your use complies with all applicable laws and regulations.
If you are submitting information on behalf of another person or organization, you confirm that you have the authority to do so.

4. Lead Form and Appointment Submissions
Users may submit information through lead forms or appointment booking forms on our website. By submitting your information, you consent to being contacted by JB Insurance Brokers to discuss services or products relevant to your submission. You agree to provide accurate and up-to-date information and understand that the submission of information does not guarantee any services or products.

4.1 Contact Information
If you need assistance or wish to update your contact details, please contact our customer service team by calling 888-778-6614 or emailing us at info@jbinsurancebrokers.com.

5. Electronic Communications
By submitting your information, you agree to receive communications from JB Insurance Brokers through email, phone calls, and text messages. You may opt out of receiving marketing communications at any time by following the instructions provided in the communications or by contacting us directly info@jbinsurancebrokers.com.

6. Payment
If you choose to purchase any product or service through JB Insurance Brokers, you will provide payment information to the applicable third-party provider. JB Insurance Brokers does not process payments directly and is not responsible for any payment issues related to products or services from third parties.

7. User Content
You may submit content, such as reviews or comments, to the Service (“User Content”). By submitting User Content, you grant JB Insurance Brokers a worldwide, royalty-free, non-exclusive license to use, reproduce, and distribute your content for any purpose related to the Service.
You are solely responsible for the User Content you submit and warrant that your content does not infringe upon the rights of any third party, violate any laws, or contain any offensive material.

8. Prohibited Conduct
By using the Service, you agree not to:
a) Use the Service for illegal purposes;
b) Infringe on any intellectual property rights;
c) Post harmful, offensive, or defamatory content;
d) Interfere with the Service’s security or functionality;
e) Attempt unauthorized access to any part of the Service.

9. Third-Party Services
Our website may contain links to third-party websites or services. JB Insurance Brokers is not responsible for the content, policies, or practices of any third-party websites.

10. Termination of Use
You may terminate your use of the Service at any time by contacting customer service. We reserve the right to suspend or terminate your access to the Service for any reason, including violation of these Terms.

11. Privacy Policy
Please read our Privacy Policy carefully for details on how we collect, use, and protect your personal information.

12. Modifications to the Service
We reserve the right to modify, suspend, or discontinue the Service at any time, without notice or liability to you. We may also update these Terms from time to time, and your continued use of the Service indicates your acceptance of any changes.

13. Ownership and Proprietary Rights
All content and materials provided through the Service, including design, text, graphics, and software, are the property of JB Insurance Brokers or our licensors. You may not use, reproduce, or distribute any content without permission.

14. Disclaimers and No Warranties
The Service is provided “as is” and without warranties of any kind. JB Insurance Brokers makes no guarantees regarding the accuracy, reliability, or availability of the Service. We disclaim all liability for any damages or losses arising from your use of the Service.

15. Limitation of Liability
To the fullest extent permitted by law, JB Insurance Brokers will not be liable for any indirect, incidental, or consequential damages resulting from your use of the Service. Our total liability in any claim will not exceed $100.

16. General Terms
These Terms, along with our Privacy Policy, constitute the entire agreement between you and JB Insurance Brokers. If any part of these Terms is found invalid or unenforceable, the remaining provisions will continue to apply. Our failure to enforce any right or provision in these Terms does not constitute a waiver of such rights

17. DMCA Notification
JB Insurance Brokers complies with the Digital Millennium Copyright Act (DMCA) and responds to valid claims of copyright infringement. If you believe any material on our Service infringes upon your copyrights, please submit a written notification to our Designated Agent at:

DMCA Agent: JB Insurance Brokers
ATTN: Legal Department 2803 Gulf to Bay Blvd. #259 Clearwater FL 33759
info@jbinsurancebrokers.com

Your notification must include the following information:

• A physical or electronic signature of a person authorized to act on behalf of the copyright owner.
• A description of the copyrighted work that you claim has been infringed.
• A description of the material that is allegedly infringing and its location on the Service.
• Your contact information, including your address, telephone number, and email address.
• A statement that you have a good faith belief that the use of the material in question is not authorized by the copyright owner, its agent, or the law.
• A statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner.
  
  

JB Insurance Brokers will remove or disable access to the material in question if we receive a valid DMCA notice. Repeat infringers may have their accounts terminated.

18. Dispute Resolution and Arbitration
In the interest of resolving disputes between you and JB Insurance Brokers in a cost-effective and timely manner, you and JB Insurance Brokers agree that any dispute arising out of or relating to these Terms or your use of the Service will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court and uses a neutral arbitrator instead of a judge or jury. Arbitration allows for more limited discovery than in court and is subject to limited review by courts. Arbitrators can award the same damages and relief that a court can award.

You agree that, by entering into these Terms, you and JB Insurance Brokers are each waiving the right to a trial by jury or to participate in a class action. This agreement to arbitrate applies to all claims arising out of or relating to these Terms or the use of the Service, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms.

Exceptions
Despite the above, either party may bring an individual action in small claims court or pursue enforcement action through applicable government agencies. This arbitration agreement does not prevent either party from seeking injunctive relief in court.

Arbitration Process
The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration will take place in Clearwater FL, unless both parties agree otherwise. The AAA rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by contacting JB Insurance Brokers.

Each party will be responsible for their own costs associated with arbitration unless otherwise determined by the arbitrator. The arbitrator’s decision will be final and binding.

No Class Actions
You and JB Insurance Brokers agree that each may only bring claims against the other in an individual capacity, and not as a plaintiff