Agreement to Terms
By accessing or using the JKB Benefits website (https://jkbbenefits.us), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
Independent Brokerage
JKB Benefits is an independent insurance brokerage. We are not affiliated with any government agency, including Medicare, Medicaid, or any state or federal health insurance programs. We work with multiple insurance carriers to provide you with insurance options.
Use of Website
License
Permission is granted to temporarily access the materials (information or software) on JKB Benefits's website for personal, non-commercial use only.
Restrictions
You are specifically restricted from:
- Using this website in any way that is unlawful or fraudulent
- Attempting to interfere with the proper functioning of the website
- Engaging in any data mining, data harvesting, or similar activity
- Using the website to engage in advertising or marketing
- Copying, reproducing, or distributing content without permission
Insurance Services Disclaimer
No Insurance Advice
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Every individual's insurance needs are unique, and you should consult with Cynthia Bennett directly to discuss your specific situation.
No Guarantees
We do not guarantee:
- Approval for any insurance policy
- Specific rates, premiums, or coverage terms
- That any particular insurance product is suitable for your needs
- Availability of any insurance product at any given time
Carrier Relationship
All insurance policies are issued by the respective insurance carriers. JKB Benefits acts as an independent broker and facilitates the relationship between you and the insurance carrier. Policy terms, conditions, coverage, and claims are subject to the carrier's policies and procedures.
Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, reliability, or availability of any information on the website. Insurance products, rates, and availability are subject to change without notice.
Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by JKB Benefits. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
Intellectual Property
The content, design, graphics, and other materials on this website are protected by copyright, trademark, and other intellectual property laws. The JKB Benefits name and logo are trademarks of JKB Benefits.
Limitation of Liability
To the maximum extent permitted by applicable law, JKB Benefits shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your access to or use of (or inability to access or use) our services
- Any information obtained from our website
- Any decisions made based on information from our website
- Unauthorized access to or alteration of your information
Indemnification
You agree to defend, indemnify, and hold harmless JKB Benefits, Cynthia Bennett, and their affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of the website or your violation of these Terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the website shall be resolved in the courts of New York State.
Changes to Terms
We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of any material changes by updating the "Last Updated" date at the top of this page. Your continued use of the website after any changes constitutes acceptance of those changes.
Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
Contact Information
If you have any questions about these Terms of Service, please contact us:
Acknowledgment
By using JKB Benefits's website, you acknowledge that you have read these Terms of Service and agree to be bound by them.