Terms of Use

The material provided on this website, including the information and any images incorporated in the site, is for your personal private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from www.jcmtaxandmore.com We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

Due to possible linguistic differences, advertising statements in Spanish may not necessarily reflect the content of the policy written in English. In the event of a dispute concerning policy terms, the policy written in English will apply.

It is very important that you read the next two sections carefully.

LIMITATION OF LIABILITY

JCMTAXANDMORE LLC WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE SITES; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS WEBSITES; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES—OR BOTH.

HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.

DISCLAIMERTHE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT DTODOS INSURANCES AND TAXES DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT IT IS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR SITES, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) THAT INFORMATION CONTAINED IN THE SITES IS ACCURATE AS OF ANY PARTICULAR DATE.

We sometimes provide access to other World Wide Websites from our sites or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the JCMTAXANDMORE LLC site or have moved elsewhere.

By providing material on our website JCMTAXANDMORE LLC does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. DTODOS INSURANCES AND TAXES is entitled to terminate all or part of any of its Websites at any time, without notice to you.

When you select a password and sign-up in order to access JCMTAXANDMORE LLC online policyholder services, you agree to the following conditions:

- JCMTAXANDMORE LLC is authorized to act on instructions received under your password without any requirement to question those instructions;

- JCMTAXANDMORE LLC is not liable for any unauthorized access to your personal information that is not directly due to the negligence of JCMTAXANDMORE LLC .

- Your password contains sensitive information and you will keep it confidential and secret;You will notify JCMTAXANDMORE LLC immediately if you believe anyone else has learned your password or if you believe an unauthorized access to JCMTAXANDMORE LLC or your personal information has occurred or may occur;

- JCMTAXANDMORE LLC may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

- Violating the Terms and Conditions of Website Use may lead to a revocation of JCMTAXANDMORE LLC website access privileges.

Digital Assistant

JCMTAXANDMORE LLC Digital Assistant is intended for informational purposes only. Any information provided is not intended as insurance advice and should not be interpreted as such. Any insurance decision, including coverage amounts, limits, and deductibles, is solely and ultimately the responsibility of the insured, and JCMTAXANDMORE LLC is not liable for any information that is inaccurate, missing, or misinterpreted. The material contained within the Digital Assistant is subject to change at any time, and JCMTAXANDMORE LLC makes no guarantee about the quality or accuracy of said content.

PRIVACY

All information collected from users of our sites is subject to our Privacy Policy, which is incorporated by reference into this agreement. For more information, see our Privacy Policy - www.jcmtaxandmore.com/privacy

JURISDICTION

Unless otherwise specified, the materials in our site are presented to provide information about the Government Employees Insurance Companies and their affiliates, (collectively "JCMTAXANDMORE LLC"), our insurance products and the insurance business. JCMTAXANDMORE LLC operates and controls its sites from the Company’s headquarters in Hialeah Gardens, Florida, in the United States of America, and Florida law shall govern and control any action concerning the JCMTAXANDMORE LLC sites. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.

By using the www.jcmtaxandmore.com website, you agree to these Terms and Conditions of Website Use.

MISCELLANEOUS

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Florida, without giving effect to Florida conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

JCMTAXANDMORE LLC may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.

In the rate quote application, photos are of models; testimonials are from actual JCMTAXANDMORE LLC policy holders.

SMS/Text Messaging Terms and Conditions

JCMTAXANDMORE LLC may offer customers the ability to receive communications via SMS/text message. By providing your mobile number and opting in, you agree to the following SMS/Text Messaging Terms.

Description of SMS Use Cases

If you consent to receive SMS messages from us, such messages may include, but are not limited to:

*Insurance quote updates

*Policy and account notifications

*Appointment reminders

*Claim-related communications

*Customer service responses

*Promotional or marketing messages (only if separately authorized)

Message frequency may vary depending on your interaction with our services.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying “STOP” to any text message you receive from us.
After opting out, you will no longer receive SMS communications unless you re-enroll.

For additional assistance, you may reply “HELP”.

Customer Support Contact

If you have questions regarding our SMS program, you may contact us directly at:

JCMTAXANDMORE LLC
2300 W 84th St Suite 106
Hialeah Gardens, Florida 33016
Phone: 305-614-2694 (toll free)

Message and Data Rates Disclosure

Message and data rates may apply depending on your wireless carrier and mobile service plan. JCMTAXANDMORE LLC is not responsible for any charges incurred by your mobile provider as a result of receiving SMS messages.

Carrier Liability Disclaimer

Wireless carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission from your mobile service provider and network availability.

Age Restriction (18+)

You must be at least 18 years of age to participate in our SMS/text messaging program. By opting in, you represent that you are 18 years or older and authorized to use the mobile number provided.

Privacy Policy Reference

All information collected through our SMS program is subject to our Privacy Policy. For more information, please review:

www.jcmtaxandmore.com/privacy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.