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Terms of Use

Terms of Use

Last Updated: March 20, 2026

Acceptance of Terms

By accessing or using the website located at https://www.ajinsuranceservices.com (the “Site”), you agree to be bound by these Terms of Use (“Terms”). These Terms apply to all visitors, users, and others who access the Site. If you do not agree to these Terms, please do not use our Site.

We reserve the right to modify these Terms at any time. We will provide at least thirty (30) days’ notice of material changes by updating the “Last Updated” date above. Your continued use of the Site after any modifications constitutes your acceptance of the revised Terms.

Use of Website

This Site is provided for general informational purposes only. It is not intended to constitute insurance advice, a solicitation, or an offer to sell insurance coverage.

Important: Your use of this website is subject to and incorporates by reference our General Insurance Disclaimer, which is published at https://www.ajinsuranceservices.com/general-insurance-disclaimer. Key provisions of that Disclaimer include:

  • Coverage cannot be bound, altered, canceled, or modified through this website, email, contact forms, or voicemail.
  • All website content is for educational and informational purposes only.
  • Any quotes generated through this Site are preliminary estimates only and are not a binder or guarantee of coverage.
  • Your actual insurance coverage is governed solely by the terms of your issued policy contract.

You must speak directly with a licensed agent at A & J Insurance Services and receive written confirmation before any changes to your insurance coverage become effective.

Intellectual Property

All content on this Site—including text, graphics, logos, images, and software—is the property of A & J Insurance Services, Inc. and is protected by applicable United States copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written permission.

You are granted a limited, non-exclusive, non-transferable license to access and view the Site for personal, non-commercial informational purposes only.

User Conduct & Prohibited Uses

By using this Site, you agree that you will not:

  • Use the Site for any unlawful purpose or in violation of any applicable federal or Florida state law or regulation
  • Attempt to gain unauthorized access to any portion of our Site, server, or any system connected to our Site
  • Transmit any viruses, malware, or other harmful code through the Site
  • Use automated bots, scrapers, or data-mining tools to collect information from the Site
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity
  • Submit false, misleading, or fraudulent information through any quote request or contact form
  • Interfere with or disrupt the operation of the Site or the servers or networks connected to the Site

We reserve the right to terminate your access to the Site at any time, without notice, for any violation of these Terms.

Third-Party Links

Our Site may contain links to external websites operated by third parties, including insurance carriers, industry associations, and other resources. These links are provided for your convenience and informational purposes only. A & J Insurance Services does not endorse, control, or assume any responsibility for the content, privacy practices, or accuracy of any third-party website. We are not responsible for any loss or damage arising from your use of any linked third-party site. We reserve the right to add or remove links from our Site at any time and at our sole discretion. When you leave our Site, we encourage you to review the terms and privacy policy of any external website you visit.

Disclaimer of Warranties

THIS SITE AND ALL 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 IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

We make no representations or warranties regarding the accuracy, completeness, or timeliness of any information on the Site. Insurance markets, carrier guidelines, and Florida law change frequently. Always confirm current coverage details and rates with a licensed agent.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, A & J INSURANCE SERVICES, INC. AND ITS OWNERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES—INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS INTERRUPTION—ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THIS SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claims arising from your use of this Site shall not exceed one hundred dollars ($100.00).

This limitation of liability shall survive any termination of these Terms.

Indemnification

You agree to defend, indemnify, and hold harmless A & J Insurance Services, Inc. and its owners, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from: (a) your use of the Site; (b) your violation of these Terms; or (c) your violation of any third-party rights, including intellectual property or privacy rights.

Your indemnification obligations shall survive the termination of these Terms for a period of five (5) years.

Governing Law & Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Palm Beach County, Florida, and you hereby consent to the personal jurisdiction of such courts.

Contact Us

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

A & J Insurance Services, Inc.

  • Phone: (561) 586-4955
  • Email: aj@ajinsuranceservices.com
  • Office: 807 Lucerne Ave. East Unit, Lake Worth Beach, FL 33460
  • Website: https://www.ajinsuranceservices.com