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Terms of Service

J&N Financial Services

These Terms of Service govern your use of the website located at https://www.jnfservices.com/ and any related services provided by J&N Financial Services.

By accessing https://www.jnfservices.com/, you agree to abide by these Terms of Service and to comply with all applicable laws and regulations. If you do not agree with these Terms of Service, you are prohibited from using or accessing this website or using any other services provided by J&N Financial Services.

We, J&N Financial Services, reserve the right to review and amend any of these Terms of Service at our sole discretion. Upon doing so, we will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication.

These Terms of Service were last updated on 19 January 2026.

1. Limitations of Use

By using this website, you warrant on behalf of yourself, your users, and other parties you represent that you will not:

  • Modify, copy, prepare derivative works of, decompile, or reverse engineer any materials and software contained on this website;
  • Remove any copyright or other proprietary notations from any materials and software on this website;
  • Transfer the materials to another person or “mirror” the materials on any other server;
  • Knowingly or negligently use this website or any of its associated services in a way that abuses or disrupts our networks or any other service J&N Financial Services provides;
  • Use this website or its associated services to transmit or publish any harassing, indecent, obscene, fraudulent, or unlawful material;
  • Use this website or its associated services in violation of any applicable laws or regulations;
  • Use this website in conjunction with sending unauthorized advertising or spam.
  • Harvest, collect, or gather user data without the user’s consent;
  • Use this website or its associated services in such a way that may infringe the privacy, intellectual property rights, or other rights of third parties; or
  • Misrepresent your identity or affiliation with any person or organization.

2. Intellectual Property

The intellectual property in the materials contained in this website is owned by or licensed to J&N Financial Services and is protected by applicable copyright and trademark law. We grant our users permission to download one copy of the materials for personal, non-commercial, transitory use.

This constitutes the grant of a license, not a transfer of title. This license shall automatically terminate if you violate any of these restrictions or the Terms of Service, and may be terminated by J&N Financial Services at any time.

3. User-Generated Content

You retain your intellectual property ownership rights over content you submit to us for publication on our website. We will never claim ownership of your content, but we do require a license from you in order to use it.

When you use our website or its associated services to post, upload, share, or otherwise transmit content covered by intellectual property rights, you grant to us a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to use, distribute, modify, run, copy, publicly display, translate, or otherwise create derivative works of your content in a manner that is consistent with your privacy preferences and our Privacy Policy.

4. Financial Services Disclaimer

J&N Financial Services provides financial planning, insurance, and related advisory services. The information provided on this website is for general informational purposes only and should not be considered as financial, legal, or tax advice.

You acknowledge and agree that:

  • Any financial or insurance information provided on this website is general in nature and may not be suitable for your specific circumstances.
  • We are not responsible for any decisions you make based solely on information found on this website.
  • You should consult with qualified professionals, including licensed financial advisors, attorneys, and tax professionals, before making any financial decisions.
  • Insurance products and services are subject to terms, conditions, and availability from insurance carriers.
  • Past performance is not indicative of future results.
  • All insurance applications are subject to underwriting approval by the respective insurance carriers.

5. Consent to Electronic Communications

By submitting your contact information on our website (via forms, quote requests, or contact pages), you expressly consent to be contacted by J&N Financial Services, our agents, or our affiliates. You agree that we may contact you via telephone, email, or text message (SMS/MMS), even if your number is listed on a federal, state, or internal Do Not Call registry. You acknowledge that your consent is not a condition of purchase.

