Please read these terms carefully before using our services.
Welcome to MJSins. By accessing or using our website, services, or any content provided through our platform, you agree to be bound by these Terms and Conditions. These terms constitute a legally binding agreement between you and MJSins.
If you do not agree with any part of these terms, you must immediately discontinue use of our website and services. Your continued use of our platform signifies your acceptance of any modifications to these terms.
MJSins provides insurance brokerage services, including but not limited to:
We act as an intermediary between you and insurance carriers. The actual insurance coverage is provided by third-party insurance companies, not MJSins. We do not underwrite policies or assume financial risk for claims.
Note: Insurance products and availability vary by state and carrier. Not all products may be available in your jurisdiction.
You agree to provide accurate, complete, and current information when requesting quotes, applying for policies, or communicating with our representatives. Providing false or misleading information may result in policy denial, cancellation, or claim rejection by the insurance carrier.
You agree not to engage in any of the following activities:
If you create an account with MJSins, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Notify us immediately of any unauthorized use or security breach.
All content on the MJSins website, including text, graphics, logos, images, audio clips, digital downloads, and software, is the property of MJSins or its content suppliers and is protected by intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content without our express written permission.
MJSins, our logo, and related marks are trademarks or registered trademarks of MJSins. Other trademarks appearing on our website are the property of their respective owners. You may not use any trademark without prior written authorization.
Our services and website are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.
While we strive to secure the best insurance options for our clients, we cannot guarantee that you will qualify for coverage or that any particular rate, premium, or policy will be available. Insurance carriers make final underwriting decisions based on their own criteria.
We make reasonable efforts to ensure information on our website is accurate and up to date. However, insurance products, rates, and availability change frequently. We disclaim any warranties regarding the accuracy, completeness, or timeliness of information provided.
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of use of external sites. Your interactions with third-party websites are solely between you and that third party.
Information provided on our website is for general informational purposes only and should not be construed as professional legal, financial, or tax advice. Consult with qualified professionals regarding your specific circumstances.
To the fullest extent permitted by law, MJSins, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services or website.
This includes, but is not limited to, damages for loss of profits, revenue, data, or business opportunities, even if we have been advised of the possibility of such damages.
In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability is limited to the maximum extent permitted by law.
Note: Insurance coverage is subject to the terms and conditions of the policy issued by the insurance carrier. Claims disputes should be directed to the carrier.
We reserve the right to suspend or terminate your access to our website and services at any time, with or without notice, for any reason, including but not limited to violation of these Terms and Conditions.
Upon termination, your right to use our services will immediately cease. Provisions regarding intellectual property, disclaimers, limitation of liability, and governing law shall survive termination.
You may discontinue use of our services at any time. However, insurance policies that have been issued remain in effect according to their terms and cannot be canceled through MJSins without following the carrier's cancellation procedures.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Louisiana, without regard to its conflict of law provisions.
Any disputes arising from or relating to these terms or your use of our services shall first be attempted to be resolved through good faith negotiation between the parties.
If a dispute cannot be resolved through negotiation, you agree to submit to binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in New Orleans, Louisiana.
You agree to resolve disputes with MJSins on an individual basis and waive your right to participate in class action lawsuits or class-wide arbitration.
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
MJSins reserves the right to modify, update, or replace these Terms and Conditions at any time. Changes will be posted on this page with an updated effective date.
Your continued use of our website and services after any modifications constitutes acceptance of the revised terms. We encourage you to review these terms periodically to stay informed of any updates.
If you have questions or concerns about these Terms and Conditions, please contact us through the following channels:
