Disclosures & Legal Info

Last Updated: 04 Feb 2026

This Disclosures & Legal Info page provides important notices about licensing, compensation, communications, and the limitations of the information provided on this website. It is intended to be clear and easy to understand.

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

1. Professional License Disclosure

Insurance services (if offered) are provided by James Brown.

Licensing Notice: James Brown is licensed as an insurance producer in WA and other states where applicable. Licenses and product availability vary by state. Services and products may not be available in all jurisdictions, and we may not be able to transact business in every state.

Carrier Underwriting: Coverage is subject to carrier underwriting guidelines, eligibility, and availability. Only the issuing carrier can approve coverage, pricing, and policy issuance.

2. Compensation Disclosure (Transparency)

As an independent brokerage, we are typically compensated through commissions paid by insurance carriers for policies placed through our agency. In some consulting or advisory arrangements, a separate fee may be agreed upon in writing.

We aim to act in our clients’ best interests. If you would like additional detail regarding compensation or potential conflicts, please ask and we will provide relevant information applicable to your situation.

3. “Not an Offer” / No Binding Coverage Disclaimer

Submitting an assessment, requesting a strategy call, receiving a proposal, or viewing any information on this site:

• does not constitute an application for insurance,

• does not bind coverage, and

• does not create or modify any insurance policy.

Insurance can be bound only through a formal application process (as required), carrier underwriting approval, and written confirmation from the issuing carrier, subject to the final policy terms and conditions.

4. SMS Disclosure

By providing your phone number and opting in, you consent to receive SMS/MMS text messages from James Brown about your inquiry, assessment, scheduling, and service-related updates. Messages may be sent using automated technology.

Message frequency varies. Message and data rates may apply.

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

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

• Consent is not required as a condition of purchase.

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

5. No Professional Relationship Until Confirmed

Using this website, submitting forms, or participating in an assessment does not create a formal client relationship. A client relationship may be established only when we confirm engagement in writing (for example, via an engagement agreement or written confirmation of services).

6. Estimates, Illustrations, and No Guarantees

Any examples, illustrations, projected savings, or strategy concepts are for general informational purposes and may not reflect actual outcomes. Results vary based on eligibility, underwriting, plan design, claims experience, market conditions, carrier rules, and other factors.

7. Electronic Communications

By using this site and providing contact information, you agree that we may communicate with you electronically (including email and text messages where you have opted in). Electronic communications may be used to provide notices related to your inquiry or services.

8. Sensitive Information Notice

Please do not submit sensitive personal information (such as medical history, diagnosis details, or other health information) through open text fields unless we specifically request it through a secure method for a defined purpose.

9. Contact

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