Terms of Service

By accessing or using the JJY Financial website at jjyfinancial.com (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Site.

These Terms apply to all visitors, users, and others who access or use the Site. We reserve the right to update these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

The content on this Site is provided for general informational purposes only and does not constitute professional financial, legal, tax, or insurance advice. Nothing on this Site creates a client, advisory, fiduciary, or professional relationship between you and JJY Financial.

You should not act or refrain from acting based on any information on this Site without first seeking qualified professional advice tailored to your specific circumstances.

JJY Financial makes no representations or warranties regarding the accuracy, completeness, or suitability of any information on this Site. Any reliance you place on such information is strictly at your own risk.

Past results described on this Site (including client statistics, retention rates, or outcomes) are provided for illustrative purposes only and do not guarantee similar results for any individual or business.

JJY Financial and its representatives are licensed to provide insurance and financial services in the State of California. Services may not be available in all jurisdictions. Insurance products are subject to underwriting approval, policy terms, and applicable state regulations.

Engagement of professional services (bookkeeping, tax preparation, estate planning, notarial services) is governed by a separate written agreement between you and JJY Financial. No professional relationship is formed by your use of this Site alone.

All content on this Site — including text, graphics, logos, images, and software — is the property of JJY Financial or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.

You may view and print pages from this Site for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content without our prior written consent.

By using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any regulations
• Transmit any harmful, offensive, or disruptive content
• Attempt to gain unauthorized access to any part of the Site or its systems
• Use automated tools (bots, scrapers) to collect data from the Site without permission
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

This Site may contain links to third-party websites for your convenience. JJY Financial does not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party sites. Your use of third-party sites is at your own risk.

THIS SITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

JJY Financial does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

TO THE FULLEST EXTENT PERMITTED BY LAW, JJY FINANCIAL AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS SITE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

In no event shall JJY Financial's total liability to you for all claims arising from your use of the Site exceed one hundred dollars ($100).

You agree to indemnify, defend, and hold harmless JJY Financial and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of another party.

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in San Bernardino County, California.

If you have questions about these Terms of Service, please contact us: