Terms and Conditions
📝 Terms and Conditions
Effective Date: July 2, 2025
Welcome to www.JuliannaNewman.com (the “Website”), operated by Julianna Newman (“we,” “our,” or “us”). By accessing or using this Website, you agree to be bound by the following Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, please do not use the Website.
1. Use of the Website
1.1 You must be at least 18 years old or the legal age of majority in your jurisdiction to use this Website.
1.2 By using this Website, you represent that any information you submit is accurate and that you are legally permitted to use this Website in your jurisdiction.
1.3 The Website provides educational content, contact options, and tools for requesting life insurance quotes. Submission of information does not guarantee coverage, approval, or offer of insurance.
2. Life Insurance Disclaimer
2.1 Any life insurance quotes or tools provided on this Website are for informational purposes only and do not constitute a binding offer or contract.
2.2 Quotes are subject to change based on underwriting criteria from third-party licensed insurance providers. Julianna Newman may be a licensed insurance agent in the State of Florida, but all coverage decisions are subject to the terms and policies of the issuing carriers.
2.3 By submitting your information, you agree to be contacted by a licensed agent and/or third-party carrier partners.
3. No Financial or Legal Advice
This Website does not provide legal, tax, or financial planning advice. You are encouraged to consult with a qualified professional before making insurance or financial decisions.
4. Intellectual Property
All content on this Website—including but not limited to text, graphics, videos, images, branding, and layout—is the exclusive property of Julianna Newman and is protected under U.S. and international copyright laws.
You may not reproduce, modify, or distribute any part of the Website without express written permission.
5. Limitation of Liability
We are not liable for any loss or damage resulting from:
- Use of or reliance on any quote or content
- Inability to access the Website
- Errors or omissions on the Website
- Interactions with third-party providers or insurance carriers
All services are provided “as is” and without warranties of any kind.
6. Third-Party Links
This Website may contain links to third-party sites or tools. We do not control and are not responsible for their content, terms, or practices. Use these links at your own discretion.
7. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action shall be brought in a state or federal court located in Florida.
8. Modifications to Terms
We reserve the right to update or change these Terms at any time. The updated version will be posted with a revised “Effective Date.” Continued use of the Website after changes constitutes your acceptance.
9. Contact Us
For any questions regarding these Terms, please contact:
📧 Email: info@juliannanewman.com
🌐 Website: www.JuliannaNewman.com
