Terms and Conditions
1. Introduction
Welcome to the J&A Insurance website. By accessing or using our Website, you agree to comply with and be bound by the following terms and conditions ("Terms"). Please read them carefully. If you do not agree to these Terms, please do not use our Website.
2. Use of the Website
Eligibility:
You must be at least 18 years old to use this Website. By using the Website, you confirm that you meet this age requirement.
User Conduct:
You agree to use the Website for lawful purposes only. You are prohibited from posting or transmitting any material that is unlawful, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable.
Intellectual Property:
All content on the Website, including text, graphics, logos, and images, is the property of J&A Insurance or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on the Website without our prior written consent.
3. Services
Information Provided:
The information provided on this Website is for general informational purposes only and does not constitute professional advice. J&A Insurance does not guarantee the accuracy, completeness, or usefulness of this information.
Policy Application and Quotes:
Any policy applications or quotes provided through the Website are subject to the final terms and conditions of the actual policy issued. J&A Insurance reserves the right to refuse service, terminate accounts, or cancel orders at its discretion.
4. Privacy and Data Protection
Your use of the Website is also governed by our Privacy Policy, which details how we collect, use, and protect your personal information. Please review our Privacy Policy for more information.
5. Limitation of Liability
J&A Insurance and its affiliates, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of or inability to use the Website, including but not limited to damages for loss of profits, use, data, or other intangible losses.
6. Indemnification
You agree to indemnify and hold harmless J&A Insurance and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses, including reasonable attorney's fees, arising from your use of the Website or violation of these Terms.
7. Modifications and Termination
J&A Insurance reserves the right to modify or terminate the Website or any part of it, without notice, at any time. We may also change these Terms from time to time, and your continued use of the Website signifies your acceptance of any changes.
8. Governing Law
These Terms are governed by and construed in accordance with the laws of the jurisdiction in which J&A Insurance operates. Any disputes arising from these Terms or your use of the Website shall be resolved in the courts of that jurisdiction.