1. Acceptance of Terms
   By accessing and using the services provided by J&Z Insurance Brokerage Inc., including our website and insurance offerings, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree to these terms, please do not use our services.

2. Our Services
   J&Z Insurance Brokerage Inc. offers a range of insurance services, including but not limited to:

• Automobile insurance

• Housing insurance

• Commercial insurance

• Labor insurance

• Life insurance

• Other types of insurance

We provide consultations, policy reviews, risk assessments, and assist you in finding the most suitable insurance products based on your needs. Our services are available free of charge for consultations and evaluations, while the insurance products themselves may have associated costs.

   3. Use of the Website
You are responsible for ensuring that your use of our website complies with all applicable laws and regulations. You agree not to:

• Use our website for any illegal, harmful, or malicious activities.

• Attempt to interfere with or disrupt the website’s functionality, servers, or networks.

• Upload or transmit any content that is harmful, offensive, or violates the rights of others.

    4.Intellectual Property
All content on our website, including but not limited to text, images, logos, and design elements, is the intellectual property of J&Z Insurance Brokerage Inc. and is protected by copyright and trademark laws. You may not use, reproduce, or distribute any content from our website without our prior written permission.

    5.User Accounts
To access certain services on our website, you may be required to create an account. You agree to:

• Provide accurate and complete information during the account registration process.

• Keep your account information secure and notify us immediately of any unauthorized use of your account.

   6.Disclaimer of Warranties
Our website and services are provided on an "as is" and "as available" basis. We do not make any warranties or representations regarding the accuracy, reliability, or completeness of the information on our website or the services we provide. We are not responsible for any errors, omissions, or interruptions in our services.

   7.Limitation of Liability
To the fullest extent permitted by law, J&Z Insurance Brokerage Inc. is not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our website or services, including but not limited to loss of data or business opportunities.

   8.Indemnification
You agree to indemnify and hold harmless J&Z Insurance Brokerage Inc., its officers, employees, and agents from any claims, damages, liabilities, or expenses arising out of your violation of these Terms of Service or your use of our website and services.

   9.Termination
We reserve the right to suspend or terminate your access to our website and services at our discretion, especially if we believe you have violated these Terms of Service.

    10.Changes to Terms of Service
We reserve the right to update or modify these Terms of Service at any time. Any changes will be posted on this page with the updated date. Please review this page regularly for any updates.

   11.SMS Messaging Terms
By opting in to receive SMS messages from J&Z Insurance Brokerage Inc., you agree to receive promotional and informational messages related to our services. Message frequency may vary, with an estimated 1-2 messages per month. Message and data rates may apply.

• To opt out of receiving messages, reply STOP to any message.

• For assistance, reply HELP or contact us at help@jnzinsurance.com or 929-200-7152.

    12.Privacy Policy
We are committed to protecting your privacy. We do not share your personal or mobile information with third parties for marketing purposes without your explicit consent. Your personal information is collected to provide and improve our services. Your data may be shared with third-party service providers for processing purposes, but we ensure they adhere to strict data protection standards.

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We do not share your mobile opt-in information with any third parties for marketing purposes. Your information is used solely for the purpose of providing you with the services you have requested from J&Z Insurance Brokerage Inc.

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You have the right to opt out of receiving SMS messages at any time. To opt out, reply STOP to any message received or contact us at support@sijiny.com.

   13.Contact Information
For any questions or concerns about these Terms of Service, please contact us at:

J&Z Insurance Brokerage Inc.
Email: help@jnzinsurance.com
Phone: 929-200-7152