Terms & Conditions

Welcome to the website of J Gard Benefit Consultants (“JGBC,” “we,” “us,” or “our”). By accessing or using this website, you agree to these Terms & Conditions. If you do not agree with these terms, please do not use this website.

1. Website Use

This website is provided for general informational and educational purposes regarding employee benefits, insurance, benefits consulting, compliance support, cost-containment strategies, and related services.

You may use this website only for lawful purposes and in accordance with these Terms & Conditions. You agree not to use the website in any way that could damage, disable, interfere with, or impair the operation or security of the website.

2. No Insurance or Benefits Advice

Information provided on this website is general in nature and should not be considered insurance, legal, tax, financial, medical, or other professional advice.

Employee benefit programs, insurance products, regulations, and compliance requirements vary depending on an employer’s circumstances, location, workforce, plan structure, and other factors.

Information presented on this website should not be relied upon as a substitute for professional advice specific to your organization or individual circumstances.

3. No Guarantee of Coverage

Use of this website, submission of a contact form, completion of an online questionnaire, or communication with JGBC through the website does not create an insurance policy, guarantee insurance coverage, bind coverage, or establish a client relationship.

Insurance coverage is subject to applicable carrier requirements, underwriting, eligibility rules, policy terms, exclusions, limitations, and other conditions.

Coverage is not effective unless and until it has been formally confirmed by the appropriate insurance carrier or authorized party.

4. Information Accuracy

We make reasonable efforts to provide accurate and current information. However, laws, regulations, insurance products, carrier requirements, benefit programs, rates, and industry practices may change.

We do not guarantee that all information on this website will always be complete, accurate, or current.

JGBC reserves the right to modify, update, remove, or correct website content at any time without notice.

5. Third-Party Providers and Services

JGBC may work with insurance carriers, third-party administrators, technology providers, benefit vendors, consultants, financial professionals, and other service providers.

References or links to third-party companies, products, services, or websites are provided for convenience and informational purposes only and do not necessarily constitute an endorsement.

JGBC does not control third-party websites and is not responsible for their content, availability, security, privacy practices, products, or services.

Your interaction with any third-party provider is subject to that provider’s own terms, policies, and agreements.

6. Website Forms and Communications

When you submit information through a website form, survey, questionnaire, email, or other communication method, you agree to provide accurate information.

Submitting information through this website does not guarantee that JGBC will provide services, insurance coverage, benefits recommendations, or any particular outcome.

Please do not submit highly sensitive personal, medical, financial, or confidential information through general website contact forms unless specifically requested through an appropriate secure method.

7. Intellectual Property

Unless otherwise stated, all content on this website—including text, graphics, logos, branding, photographs, illustrations, videos, page layouts, and other materials—is owned by or licensed to J Gard Benefit Consultants and is protected by applicable intellectual property laws.

Website content may be viewed, downloaded, or printed for personal or internal business use only.

You may not reproduce, distribute, modify, republish, sell, license, or commercially exploit website content without prior written permission from JGBC or the applicable rights holder.

8. Prohibited Uses

You may not use this website to:

• Violate any applicable law or regulation.
• Attempt to gain unauthorized access to the website, servers, systems, or data.
• Introduce viruses, malicious code, automated attacks, or other harmful technology.
• Collect or scrape website information through unauthorized automated means.
• Impersonate another individual or organization.
• Interfere with the proper operation or security of the website.
• Use website content for fraudulent, misleading, or unlawful purposes.
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9. Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, JGBC makes no warranties, express or implied, regarding the website or its content, including warranties of accuracy, reliability, availability, merchantability, fitness for a particular purpose, or non-infringement.

We do not guarantee that the website will operate without interruption, errors, viruses, security vulnerabilities, or other technical issues.

10. Limitation of Liability

To the fullest extent permitted by applicable law, J Gard Benefit Consultants and its owners, employees, representatives, affiliates, and service providers will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of—or inability to use—this website or reliance on information presented through the website.

This limitation applies regardless of the legal theory upon which a claim is based.

Some jurisdictions may not allow certain limitations of liability, in which case these limitations will apply only to the maximum extent permitted by law.

11. Privacy

Your use of this website is also subject to our Privacy Policy.

Information submitted through the website may be collected, processed, and used as described in the Privacy Policy and in accordance with applicable privacy laws.

12. Changes to These Terms

JGBC may revise these Terms & Conditions periodically.

Updates will be posted on this page with a revised “Last Updated” date. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.

13. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with applicable laws of the State of Arizona and applicable federal law, without regard to conflict-of-law principles, except where another jurisdiction’s law is required to apply.

14. Contact Us

If you have questions regarding these Terms & Conditions, please contact:

J Gard Benefit Consultants
5040 E. Shea Blvd., Suite 160
Scottsdale, AZ 85254

Phone: 602-885-8855

Email: Info@JGardBenefits.com

J GARD BENEFIT CONSULTANTS
dba J GARD INSURANCE AGENCY of CA
California License #6007311