Terms of Service
Introduction
Welcome, and thank you for your interest in SJM Insurance, LLC. (“SJM,” “SJM Insurance,” “we,” or “us”) and our websites at sjminsures.com, and our other websites where we post this document as the applicable terms of use, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us (collectively, our “Service”). These Terms of Use are a legally binding contract between you and SJM Insurance regarding your use of the Service.
Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms of Service. These Terms of Service apply to all visitors, users, and others who access or use the Service.
By accessing or using the Service, You agree to be bound by these Terms of Service. If You disagree with any part of these Terms of Service, then You may not access the Service.You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in the singular or plural.
Definitions
For the purposes of these Terms of Service:
1. “Affiliate” means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for the election of directors or other managing authority.
2. “Company” (referred to as either “the Company,” “We,” “Us,” or “Our” in this Agreement) refers to SJM Insurance.
3. “Country” refers to the United States of America.
4. “Device” means any device that can access the Service, such as a computer, a cell phone, or a digital tablet.
5. “Feedback” means feedback, innovations, or suggestions sent by You regarding the attributes, performance, or features of our Service.
6. “Service” refers to the Website and brokerage services provided by SJM Insurance.
7. “Terms of Service” (also referred to as “Terms“) mean these Terms of Service that form the entire agreement between You and the Company regarding the use of the Service.
8. “Third-party Social Media Service” means any services or content (including data, information, products, or services) provided by a third party that may be displayed, included, or made available by the Service.
9. “Website” refers to SJM Insurance, accessible from https://sjminsures.com.
10. “You” means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Acknowledgment
PLEASE READ THE FOLLOWING TERMS CAREFULLY.
These are the Terms of Service governing the use of this Service and the agreement that operates between You and the Company. These Terms of Service set out the rights and obligations of all users regarding the use of the Service.
By clicking “Request A Quote” or another button on the site to submit your information to us, or by otherwise using the Service, you acknowledge that you have read, understood, and agree to be bound by the following terms and conditions, including the SJM Insurance Privacy Policy. If you do not agree with these Terms or do not meet the eligibility criteria, you must immediately discontinue use of the Service.
Scope of Service
SJM Insurance acts as an insurance brokerage. We provide assistance with selecting and applying for insurance policies from third-party carriers. Please note:
• SJM Insurance does not underwrite policies or guarantee coverage.
• All quotes are subject to the terms, conditions, and underwriting standards of the third-party carriers.
Accuracy of Information
While we strive to ensure all information on the Site is accurate and up-to-date, we do not warrant the accuracy, reliability, or completeness of any information provided. You are encouraged to verify details with our licensed agents before making financial or insurance decisions.
Consent for Electronic Communications
By providing your contact information, you consent to:
1. Receiving communications from SJM Insurance via phone, email, or text message about our services.
2. Calls and texts being monitored or recorded for quality assurance purposes.
You can opt out of receiving electronic communications at any time by following the instructions provided in each communication or contacting us directly.
Limitation of Liability
Notwithstanding any damages that You might incur, the entire liability of the Company and its suppliers under any provision of these Terms and Your exclusive remedy shall be limited to the amount actually paid by You through the Service.
To the maximum extent permitted by law, the Company shall not be liable for any special, incidental, indirect, or consequential damages whatsoever, including but not limited to:
• Loss of profits, data, or privacy.
• Business interruption or personal injury.
Some jurisdictions do not allow such exclusions, so some limitations may not apply to You.
No Guarantee of Insurance Approval
Submission of personal information or requesting a quote does not guarantee insurance coverage or approval. All insurance policies are subject to underwriting requirements, eligibility criteria, and the terms set by third-party carriers.
Third-Party Responsibility
SJM Insurance provides links and access to third-party insurance carriers for your convenience. We are not responsible for the policies, terms, or actions of these third parties.
Accessibility
We strive to make our Site accessible to all users, including those with disabilities. If you encounter any issues accessing our Site, please contact us for assistance.
Changes to These Terms
We reserve the right to modify or replace these Terms at any time. Changes will be effective upon posting to the Site, and we will notify users through email or a prominent notice. Continued use of the Service constitutes acceptance of the new Terms.
Dispute Resolution and Arbitration
All disputes arising under these Terms will be resolved through binding arbitration conducted in New York under the rules of the American Arbitration Association (AAA). You waive your right to a jury trial or class action. Your rights will be determined by a neutral arbitrator and not a judge or jury, and your claims cannot be brought as a class action
Contact Us
If you have any questions about these Terms of Service, please contact us at:
SJM Insurance
1074 Coney Island Avenue
Brooklyn, NY 11230
347-517-3464
support@sjminsures.com