Last updated: December 30, 2022
Please read these Terms of Use (“Terms”, “Terms of Use”) carefully before using the https://jimkreisman.com and https://dreamprotector.com website (the “Service”) operated by Jim Kreisman Insurance Agency, Inc. (“us”, “we”, or “our”).
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.
Accounts
When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.
You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.
You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
SMS Terms & Conditions
Messaging Frequency: We will only text when we have business related consultations for the services we provide to the client such as billing reminders, appointment reminders, and confirm client requests.
Potential Fees: We do not charge clients SMS charges. If client’s mobile carrier charges for SMS based on their plan, they client may be charged by their carrrier.
Opt-in: 1) Client will be able to opt-in for SMS on our Contact Us page on our website. 2) Client can email or call the office directly. 3) Client will receive an opt-in when they first text us.
Opt-out Methods: 1) Client can email or call the office directly. 2) Client can respond Stop to a text and they will be opted out of future messages.
Link to Privacy Policy: For information on the information we collect and how we use it, please refer to our privacy policy at https://jimkreisman.com/privacy-policy
Providing this information now will help avoid delays in the SMS approval process and ensure compliance with mobile carrier regulations.
Intellectual Property
The Service and its original content, features and functionality are and will remain the exclusive property of Jim Kreisman Insurance Agency, Inc. and its licensors.
Links To Other Web Sites
Our Service may contain links to third-party web sites or services that are not owned or controlled by Jim Kreisman Insurance Agency, Inc..
Jim Kreisman Insurance Agency, Inc. has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Jim Kreisman Insurance Agency, Inc. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.
Termination
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
Disclaimer
Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
Governing Law
These Terms shall be governed and construed in accordance with the laws of United States without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.
Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.
Contact Us
If you have any questions about these Terms, please contact us.