Disclaimer

The information contained on this website (jjyfinancial.com) is provided for general informational and educational purposes only. It is not intended to constitute, and should not be construed as, professional financial, legal, tax, accounting, insurance, or investment advice.

While JJY Financial strives to keep the information on this Site accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Site.

Use of this website does not create a professional, advisory, fiduciary, or client relationship between you and JJY Financial or any of its representatives. A formal engagement agreement must be executed before any professional services are rendered.

You should always seek the advice of a qualified professional — such as a licensed financial advisor, attorney, CPA, or insurance agent — before making any financial, legal, or insurance decisions.

Insurance products and services described on this website are offered through JJY Financial and its licensed representatives in the State of California. Coverage is subject to policy terms, conditions, exclusions, and underwriting approval by the applicable insurance carrier.

Not all products or coverage options may be available in all states or for all individuals. Premium rates and coverage availability are subject to change. Please review all policy documents carefully before purchasing any insurance product.

Tax preparation and financial planning information provided on this Site is general in nature and may not apply to your specific situation. Tax laws are complex and subject to change. JJY Financial does not guarantee any specific tax outcome or refund amount.

Any tax or financial strategy discussed on this Site should be reviewed with a qualified tax professional before implementation. JJY Financial is not responsible for any tax penalties, interest, or other consequences resulting from reliance on information provided on this Site.

Estate planning information on this Site is provided for general educational purposes only. JJY Financial is not a law firm and does not provide legal advice. Estate planning documents such as wills, trusts, and powers of attorney require the involvement of a licensed attorney to be legally valid and enforceable.

Laws governing estate planning vary by state and are subject to change. You should consult a licensed estate planning attorney in your jurisdiction before making any estate planning decisions.

Notarial services are performed by licensed notary publics in accordance with California law. Notarization does not constitute legal advice or verification of the accuracy or legality of the contents of any document. It is the responsibility of the signing parties to ensure the documents they present for notarization are legally valid and appropriate for their intended purpose.

This website may contain forward-looking statements or projections regarding financial outcomes, market conditions, or service results. These statements are based on current expectations and assumptions and are subject to risks and uncertainties. Actual results may differ materially from those projected. JJY Financial undertakes no obligation to update any forward-looking statements.

This website may contain links to external websites that are not operated by JJY Financial. We have no control over the content, privacy practices, or availability of those sites and accept no responsibility for them. The inclusion of any link does not imply endorsement by JJY Financial.

To the fullest extent permitted by applicable law, JJY Financial shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or any information contained herein — even if JJY Financial has been advised of the possibility of such damages.

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