Terms of Service

1. Acceptance of Terms

By accessing or using the J & J Group Insurance website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

J & J Group Insurance provides insurance and tax-related services, including:

• Life and health insurance consultation and placement
• Retirement planning guidance
• Income tax preparation and filing
• ITIN application assistance
• Public notary services
• Final expense planning

3. No Professional-Client Relationship

Browsing this website, using our calculators, or reading our content does not create a professional-client relationship. A formal relationship is established only when you engage our services through a signed agreement.

4. General Information Disclaimer

Information on this website is provided for general informational purposes only and does not constitute:

• Legal advice
• Tax advice
• Financial planning advice
• A guarantee of specific results

You should consult with qualified professionals regarding your specific situation.

5. Insurance and Coverage Disclaimers

Insurance coverage is subject to:

• Eligibility requirements
• Underwriting approval by insurance carriers
• Specific policy terms and conditions
• State availability

We cannot guarantee that any particular insurance policy will be available to you or that you will be approved for coverage.

6. Tax Service Disclaimers

Tax estimates and calculations on this website are approximate and for educational purposes only. Actual tax liability may vary based on:

• Your complete financial situation
• Changes in tax laws and regulations
• IRS interpretation and rulings
• Additional factors not captured by calculators

We do not guarantee any specific tax refund amount or tax liability.

7. User Responsibilities

You agree to:

• Provide accurate and complete information
• Use our website and services lawfully
• Not interfere with website operations
• Respect intellectual property rights
• Keep your account information confidential (if applicable)

8. Limitation of Liability

To the fullest extent permitted by law, J & J Group Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

9. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of J & J Group Insurance or its licensors and is protected by copyright and other intellectual property laws.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of any third-party sites.

11. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Your continued use of the website after changes constitutes acceptance of the modified terms.

12. Governing Law

These Terms of Service are governed by the laws of the State of Florida, without regard to its conflict of law provisions.

13. Contact Information

For questions about these Terms of Service, please contact us: