J & R Health Insurance LLC (“we”, “us”) provides this website and its content subject to the following Terms of Use. By accessing or using the Site, you agree to these terms.
1. Acceptance. You must be at least 18 years old (or have parental consent) to use this Site. Use of the Site is subject to these terms and any applicable laws. We may update or modify these terms at any time; changes are effective when posted (we will note the “Last Updated” date above). Continued use of the Site after changes means you accept them.
2. Use of Site; Account. You may use the Site only for lawful purposes and in accordance with these terms. You agree not to: (a) violate any laws or regulations (including GDPR, CCPA); (b) infringe our or others’ intellectual property or privacy; (c) transmit harmful code (viruses, etc.); (d) scrape, impersonate, or bypass security features. If you create an account, you must provide accurate information and keep your password secure. You are responsible for activity under your account.
3. Content; Ownership. All content on the Site (text, graphics, logos, images, software) is owned by us or our licensors and is protected by copyright and other IP laws. You are granted a limited license to view the content for personal, noncommercial use. You may not reproduce, distribute, adapt, or create derivative works without our consent. The Site may contain links to third-party sites; we do not control or endorse their content.
4. User Submissions. If you post comments or submit material (e.g. via forms or forums), you grant us a non-exclusive, worldwide, royalty-free license to use, modify, and publish that content. You agree that anything you post is non-confidential and will not violate any laws or rights (privacy, defamation, etc.).
5. DMCA and Copyright. We respect copyright laws. If you believe user-generated content or submissions on our Site infringe your copyright, please send a written notice containing the information required by the U.S. DMCA: J & R Health Insurance LLC, 702 S Hill Park Dr, Ste 205, Puyallup, WA 98373, info@jrhealthins.org, (253) 528-8805. We will respond to valid infringement notices (for example, by removing the content) to maintain safe harbor protection.
6. Disclaimers. THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND. We disclaim all warranties (express, implied) including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant the accuracy, completeness, or reliability of the Site content. Your use is at your own risk.
7. Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES arising out of your use of the Site or any content. Our total liability for any claim related to the Site will not exceed the fees (if any) you paid us in the last 12 months (or $100 if none).
8. Indemnification. You agree to indemnify and hold us harmless from any claims, losses, or damages (including attorney’s fees) arising from your violation of these terms or your use of the Site.
9. Governing Law & Disputes. These terms are governed by the laws of [GOVERNING LAW JURISDICTION]. Any disputes will be resolved in that jurisdiction. (Parties may also opt for arbitration or mediation by mutual agreement.)
10. Contact. For questions about these terms, contact us at info@jrhealthins.org or 702 S Hill Park Dr, Ste 205, Puyallup, WA 98373.