Terms & Conditions

TERMS & CONDITIONS
​
JB Risk Management & Insurance Service
Last Updated: May 2026

Acceptance of Terms
Please read these Terms of Service carefully before using JB Risk Management & Insurance Service resources, applying to become an insurance agent, or otherwise engaging with the Company.

By accessing or using any Company Resources, you agree to be bound by these Terms. If you do not agree, you must immediately discontinue use of the Company’s services.

IMPORTANT NOTICE:
These Terms include an arbitration agreement, jury trial waiver, class action waiver, limitation of liability, and other provisions affecting your legal rights.

Definitions – “Resources”
“Resources” include but are not limited to:

• Company website and digital platforms
• CRM systems and agent portals
• Leads and marketing data
• Communication tools (email, SMS, phone systems)
• Compensation and commission systems

All Resources are provided “as is” without warranties of any kind.

Use of Resources
Use of the Company’s Resources is conditioned on your compliance with these Terms.
You agree that:

• You are responsible for lawful use of all Resources
• You will comply with all applicable laws and regulations
• The Company may suspend or terminate access for violations

Communications & Consent (CIPA Compliance)
By using the Company’s Resources or engaging with the Company, you acknowledge and consent that:

• The Company may monitor, record, or store communications (including phone calls, emails, SMS, and platform activity) for training, compliance, and quality assurance purposes
• You are responsible for obtaining any required consent from individuals prior to recording or transmitting communications
• Where required by law (including California Invasion of Privacy Act (CIPA)), you agree to provide proper notice and obtain consent before recording any call or electronic communication

Outbound Communications & Legal Compliance
You agree that you will NOT:

• Sell, resell, or transfer leads without written authorization
• Use autodialers, prerecorded messages, spam texts, or automated calling systems
• Contact individuals without proper consent or Do-Not-Call (DNC) screening
• Contact any individual who has opted out of communication
• Use misleading, unapproved, or non-compliant marketing materials

You agree to comply with all applicable laws, including:

• TCPA (Telephone Consumer Protection Act)
• TSR (Telemarketing Sales Rule)
• CAN-SPAM Act
• HIPAA
• CCPA / CPRA (California Consumer Privacy Act)
• VPPA (Video Privacy Protection Act, where applicable)
• Medicare marketing rules and CMS guidance (if applicable)

Medicare Marketing Compliance (If Applicable)
If you engage in Medicare-related marketing, you agree that you will NOT:

• Conduct unsolicited telemarketing, SMS, or email outreach
• Contact prospects without authorization or Scope of Appointment
• Use unapproved CMS or carrier marketing materials
• Enroll individuals via outbound calls
• Engage in misleading or non-compliant Medicare communications​

Communication With Agents
By engaging with the Company, you authorize communication via:

• Phone calls (including recorded calls where permitted by law)
• SMS/text messages
• Email
• Voicemail
• Other electronic communication channels

You may opt out of non-essential communications by notifying the Company.

Independent Contractor Relationship
Unless otherwise stated:

• Agents are independent contractors
• No employment relationship exists
• No partnership, joint venture, or agency relationship is created

Agents retain control over how they perform their services.

Intellectual Property & Trademarks
All Company names, logos, branding, and materials are owned by the Company or its licensors.

You may not use, reproduce, or distribute any trademarks without prior written consent.

Indemnification
You agree to defend, indemnify, and hold harmless the Company, its affiliates, officers, employees, contractors, and agents from any claims, liabilities, damages, or expenses (including attorney fees) arising from:

• Your violation of these Terms
• Your misuse of Company Resources
• Your violation of any applicable law

Limitation of Liability
To the fullest extent permitted by law:

• The Company is not liable for indirect, incidental, special, consequential, or punitive damages
• Total liability shall not exceed the greater of:
  • $1,000, OR
  • Amounts paid by you to the Company for services or access

Agreement to Arbitrate
Any dispute arising from these Terms or use of Company Resources shall be resolved through binding arbitration.
Key terms:

• Administered by the American Arbitration Association (AAA)
• Location: Dallas, Texas
• No jury trials or class actions permitted
• Arbitration is final and binding
• This clause survives termination of your relationship with the Company

Waiver & Severability

• Failure to enforce any provision does not constitute a waiver
• If any provision is found invalid or unenforceable, the remaining provisions remain in full effect

SMS Terms & Conditions
By opting into SMS communications, you agree to receive text messages from JB Risk Management & Insurance Service.
Message Types:

• Appointment reminders
• Account notifications
• Service updates
• Marketing communications

Frequency:
Message frequency may vary.

Fees:
Message and data rates may apply.

Privacy Notice:
Your information is handled in accordance with our Privacy Policy and applicable privacy laws including CCPA/CPRA and VPPA where applicable.

Privacy Compliance (CCPA / CPRA / VPPA Notice)
Where applicable:

• Users have the right to know what personal data is collected
• Users may request deletion or correction of personal information
• Users may opt out of the sale or sharing of personal data
• The Company does not knowingly sell personal data without proper disclosure
• Video-related interactions (if any) may be subject to VPPA protections

For privacy-related requests, refer to the Company’s Privacy Policy or contact us directly.
​
Contact Information
For questions regarding these Terms:

JB Risk Management & Insurance Service
Email: [email protected]
Phone: (805) 601-6840
Website: https://www.jbriskmanagement.com/