Terms of use.

Last updated: March 2026. By accessing or using the JB Financials website (“Site”), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

1. Description of Services

This website is operated by Justin Bautista, a licensed Life, Health, and Property & Casualty insurance agent doing business as JB Financials. The Site provides general information about insurance products and services. Nothing on this Site constitutes a contract, guarantee, binding quote, or offer of insurance coverage. All coverage is subject to carrier underwriting, approval, and the specific terms of each policy.

2. No Guarantee of Coverage or Pricing

Quotes, plan information, and consultation discussions are based on the information you provide and current carrier availability. Final coverage terms, pricing, eligibility, and availability are determined solely by the insurance carrier. Information provided through this Site or during consultations is for informational purposes only and does not guarantee the availability of any particular product, rate, or coverage amount.

3. Not Professional Advice

The information on this Site is not intended to be and should not be construed as tax, legal, investment, or financial planning advice. Insurance guidance provided through consultations is specific to insurance products only. For tax, legal, or comprehensive financial planning advice, consult a qualified professional in the relevant field.

4. Medicare and Government Programs Disclaimer

JB Financials is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, the Department of Health and Human Services, or any other federal or state government agency.

Medicare Supplement, Medicare Advantage, and Prescription Drug Plan information provided on this Site is for general educational purposes. Enrollment in Medicare products is subject to CMS regulations, carrier guidelines, and applicable enrollment periods. This website constitutes a solicitation for insurance.

5. User Obligations

By using this Site, you agree to:

Provide accurate and complete information when submitting forms
Not submit false, misleading, or fraudulent information
Use the Site for lawful purposes only
Not attempt to disrupt, damage, or gain unauthorized access to the Site or its infrastructure
Not reproduce, distribute, or create derivative works from the Site content without permission

6. Intellectual Property

All content on this Site, including text, graphics, logos, design, and layout, is the property of JB Financials or its licensors and is protected by applicable intellectual property laws. You may not copy, modify, distribute, transmit, display, or create derivative works from any Site content without prior written consent.

7. Disclaimer of Warranties

This Site and all content, information, and services provided through it are offered 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, non-infringement, or accuracy. I do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by applicable law, JB Financials and Justin Bautista shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use this Site, any information provided on the Site, or any insurance products purchased as a result of using this Site. This includes, without limitation, damages for loss of profits, data, goodwill, or other intangible losses, even if advised of the possibility of such damages.

9. Indemnification

You agree to indemnify, defend, and hold harmless JB Financials and Justin Bautista from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorney fees) arising out of or related to your use of the Site, violation of these Terms, or infringement of any third-party rights.

10. State-Specific Disclosures

Insurance products are not available in all states. Products, features, and availability may vary by state. Justin Bautista is licensed in the following states: AL, AR, FL, GA, IL, IN, KY, LA, MI, MS, MT, NC, NJ, NY, OH, OK, PA, SC, TN, TX, VA, WA, WV. If you reside in a state not listed, I may not be able to assist you with insurance products.

11. Third-Party Links

This Site may contain links to third-party websites or services. I have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. Visiting a third-party link is at your own risk.

12. Modifications

I reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Site following any modification constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the courts of the State of New Jersey.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact

If you have questions about these Terms, contact me at justin@jbfinancials.com or (609) 800-4481.