LEGAL NOTICES

Last Updated: February 26, 2024

This johnseales.com site is owned and operated by “John Seales Insurance” (also referred to as "we", "us", this "website" or this "site"). This site and content provided herein are protected by law, including, but not limited to, United States copyright law and international treaties. The copyrights and other intellectual property rights embodied in this site and content are owned by us and/or third parties. 

We may modify these Legal Notices at any time without prior notice. Please check this page periodically for updates. 

Separate Agreements. You may acquire rights to use products, services, and/or content derived from this site; however, we reserve the right to require that you enter into and agree to separate agreements as a condition of your use and/or purchase of such products, services, and/or content. 

Warranty Disclaimers.

“SERVICE” MEANS THE PUBLIC AREAS OF THIS WEBSITE AND ALL PUBLIC AREAS ACCESSED BY MOBILE DEVICES AND APPLICATION PROGRAMMING INTERFACE (API), BUT EXCLUDES SERVICES THAT HAVE SEPARATE PRIVACY POLICIES WHICH DO NOT INCORPORATE OUR PRIVACY POLICY.

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY. WITHOUT LIMITING THE FOREGOING, WE, OUR/ITS SUBSIDIARIES, ITS AFFILIATES, AND ITS LICENSORS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE, OR CORRECT; THAT THE SERVICE WILL MEET YOUR REQUIREMENTS; THAT THE SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD OR YOUR USE OF THE SERVICE.

FEDERAL LAW, SOME STATES, AND OTHER JURISDICTIONS DO NOT ALLOW THE EXCLUSION AND LIMITATIONS OF CERTAIN IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THESE TERMS OF USE GIVE YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE. THE DISCLAIMERS AND EXCLUSIONS UNDER THIS AGREEMENT WILL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.

Limitation Of Liability 
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT, SHALL WE, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THIS SERVICE. UNDER NO CIRCUMSTANCES WILL WE BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR ACCOUNT OR THE INFORMATION CONTAINED THEREIN.

Additional Disclaimers:
INFORMATION PROVIDED ON THIS WEBSITE DOES NOT CONSTITUTE PROFESSIONAL ADVICE. IF YOU HAVE LEGAL, TAX, REGULATORY, COMPLIANCE, INSURANCE, MEDICAL, DIAGNOSIS, TREATMENT, FEDERAL, STATE, LOCAL OR FINANCIAL PLANNING QUESTIONS, YOU NEED TO CONTACT A QUALIFIED PROFESSIONAL. 

WE DO NOT INDEPENDENTLY VERIFY, NOR DO WE SEEK INDEPENDENT VERIFICATION OF COMMENTS AND STATEMENTS THAT MAY BE POSTED BY OTHERS IN BLOG OR SOCIAL MEDIA POSTS ON THIS SITE OR AFFILIATED SOCIAL MEDIA SITES REGARDING OUR WEBSITE, ITS PRODUCTS OR SERVICES. FOR THIS REASON, IF OTHERS POST "SUCCESS STORY" OR "BEST-CASE" SCENARIO TESTIMONIALS (AS DISTINGUISHED FROM SUBJECTIVE OPINIONS), YOU SHOULD ASSUME THAT THEIR RESULTS ARE NOT TYPICAL.

STATEMENTS MADE ON THIS WEBSITE HAVE NOT BEEN EVALUATED BY THE U.S. FOOD AND DRUG ADMINISTRATION OR ANY OTHER GOVERNMENT REGULATORY BODY.

NO CLAIMS, REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESSED OR IMPLIED, IS MADE BY OUR COMPANY AS TO THE WARRANTY, DURABILITY, RELIABILITY, SANITARINESS, SAFETY,  AND PERFORMANCE OF ANY OF OUR COMPANIES' PRODUCTS. FURTHERMORE, OUR COMPANY ACCEPTS NO LIABILITY WHATSOEVER FOR THE SAFETY, RELIABILITY, DURABILITY AND PERFORMANCE OF ANY OF OUR COMPANIES' PRODUCTS OR SERVICES.

THIS SITE IS NOT INTENDED TO CREATE AN ATTORNEY-CLIENT RELATIONSHIP, AND NO ATTORNEY-CLIENT RELATIONSHIP WILL BE CREATED OR LEGAL ADVICE GIVEN THROUGH YOUR USE OF THIS SITE, ITS SERVICES AND CONTENT.  NO SPECIAL RELATIONSHIP OR PRIVILEGE EXISTS BETWEEN YOU AND THIS SITE.  YOU WILL BE REPRESENTING YOURSELF IN ANY LEGAL MATTER YOU UNDERTAKE AS A RESULT OF YOUR USE OF THIS SITE, ITS SERVICES AND CONTENT. THIS SITE PROVIDES (I) ARTICLES, NEWSLETTERS, AND CONTENT FOR INFORMATIONAL PURPOSES ONLY. IN THE PROCESS OF PROVIDING THIS INFORMATION, THIS SITE IS ENGAGED IN THE PUBLICATION OF INFORMATION REGARDING LEGAL ISSUES COMMONLY ENCOUNTERED.  THIS SITE IS NOT A SUBSTITUTE FOR THE ADVICE OF AN ATTORNEY.

WE PROVIDE LINKS TO OTHER SITES FROM THIS WEBSITE FOR YOUR CONVENIENCE. WE DO NOT ENDORSE THESE SITES AND THEY ARE NOT UNDER OUR AUTHORITY. WE ARE NOT RESPONSIBLE FOR THE INFORMATION THESE LINKED SITES PROVIDE OR FOR THE USE YOU MAKE OF THEM. 

ALL TRADEMARKS, SERVICE MARKS, TRADE NAMES, TRADE DRESS, PRODUCT NAMES AND LOGOS APPEARING ON THE SITE ARE THE PROPERTY OF THEIR RESPECTIVE OWNERS. ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED.

ACCURACY OF INFORMATION - WE MAKE EVERY EFFORT TO ENSURE THAT THE INFORMATION AND ITEMS LISTED ON OUR WEBSITE ARE UP TO DATE AND CORRECT.  HOWEVER, THE ACCURACY OF THE INFORMATION IS NOT GUARANTEED, AND IS SUBJECT TO CHANGE WITHOUT NOTICE.  UPDATED INFORMATION MAY NOT BE IMMEDIATELY REFLECTED ON THIS WEBSITE.  FOR A NUMBER OF REASONS, DELAYS MAY OCCUR WHEN POSTING TO THE WEBSITE.  

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.

INSURANCE PRODUCTS ARE SUBJECT TO TERMS, CONDITIONS, AND EXCLUSIONS NOT DESCRIBED ON THIS WEBSITE.

THE INSURANCE AND ANNUITY PRODUCTS AND SERVICES DESCRIBED ON THIS WEBSITE ARE NOT OFFERED IN ALL STATES. COVERAGES, EXCLUSIONS, LIMITATIONS, POLICY TERMS AND CONDITIONS, AND ELIGIBILITY FOR INSURANCE OR DISCOUNTS, MAY VARY FROM STATE TO STATE AND EACH IS SUBJECT TO THE UNDERWRITING GUIDELINES AND RULES IN EFFECT FOR THE RELEVANT STATE AT THE TIME OF PURCHASE.

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 SITUATIONS. 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
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Additional Policies. Links to additional notices and policies are provided on the bottom of the website pages.