By using or visiting this site, you expressly agree to be bound by our Terms of use:
Terms of use/Privacy Policy/ Disclaimer

John Francis, LLC, John Francis Insurance Agency, John Francis Agency, is a licensed insurance agency.  John Francis, LLC & its divisions or subsidiaries does not offer tax, legal or investment advice.

Logo's, and all designs and related materials, on this site are trademarks and/or registered trademarks of John Francis, LLC. and may  not be reproduced in whole or part unless authorized in writing by an authorized representative of John Francis, LLC.

The Information on this site is provided for informational purposes only. No part of the Site constitutes, or should be construed to constitute, an offer or solicitation to buy or sell any products or services. Nothing contained herein & on this website constitutes tax, legal, insurance or investment advice. Neither the information, nor any opinion, contained herein & on this website constitutes a solicitation or offer by John Francis, LLC. or its affiliates or divisions to buy or sell any insurance policy, securities or other financial or insurance instruments.

Neither John Francis, LLC, and its divisions nor any of its respective representatives or advisers has made or makes any representation or warranty, expressed or implied, as to the accuracy of any representations or any liability resulting from the use of content or any errors or omission therein.

The information contained herein is directed solely to those individuals who reside in jurisdictions in which John Francis, LLC is licensed in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client residence.        

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 Privacy Policy. This privacy policy (Privacy Policy) covers John Francis, LLC ,Inc treatment of personal or personally identifiable information (Personal Information) that may be collected when User is on the Site and when User John Francis, LLC services. This Privacy Policy does not apply to the practices of companies or individuals that John Francis, LLC services does not own or exercise supervisory control over, or to third party advertisers on the Site. John Francis, LLC will not sell or rent User's Personal Information to any individual, business or government entity unless requested by User or if John Francis, LLC is required to respond to court orders, subpoenas or other legal process. John Francis, LLC reserves the right to amend this policy at any time. JFLLC will contact registered Users by email or shall post a notice of changes in its Site, when and if the terms of this policy are amended.

Nothing on this Web site shall be considered a solicitation to buy or an offer to sell insurance to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the insurance laws of such jurisdiction. In addition, this Web site provides only a simplified description of insurance coverages and is not a statement of contract. Coverage may not apply in all states (see Agency License Information). For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.

Neither John Francis, LLC nor any of its respective representatives or advisors has made or makes any representation or warranty, expressed or implied, as to the accuracy of any representations or any liability resulting from the use of content or any errors or omission therein. Only a qualified attorney may prepare any document needed to implement any strategy explained in these materials, and the agent/broker or advisor is not in the business or practicing law, legally representing clients, or drafting legal documents.

Valid in those states where John Francis, LLCis licensed.
The Information on this site is provided for informational purposes only. No part of the Site constitutes, or should be construed to constitute, an offer or solicitation to buy or sell any products or services.

John Francis, LLC licensed lines of business:

-Personal and Commercial
-Property -Casualty -Life -Health -Disability- Annuities
Coverage may not apply in all states (see Agency License Information).

 Disclaimers
 Please review carefully!

“This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Please contact our office to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax.

Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.”

“Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.”

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Agreed that where "“This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. " is referred to shall constitute and include all divisions .
General. The following are the rules or "Terms" that govern use of the John Francis, LLC web site(Site). By using or visiting the Site, you expressly agree to be bound by these Terms and to follow these Terms and all applicable laws and regulations governing the Site. John Francis, LLC reserves the right to change these Terms at any time, effective immediately upon posting on the Site. If you violate these Terms of we may terminate your use of the Site, bar you from future use of the Site, , and/or take appropriate legal action against you.

Permitted Use. You agree that you are only authorized to visit, view and to retain a copy of pages of this Site for your own personal use, and that you shall not duplicate, download, publish, modify or otherwise distribute the material on this Site for any purpose other than to review event and promotional information, for personal use, or to purchase merchandise for your personal use, unless otherwise specifically authorized by John Francis, LLC ,Inc to do so. The content on this Site is the property of John Francis, LLC and/or its suppliers and is protected by U.S. and international copyright laws.

Links

 The Site may automatically produce search results that reference or link to third party sites throughout the World Wide Web. John Francis, LLC ,Inc has no control over these sites or the content within them. John Francis, LLC ,Inc cannot guarantee, represent or warrant that the content contained in the sites is accurate, legal and/or inoffensive. John Francis, LLC  does not endorse the content of any third party site, nor do we warrant that they will not contain viruses or otherwise impact your computer. By using the Site to search for or link to another site, you agree and understand that you may not make any claim against John Francis, LLC for any damages or losses, whatsoever, resulting from your use of the Site to obtain search results or to link to another site. If you have a problem with a link from the Site, please notify us  and we will investigate your claim and take any actions we deem appropriate in our sole discretion.