6. SMS/Text Messaging Terms and Conditions

In compliance with TCPA and A2P 10DLC regulations, the following terms apply to our SMS/Text Messaging program:

  1. Program Description: By providing your mobile number and opting in, you agree to receive promotional and informational text messages from J&N Financial Services regarding your insurance applications, policy updates, appointment reminders, and financial services offers. Messages may be sent using an automatic telephone dialing system.
  2. Frequency: Message frequency varies based on your interaction with us. You may receive recurring messages.
  3. Rates: Message and data rates may apply depending on your mobile carrier plan.
  4. Opt-Out (STOP): You can unsubscribe and opt out of receiving text messages at any time by replying with the keyword STOP to any message you receive from us. We will send you one final message to confirm you have been unsubscribed.
  5. Support (HELP): If you experience issues with the messaging program, you can reply with the keyword HELP for more assistance, or contact us directly at info@jnfservices.com.
  6. Carrier Liability: Mobile carriers (including T-Mobile, AT&T, Verizon, etc.) are not liable for delayed or undelivered messages.

7. Liability

Our website and the materials on our website are provided on an ‘as is’ basis. To the extent permitted by law, J&N Financial Services makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property, or other violation of rights.

In no event shall J&N Financial Services or its suppliers be liable for any consequential loss suffered or incurred by you or any third party arising from the use or inability to use this website or the materials on this website, even if J&N Financial Services or an authorized representative has been notified, orally or in writing, of the possibility of such damage.

In the context of this agreement, “consequential loss” includes any consequential loss, indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity, or otherwise.

8. Accuracy of Materials

The materials appearing on our website are not comprehensive and are for general information purposes only. J&N Financial Services does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on this website, or otherwise relating to such materials or on any resources linked to this website.

Financial markets, insurance products, tax laws, and regulations are subject to change. While we strive to keep information current and accurate, we make no guarantees regarding the timeliness or completeness of any information on this website.

9. Client Relationship

Visiting this website, submitting information through forms, or contacting us does not create a client-advisor relationship. A formal client relationship is established only through the execution of appropriate service agreements and compliance with all regulatory requirements.

10. Links

J&N Financial Services has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement, approval, or control by J&N Financial Services of the site. Use of any such linked site is at your own risk, and we strongly advise you to make your own investigations with respect to the suitability of those sites.

11. Appointment Scheduling and Consultations

When you schedule a consultation or appointment through our website:

  • You agree to provide accurate and complete information;
  • You understand that consultations may be conducted via phone, video conference, or in person.
  • You agree to our cancellation policy, which may require advance notice for rescheduling.
  • You acknowledge that initial consultations are for informational purposes and do not constitute formal financial advice until a client relationship is established.

12. Privacy and Data Collection

Your use of this website is also governed by our Privacy Policy, which incorporates the California Consumer Privacy Act (CCPA) rights for California residents. By using this website, you consent to the collection and use of information as outlined in our Privacy Policy, which can be found at https://www.jnfservices.com/privacy-policy.

13. Dispute Resolution: Arbitration and Class Action Waiver

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.

  1. Arbitration: You and J&N Financial Services agree that any dispute, claim, or controversy arising out of or relating to these Terms, or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Services (collectively, “Disputes”) will be settled by binding arbitration, except that each party retains the right to bring an individual action in small claims court.
  2. Class Action Waiver: You and J&N Financial Services agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. Further, unless both you and J&N Financial Services agree otherwise, the arbitrator may not consolidate more than one person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding.

14. Right to Terminate

We may suspend or terminate your right to use our website and terminate these Terms of Service immediately upon written notice to you for any breach of these Terms of Service.

15. Severance

Any term of these Terms of Service which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity of the remainder of these Terms of Service is not affected.

16. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the United States and the State in which J&N Financial Services operates. You irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

17. Insurance Licensing

J&N Financial Services and its representatives are licensed to sell insurance products in accordance with applicable state and federal regulations. Insurance products are offered through appropriately licensed entities and individuals. Not all products are available in all states.

18. Compliance

J&N Financial Services is committed to compliance with all applicable federal and state laws and regulations governing financial services and insurance products, including but not limited to regulations set forth by state insurance departments and financial regulatory authorities.

19. Contact Information

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

J&N Financial Services
Phone: 877-966-4245
Email: info@jnfservices.com
Website: https://www.jnfservices.com/

20. Acknowledgment

By using this website, you acknowledge that you have read these Terms of Service and agree to be bound by them.