Terms of Use — JJ Edwards Financial

1) Acceptance of Terms

By accessing or using https://SITE_URL (the “Site”) and our services, you agree to these Terms of Use (“Terms”) and our Privacy Policy. If you do not agree, do not use the Site.

2) Changes to the Terms

We may update these Terms from time to time. The “Effective date” above reflects the latest version. Your continued use of the Site after changes means you accept the updated Terms.

3) Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site or submit information.

4) Site Use & Accounts

• Use the Site only for lawful purposes and in accordance with these Terms.
• Do not interfere with or disrupt the Site, its servers, or networks.
• If any account or portal access is provided, keep your credentials confidential and notify us of any unauthorized use.

5) Content & Intellectual Property

The Site and its contents (text, graphics, logos, designs) are owned by or licensed to JJ Edwards Financial and are protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our prior written consent, except for limited personal, non-commercial use.

All trademarks, service marks, and logos on the Site are the property of their respective owners. Use does not grant you any rights or licenses.

6) Your Submissions

By submitting information through forms (e.g., quote requests, consultations), you represent that it is accurate and you have the right to provide it. You grant us a non-exclusive license to use the information to provide requested services and operate our business, subject to our Privacy Policy.

7) No Professional or Legal Advice

Content on the Site is for general informational purposes only and is not legal, tax, investment, or medical advice. Individual circumstances vary. You should consult appropriate professionals before making decisions.

8) Third-Party Links & Tools

The Site may contain links to third-party websites or embed third-party tools (e.g., maps, video players). We are not responsible for their content or practices. Use of third-party services is at your own risk and subject to their terms and policies.

9) Quotes, Estimates & Services

Any quotes or estimates provided are based on information you supply and third-party carrier data available at the time and are subject to change. Coverage, pricing, and eligibility are determined by the relevant carriers and applicable laws. We do not guarantee approval or specific outcomes.

10) Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and share information.

11) Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

12) Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, JJ EDWARDS FINANCIAL AND ITS OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100) OR THE AMOUNT YOU PAID TO US, IF ANY, DURING THE SIX (6) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM—WHICHEVER IS GREATER.

13) Indemnification

You agree to defend, indemnify, and hold harmless JJ Edwards Financial and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or your misuse of the Site.

14) Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to our interests, other users, or third parties.

15) Governing Law & Venue

These Terms are governed by the laws of the State of Georgia, USA, without regard to its conflict of laws rules. You agree to the exclusive jurisdiction and venue of the state and federal courts located in Georgia for any disputes not subject to arbitration (if applicable).

16) Miscellaneous

• Severability: If any provision is found unenforceable, the remaining provisions remain in effect.
• Entire Agreement: These Terms constitute the entire agreement between you and us regarding the Site.
• Assignment: You may not assign these Terms without our prior written consent.
• No waiver: Our failure to enforce any provision is not a waiver of our right to do so later.

17) Contact