Terms of Service

Last Updated: 04 Feb 2026

Please read these Terms of Service (“Terms”) carefully before using this website and related services (collectively, the “Service”) operated by James Brown (“Business,” “we,” “us,” “our”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

This website may be built and hosted using the Trusted Agent Engine platform (“Platform”). The Platform provides technical tools (for example: website hosting, forms, scheduling, communications, analytics integrations, and payment workflows). Your relationship for purposes of these Terms is with the Business, and the Business is responsible for its content, offers, and communications.

James Brown is a licensed insurance producer: WA License #1040586 | NPN 19363173

1. Scope of Service

The Business may provide insurance brokerage, benefits consulting, and strategic advisory services (the “Services”). Any assessments, calculators, questionnaires (including any “3-Minute Assessment”), and website content are provided for informational and preliminary purposes only and are not a binding offer of coverage, a guarantee of results, or a final actuarial analysis.

Nothing on this site creates an insurer–insured relationship. Coverage, pricing, eligibility, and availability are determined by the applicable underwriting carrier and the final policy documents.

2. Eligibility and User Representations

By using the Service, you represent that:

• You are at least 18 years old (or the age of majority in your jurisdiction).

• If you are using the Service on behalf of a business, you have authority to act for that business.

• Information you submit is accurate to the best of your knowledge and you will not submit misleading or unlawful content.

• You will use the Service only for lawful purposes and in compliance with these Terms.

3. No Carrier Status; No Guarantee of Coverage

The Business is a licensed agency/brokerage (where applicable) and is not an insurance carrier. The Business does not underwrite insurance coverage. All insurance products are subject to the terms, conditions, exclusions, and approval processes of the issuing carrier(s). Nothing in the Service guarantees that coverage will be offered, issued, renewed, or priced at any particular level.

4. Appointments, Estimates, and Disclosures

If you request a strategy call, consultation, proposal, or quote:

• Any estimates are non-binding and may change based on underwriting, eligibility, documentation, and carrier requirements.

• You are responsible for reviewing final documents and disclosures and asking questions before purchasing, enrolling, or making decisions.

5. No Payment Processing

This site does not process payments or collect payment information. Any insurance coverage or services discussed are subject to carrier underwriting, approval, and formal application outside of this website.

6. Acceptable Use

You agree not to:

• Use the Service for unlawful, misleading, or abusive purposes.

• Attempt to gain unauthorized access to systems, data, or accounts.

• Interfere with the Service’s operation (including via scraping, automated attacks, or introducing malware).

• Submit content that infringes intellectual property or violates privacy rights.

• Misrepresent your identity, affiliations, or authorization to act on behalf of another person or business.

We may suspend or restrict access to the Service to protect users, the Business, or the Platform.

7. Communications, Email, and SMS

A. Consent to communications

By providing your contact information, you authorize us to contact you about your inquiry, scheduling, service updates, and related communications. If you opt in to receive text messages, you consent to receive SMS/MMS messages from James Brown at the number you provide. Messages may be sent using automated technology.

B. Message types

Messages may include:

• Appointment confirmations and reminders

• Responses to your inquiry or assessment

• Service updates, account/transaction notices, and support communications

• Operational notices related to your interaction with the Business

If marketing messages are offered, they will be sent only where you have provided the appropriate consent.

C. Disclosures

• Message frequency varies.

• Message and data rates may apply.

• Consent is not required as a condition of purchase.

D. Opt-out and help

• Opt out: Reply STOP at any time to unsubscribe.

• Help: Reply HELP for assistance or contact us at [email protected] or 509-424-5020.

You agree that after opting out, you may receive one final message confirming your opt-out.

E. Your responsibilities

You agree to provide a valid mobile number and keep it updated. If you change numbers, you should opt out from the old number and opt in again with the new number. You are responsible for ensuring you have permission to use the number you provide.

F. Carrier notes

Wireless carriers are not liable for delayed or undelivered messages. Not all devices or carriers may support all message types.

8. Privacy

Our Privacy Policy explains how we collect and use information, including cookie-based tools and communications. Your use of the Service is also subject to our Privacy Policy, which should be linked on this website as “Privacy Policy.”

9. Intellectual Property

All content, trademarks, service marks, designs, text, graphics, logos, and original materials on the Service are owned by the Business or its licensors and protected by applicable laws.

You may not copy, modify, distribute, sell, or create derivative works from the Service content except as expressly permitted in writing by the Business.

10. Third-Party Services and Links

The Service may rely on or link to third-party tools and services (for example: analytics tools, scheduling, payment processing, and advertising platforms). We are not responsible for third-party content, policies, or practices. Your use of those services may be governed by their own terms.

11. Disclaimers

THE SERVICE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We cannot and do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

12. Professional Advice Disclaimer

Information on this website is not legal, tax, or accounting advice. You should consult qualified professionals regarding your specific situation, including compliance obligations under ERISA, the ACA, and any state-specific employment or benefits laws.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE BUSINESS OR ITS OWNERS, EMPLOYEES, CONTRACTORS, OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO THE BUSINESS IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR $100 IF YOU PAID NOTHING.

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

14. Indemnification

You agree to indemnify and hold harmless the Business from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service, (b) your violation of these Terms, or (c) your violation of any law or third-party rights.

15. Suspension and Termination

We may suspend or terminate your access to the Service at any time if we reasonably believe you have violated these Terms or used the Service in a way that creates risk for the Business or others.

Sections that by their nature should survive termination (including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Dispute Resolution) will survive.

16. Dispute Resolution; Governing Law; Venue

A. Informal resolution first

Before filing a claim, you agree to contact us to try to resolve the dispute informally by emailing [email protected] with the subject “Dispute Notice.”

B. Governing law

These Terms are governed by the laws of the state where the Business is located (as reflected by the address in Section 17), without regard to conflict-of-law rules.

C. Venue

If a dispute is not resolved informally and must be filed in court, you agree to file it in the state or federal courts located in the state where the Business is located, and you consent to personal jurisdiction there - unless applicable law requires otherwise.

17. Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date above reflects the most recent revision. Your continued use of the Service after updates means you accept the updated Terms.

18. Contact Us

James Brown
Address: 9016 E Indiana Ave STE C, Spokane Valley Washington 99212-2464
Phone: 509-424-5020
Email: [email protected]