Disclaimer

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Disclaimer

Effective Date: March 1, 2025
Company: JMI Insurance
Website: JMIInsurance.com

Disclaimer for JMI Insurance. At JMI Insurance, your trust is important to us. This Disclaimer outlines the legal limitations of our website, communications, and services. By accessing this website, submitting a request, or engaging our team, you agree to the terms of this Disclaimer in full. If you do not agree, please do not use this site.

1. No Coverage is Bound via Website Email

Submitting a quote request, inquiry, or message via this website does not constitute binding insurance coverage.

Coverage is not active until:

  • Your completed application is submitted,

  • The insurance carrier approves and issues a policy,

  • You receive written confirmation of coverage, and

  • Required premiums or deposits are received and processed.

Until then, you are not insured. Please do not cancel any current policies without confirmation of new coverage in force.

2. Independent Agency Status

JMI Insurance is a Trusted Choice® independent insurance agency licensed in Oregon and other applicable states. We are not owned or operated by any insurance company. We do not set premiums, control carrier decisions, or guarantee acceptance.

All policies are subject to:

  • Carrier-specific underwriting requirements,

  • Terms and conditions of the issuing insurer, and

  • Applicable state and federal insurance regulations.

3. This is Not Financial, Legal, or Tax Advice

Nothing on this website constitutes financial, legal, or tax advice.

All content is for general informational purposes only. You should always consult with:

  • A licensed financial advisor,

  • A certified public accountant (CPA),

  • An attorney, or

  • A tax professional

… before making decisions that affect your financial situation or risk exposure.

JMI Insurance is not responsible for decisions made based on general content, example scenarios, or tools provided on this site.

4. No Medical Advice Provided

While JMI Insurance may offer access to health and medical insurance plans through third-party carriers, we do not provide medical advice.

Any medical, wellness, or treatment-related information:

  • Is provided by the carrier or their platforms,

  • Is not evaluated or verified by JMI Insurance,

  • Should not be relied upon as professional healthcare guidance.

Always consult your licensed physician, healthcare provider, or licensed medical practitioner before making health decisions.

5. No Guarantee of Approval or Pricing

Quotes and estimates provided through our agents or digital tools are not binding offers. They are based on limited preliminary data and may change upon:

  • Full underwriting review,

  • Review of driving, credit, claims, or loss history,

  • Verification of eligibility and documentation.

Insurance carriers reserve the right to deny coverage or modify terms at their sole discretion.

6. Limitation of Liability

To the fullest extent permitted by law, JMI Insurance shall not be liable for:

  • Errors or omissions on our website,

  • Delays in quote generation or coverage activation,

  • Technical issues, outages, or miscommunications,

  • Denial of claims or coverage by third-party carriers,

  • Losses, damages, or expenses incurred from using or relying on this website.

We are not liable for incidental, indirect, or consequential damages resulting from your use of our site, services, or affiliated links.

7. Third-Party Websites and Links

This website may include links to third-party platforms, including insurance carriers, quoting engines, or educational resources.

We do not:

  • Control the content of these sites,

  • Guarantee the accuracy or reliability of external content,

  • Accept responsibility for any loss or harm resulting from the use of third-party resources.

Your interaction with external websites is governed by their own terms and privacy policies.

8. Regulatory Compliance

JMI Insurance adheres to applicable laws and regulations enforced by:

  • The Oregon Division of Financial Regulation (DFR),
  • The National Association of Insurance Commissioners (NAIC),
  • Applicable state departments of insurance in the states we operate,
  • The National Association of Insurance Commissioners (NAIC),
  • Applicable state departments of insurance in the states we operate,
  • Requirements set by the Oregon Department of Motor Vehicles (DMV)
  • Requirements set by the Portland Bureau of Transportation (PBOT)
  • Federal privacy and trade laws, including:
    • The Gramm-Leach-Bliley Act (GLBA),
    • The CAN-SPAM Act, and
    • The Fair Credit Reporting Act (FCRA).

We only sell insurance in states where we are properly licensed and authorized.

9. Intellectual Property Rights

All content on this website—including but not limited to text, graphics, images, branding, and layout—is the intellectual property of JMI Insurance and may not be:

  • Copied,

  • Reproduced,

  • Modified, or

  • Distributed

… without written permission, except as required for personal, non-commercial use.

10. Accuracy of Information

While we strive to ensure accuracy, we do not guarantee that all information is:

  • Up to date,

  • Error-free,

  • Applicable to your situation.

Policy terms always prevail over website summaries or marketing descriptions. Final decisions regarding coverage, pricing, and claims rest with the issuing insurance carrier.

11. User Responsibilities

By using this website, you agree to:

  • Provide truthful and accurate information when requesting quotes or services,

  • Comply with all laws and regulations,

  • Refrain from engaging in fraudulent or abusive conduct on this website,

  • Assume full responsibility for your use of any tools, calculators, or decision-support content provided.

12. Use of Cookies & Tracking Technologies

As explained in our Privacy Policy, JMI Insurance uses cookies and tracking tools to:

  • Improve user experience,

  • Track website performance,

  • Deliver relevant ads or content.

You may disable cookies via your browser settings, though this may affect certain features.

13. Changes to This Disclaimer

JMI Insurance reserves the right to update or modify this Disclaimer, Privacy Policy, or Terms and Conditions at any time. Any updates will be posted on this page with an updated Effective Date. Continued use of the website constitutes your acceptance of the updated Terms.

14. Contact Information

If you have any questions regarding this Disclaimer or your use of this website, please contact us:

📧 Email: Info@JMIInsurance.com
📍 Mailing Address: 3737 SW 117th Ave, Beaverton, OR 97005
📞 Phone: (503) 671-9966