Prohibited Content. The following is a partial list of the kind of Content that is illegal or prohibited on the Site. It includes Content that:

Is patently offensive to the online community, such as Content that promotes racism, bigotry, hatred or physical harm of any kind against any group or individual;
Could be harmful to minors;
Harasses or advocates harassment of another person;
Involves the transmission of "junk mail", "chain letters", or unsolicited mass mailing or "spamming";
Promotes information that you know is false, misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous;
Promotes an illegal or unauthorized copy of another person's copyrighted work, such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files;
Contains restricted or password only access pages, or hidden pages or images (those not linked to or from another accessible page);
Displays pornographic or sexually explicit material of any kind;
Provides material that exploits people under the age of 18 in a sexual or violent manner, or solicits personal information from anyone under 18;
Provides instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses;
Solicits passwords or personal identifying information for commercial or unlawful purposes from other users; and
Engages in commercial activities and/or sales without our prior written consent such as contests, sweepstakes, barter, advertising, and pyramid schemes.
Violation of the Terms. You understand and agree that in the sole discretion of John Francis, LLC , and without prior notice, John Francis, LLC may terminate your access to the Site,or exercise any other remedy available and remove any unauthorized User Content, if John Francis, LLC believes that the User Content you provided has violated or is inconsistent with these Terms of Use violated the rights of John Francis, LLC , another User or the law. You agree that monetary damages may not provide a sufficient remedy to for violations of these terms and conditions and you consent to injunctive or other equitable relief for such violations. John Francis, LLC may release user information about you if required by law or subpoena, or if the information is necessary or appropriate to release to address an unlawful or harmful activity. John Francis, LLC is not required to provide any refund to you if you are terminated as a User because you have violated these Terms of Use.

Copyright Policy. 

We will terminate the privileges of any user who uses this Site to unlawfully transmit copyrighted material without a license express consent, valid defense or fair use exemption to do so. In particular, users who submit Content to this Site, whether articles, images, stories, software or other copyrightable material must ensure that the Content they upload does not infringe the copyrights or other rights of third parties (such as privacy or publicity rights). After proper notification by the copyright holder or it agent to us, and confirmation through court order or admission by the user that they have used this Site as an instrument of unlawful infringement, we will terminate the infringing users' rights to use and/or access to this Site. We may, also in our sole discretion, decide to terminate a user's rights to use or access to the Site prior to that time if we believe that the alleged infringement has occurred.

Disclaimers. 

John Francis, LLC does not promise that the Site will be error-free, uninterrupted, nor that it will provide specific results from use of the Site or any Content, search or link on it. The Site and its Content are delivered on an "as-is" and "as-available" basis. John Francis, LLC cannot ensure that files you download from the Site will be free of viruses or contamination or destructive features. John Francis, LLC disclaims all warranties, express or implied, including also any implied warranties of merchantability and fitness for a particular purpose.John Francis, LLC will not be liable for any damages of any kind arising from the use of this Site, including without limitation, direct, indirect, incidental, punitive and consequential damages.

John Francis, LLC  makes no guarantee of any specific result from use of this Site or use of the John Francis, LLC service.

John Francis, LLC   disclaims any and all liability for the acts, omissions and conduct of any third party users, John Francis, LLC users, advertisers and/or sponsors on the Site, in connection with the John Francis, LLC service or otherwise related to your use of the Site and/or the John Francis, LLC service. John Francis, LLC is not responsible for the products, services, actions or failure to act of any venue,  promoter or other third party in connection with or referenced on the Site. John Francis, LLC ,Inc may investigate the claim and take appropriate action, in its sole discretion.

Limitation on Liability. Except in jurisdictions where such provisions are restricted, in no event will John Francis, LLC be liable to you for any indirect, consequential, exemplary, incidental, special or punitive damages, including lost profits, even if John Francis, LLC has been advised of the possibility of such damages.

Disputes. If there is any dispute about or involving the Site, by using the Site, you agree that the dispute will be governed by the laws of the State of New Jersey without regard to its conflict of law provisions. You agree to personal jurisdiction by venue in the state and federal courts of the State of New Jersey.

Indemnity. You agree to indemnify and hold John Francis, LLC, its divisions , its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Site, including also your use of the Site to provide a link to another site or to upload content or other information to the Site.

USE OF THIS SITE SIGNIFIES YOUR AGREEMENT TO THE TERMS OF USE (Permitted Use) AND PRIVACY POLICY